# BILL Spend & Expense (Formerly Divvy) vs SAP Ariba Comparison
---
## AI Generated Summary
- **G2 reviewers report** that BILL Spend & Expense (Formerly Divvy) excels in user-friendliness, making it easy for users to navigate and manage their expenses. Many users appreciate the ability to upload receipts and categorize expenses at the moment of purchase, which streamlines the expense reporting process significantly.
- **Users say** that SAP Ariba shines in its ability to integrate procurement and supplier management into one platform. Reviewers highlight how this integration improves efficiency and visibility, making collaboration between buyers and suppliers much simpler.
- **According to verified reviews** , BILL Spend & Expense (Formerly Divvy) has a notably quick and straightforward setup process. Users have expressed satisfaction with how easy it is to synchronize the software with QuickBooks, which enhances their monthly financial processes.
- **Reviewers mention** that SAP Ariba provides a robust supplier network that standardizes procurement workflows. This feature is particularly appreciated by users who value the efficiency it brings to sourcing and purchasing, as well as the visibility it offers into pricing and compliance.
- **G2 reviewers highlight** that while SAP Ariba has a solid reputation for tracking invoicing, some users find it less intuitive compared to BILL Spend & Expense (Formerly Divvy). Users of SAP Ariba appreciate having all invoices in one place, but they note that the user experience could be improved for better ease of use.
- **Users report** that BILL Spend & Expense (Formerly Divvy) provides excellent support for training spenders on submitting receipts, which is a significant advantage for small businesses looking to streamline their expense management. This ease of training contrasts with some of the challenges users face with SAP Ariba's more complex features.



| | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.1 out of 5 | 
| **Total Reviews** | 2,233 | 792 | 
| **Largest Market Segment** | Small-Business (65.3% of reviews) | Enterprise (57.0% of reviews) | 
| **Entry Level Price** | $0.00 1 user Per Month | No pricing available | 

---
## Top Pros & Cons

### BILL Spend & Expense (Formerly Divvy)

Pros:
- Ease of Use (435 reviews)
- Expense Management (224 reviews)

Cons:
- Integration Issues (89 reviews)
- Approval Issues (87 reviews)

### SAP Ariba

Pros:
- Ease of Use (110 reviews)
- Efficiency (76 reviews)

Cons:
- Complexity (55 reviews)
- Learning Curve (52 reviews)

---
## Ratings Comparison
| Rating | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
  | **Meets Requirements** | 9.0 (1850 reviews) | 8.3 (543 reviews) | 
  | **Ease of Use** | 9.0 (1898 reviews) | 7.9 (578 reviews) | 
  | **Ease of Setup** | 8.8 (1616 reviews) | 7.7 (311 reviews) | 
  | **Ease of Admin** | 9.0 (1556 reviews) | 7.9 (172 reviews) | 
  | **Quality of Support** | 8.5 (1728 reviews) | 7.8 (516 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.1 (1538 reviews) | 8.1 (176 reviews) | 
  | **Product Direction (% positive)** | 9.0 (1844 reviews) | 8.2 (511 reviews) | 

---
## Pricing

### BILL Spend & Expense (Formerly Divvy)

#### Entry-Level Pricing

Plan: Spend & Expense

Price: $0.00 1 user Per Month

Description: Access credit lines from $1,000-$5M. Easily request funds, set budgets, and track spend using free software combined with corporate cards.

Key Features:
- Get as many physical and virtual cards as you need
- Access budgets with proactive spend controls
- Set up automated expense mangement

[Learn more about BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews)

#### Free Trial

Yes

### SAP Ariba

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.0/10 | 1456 |
| **SAP Ariba** | N/A | N/A |

#### Expense Reports

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Ease of Creating Expense Reports** | 8.5 (1062 reviews) ✓ Verified | Not enough data | 
| **Bank / Credit Card Integration** | 8.8 (1099 reviews) ✓ Verified | Not enough data | 
| **Smart Categorization** | 8.3 (1087 reviews) ✓ Verified | Not enough data | 
| **Digital Receipt Management** | 9.1 (1233 reviews) ✓ Verified | Not enough data | 
| **Employee Reimbursement** | 7.8 (932 reviews) ✓ Verified | Not enough data | 
| **Currency Conversions** | 7.8 (719 reviews) ✓ Verified | Not enough data | 
| **Credit Card Integration** | 8.5 (976 reviews) ✓ Verified | Not enough data | 

#### Agentic AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Autonomous Task Execution** | 6.5 (119 reviews) | Not enough data | 
| **Cross-system Integration** | 7.2 (124 reviews) | Not enough data | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Ease of Booking** | 7.5 (778 reviews) | Not enough data | 
| **Itinerary Management** | 6.7 (634 reviews) | Not enough data | 
| **Trip Notifications** | 6.5 (616 reviews) | Not enough data | 
| **Advanced Integrations** | 6.9 (691 reviews) | Not enough data | 

#### Client Invoicing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Invoice Creation and Delivery** | Feature Not Available | Not enough data | 
| **Electronic Payments** | 7.9 (890 reviews) ✓ Verified | Not enough data | 
| **Project Accounting / Revenue Recognition** | 7.8 (795 reviews) ✓ Verified | Not enough data | 

#### Generative AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | 
| **Text Generation** | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | 

#### Mobile

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Receipt Capture** | 9.2 (1143 reviews) ✓ Verified | Not enough data | 
| **Mileage Tracking** | 7.4 (692 reviews) ✓ Verified | Not enough data | 
| **Travel Itinerary and Flight Status Updates** | Feature Not Available | Not enough data | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Embedded AI / Machine Learning** | 7.1 (611 reviews) | Not enough data | 
| **Complex Approval Workflow** | 7.7 (757 reviews) ✓ Verified | Not enough data | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **PCI Regulation Compliant** | 8.2 (689 reviews) ✓ Verified | Not enough data | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Business Tool Integration** | 8.3 (1022 reviews) ✓ Verified | Not enough data | 
| **Workflow** | 8.3 (1012 reviews) ✓ Verified | Not enough data | 
| **Automated Reminders** | 8.3 (1040 reviews) ✓ Verified | Not enough data | 
| **Policy Compliance Management** | 8.4 (950 reviews) ✓ Verified | Not enough data | 
| **User, Role, and Access Management** | 8.9 (1156 reviews) ✓ Verified | Not enough data | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Reporting** | 8.4 (1017 reviews) ✓ Verified | Not enough data | 
| **APIs / Integration** | 7.9 (769 reviews) ✓ Verified | Not enough data | 
| **Internationalization** | 7.6 (640 reviews) | Not enough data | 
| **Performance and Reliability** | 8.9 (1084 reviews) ✓ Verified | Not enough data | 
| **Mobile User Support** | 8.9 (1025 reviews) ✓ Verified | Not enough data | 
| **Offline** | Feature Not Available | Not enough data | 

### Contract Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 7.9/10 | 165 |

#### Contract Management Platform Features

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Contract Creation** | Not enough data | 8.2 (132 reviews) ✓ Verified | 
| **Contract Templates** | Not enough data | 8.2 (125 reviews) ✓ Verified | 
| **Contract Editing** | Not enough data | Feature Not Available | 
| **Contract Attachments** | Not enough data | 8.4 (131 reviews) ✓ Verified | 
| **Contract Collaboration** | Not enough data | 8.2 (121 reviews) ✓ Verified | 
| **Approval Process** | Not enough data | 8.5 (130 reviews) ✓ Verified | 
| **Notifications & Reminders** | Not enough data | 8.1 (134 reviews) ✓ Verified | 
| **Contract Database** | Not enough data | 8.5 (131 reviews) ✓ Verified | 
| **Integrations / APIs** | Not enough data | 7.9 (121 reviews) ✓ Verified | 
| **Reporting & Dashboards** | Not enough data | 8.2 (134 reviews) ✓ Verified | 

#### Generative AI

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **AI Text Generation** | Not enough data | 7.1 (26 reviews) | 
| **AI Text Summarization** | Not enough data | 7.1 (26 reviews) | 

#### Agentic AI - Contract Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 6.3 (9 reviews) | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.3/10 | 932 |
| **SAP Ariba** | 8.1/10 | 110 |

#### Setup

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Data** | 8.1 (703 reviews) | 8.5 (82 reviews) | 
| **Approvals** | 8.6 (766 reviews) | 8.5 (83 reviews) | 
| **Alignment** | 8.5 (625 reviews) | 8.3 (80 reviews) | 

#### Performance

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **KPIs** | 7.6 (548 reviews) | 8.3 (78 reviews) | 
| **Benchmarks** | 7.6 (553 reviews) | 8.3 (77 reviews) | 
| **Forecasting** | 7.4 (556 reviews) | 8.3 (75 reviews) | 
| **Savings** | 7.6 (585 reviews) | 8.3 (84 reviews) | 

#### Payment Cards

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **One-time Virtual** | 8.8 (653 reviews) | 8.4 (50 reviews) | 
| **Recurring Virtual** | 8.8 (673 reviews) | 8.1 (50 reviews) | 
| **Physical** | 9.0 (760 reviews) | 8.1 (49 reviews) | 

#### Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Real time** | 9.0 (747 reviews) | 8.0 (54 reviews) | 
| **Multiple Views** | 8.7 (651 reviews) | 7.9 (55 reviews) | 
| **Export** | 8.7 (699 reviews) | 8.2 (55 reviews) | 
| **Budgets** | 8.6 (786 reviews) | 8.0 (54 reviews) | 

#### Payments

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Vendor** | 8.4 (667 reviews) | 8.4 (55 reviews) | 
| **Recurring** | 8.6 (666 reviews) | 8.3 (55 reviews) | 
| **Employee Reimbursements** | 7.6 (608 reviews) | 7.8 (52 reviews) | 
| **ACH** | 7.9 (622 reviews) | 7.6 (51 reviews) | 

#### Fraud & Risk Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Notifications** | 8.4 (740 reviews) | 8.2 (54 reviews) | 
| **Unique Cards** | 8.8 (721 reviews) | 7.8 (48 reviews) | 
| **Controls** | 9.0 (740 reviews) | 8.2 (51 reviews) | 

#### Agentic AI - Spend Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Proactive Assistance** | 5.8 (59 reviews) | 6.7 (7 reviews) | 

### Supplier Relationship Management (SRM)

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 8.4/10 | 147 |

#### Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Approval** | Not enough data | 8.5 (122 reviews) | 
| **Communication** | Not enough data | 8.3 (124 reviews) | 
| **Documents** | Not enough data | 8.6 (123 reviews) | 

#### Performance

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Evaluation** | Not enough data | 8.5 (110 reviews) | 
| **Selection** | Not enough data | 8.3 (113 reviews) | 
| **Risk Management** | Not enough data | 8.3 (107 reviews) | 

#### Supplier Information

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Profiles** | Not enough data | 8.3 (122 reviews) | 
| **Qualifications** | Not enough data | 8.2 (117 reviews) | 
| **History** | Not enough data | 8.3 (118 reviews) | 

### Procure to Pay

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 8.4/10 | 249 |

#### Planning

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Processes** | Not enough data | 8.8 (198 reviews) | 
| **Contracts** | Not enough data | 8.6 (173 reviews) | 
| **Content** | Not enough data | 8.3 (172 reviews) | 
| **Requisition** | Not enough data | 8.5 (172 reviews) | 

#### Execution

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Sourcing** | Not enough data | 8.5 (193 reviews) | 
| **Purchasing** | Not enough data | 8.6 (186 reviews) | 
| **Invoicing** | Not enough data | 8.6 (181 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Visibility** | Not enough data | 8.7 (196 reviews) | 
| **Performance** | Not enough data | 8.4 (174 reviews) | 
| **Spend** | Not enough data | 8.6 (184 reviews) | 

#### Agentic AI -  Procure to Pay

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Multi-step Planning** | Not enough data | 6.7 (22 reviews) | 

### Procurement Spend Analysis

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 8.3/10 | 107 |

#### Data Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Consolidation** | Not enough data | 8.6 (92 reviews) | 
| **Classification** | Not enough data | 8.4 (92 reviews) | 
| **External Sources** | Not enough data | 8.4 (90 reviews) | 
| **Integration** | Not enough data | 8.2 (90 reviews) | 
| **Cleaning** | Not enough data | 8.2 (89 reviews) | 

#### Agentic AI -  Accounts Payable (AP) and Spend Analysis

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Decision Making** | Not enough data | 6.9 (8 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Benchmarking** | Not enough data | 8.4 (88 reviews) | 
| **KPIs** | Not enough data | 8.4 (86 reviews) | 
| **Compliance** | Not enough data | 8.4 (91 reviews) | 
| **Errors** | Not enough data | 8.1 (86 reviews) | 

#### Recovery

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Historical payments** | Not enough data | 8.4 (88 reviews) | 
| **Overpayments** | Not enough data | 8.3 (88 reviews) | 

#### AP Data Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Workflows** | Not enough data | 8.5 (89 reviews) | 
| **Transparency** | Not enough data | 8.6 (86 reviews) | 
| **Controls** | Not enough data | 8.7 (87 reviews) | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 6.4/10 | 35 |
| **SAP Ariba** | N/A | N/A |

#### Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Capture** | 7.9 (21 reviews) | Not enough data | 
| **Supplier Portal** | 5.7 (17 reviews) | Not enough data | 
| **Repository** | 7.3 (20 reviews) | Not enough data | 

#### Invoice Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Matching** | 7.1 (17 reviews) | Not enough data | 
| **Payments** | 7.5 (19 reviews) | Not enough data | 
| **Workflows** | 6.9 (18 reviews) | Not enough data | 
| **Tax Compliance** | 6.6 (17 reviews) | Not enough data | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Due Dates** | 6.7 (18 reviews) | Not enough data | 
| **Benchmarking** | 5.4 (16 reviews) | Not enough data | 
| **KPIs** | 5.7 (16 reviews) | Not enough data | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Accounting** | 8.8 (28 reviews) | Not enough data | 
| **Payment Integration** | 8.4 (18 reviews) | Not enough data | 
| **ERP** | 6.4 (18 reviews) | Not enough data | 

#### Risk

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Analysis** | 5.9 (16 reviews) | Not enough data | 
| **Identification** | 6.7 (17 reviews) | Not enough data | 
| **Scoring** | 5.4 (15 reviews) | Not enough data | 

#### Recovery

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Recoup** | 6.4 (16 reviews) | Not enough data | 
| **Reporting** | 6.7 (18 reviews) | Not enough data | 

#### Audit

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Filters** | 6.4 (16 reviews) | Not enough data | 
| **Post Audits** | 5.8 (16 reviews) | Not enough data | 
| **Overpayments** | 5.3 (16 reviews) | Not enough data | 
| **Duplicates** | 7.1 (19 reviews) | Not enough data | 

#### Fraud

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Vendor Checks** | 6.5 (17 reviews) | Not enough data | 
| **Data Generation** | 7.0 (16 reviews) | Not enough data | 
| **Monitoring** | 6.8 (19 reviews) | Not enough data | 

#### Agentic AI - AP Automation

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Autonomous Task Execution** | 5.8 (16 reviews) | Not enough data | 
| **Proactive Assistance** | 5.8 (16 reviews) | Not enough data | 
| **Decision Making** | 5.6 (16 reviews) | Not enough data | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 8.1/10 | 170 |

#### Invoice Generation

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Templates** | Not enough data | 8.3 (129 reviews) ✓ Verified | 
| **Digital Invoices** | Not enough data | 8.6 (134 reviews) ✓ Verified | 
| **Recurring Invoices** | Not enough data | 8.4 (128 reviews) ✓ Verified | 

#### Invoice Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Approvals** | Not enough data | 8.6 (137 reviews) ✓ Verified | 
| **Batch Processing** | Not enough data | 8.1 (128 reviews) | 
| **Consolidation** | Not enough data | 8.3 (130 reviews) | 
| **Match Invoices** | Not enough data | 8.5 (126 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Due Dates** | Not enough data | 8.5 (129 reviews) | 
| **Cashflow** | Not enough data | 8.2 (120 reviews) | 
| **KPIs** | Not enough data | 8.3 (120 reviews) ✓ Verified | 
| **Payment Tracking** | Not enough data | 8.6 (123 reviews) ✓ Verified | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Accounting** | Not enough data | 8.3 (137 reviews) ✓ Verified | 
| **Payments** | Not enough data | 8.5 (138 reviews) | 
| **ERP** | Not enough data | 8.3 (135 reviews) | 
| **Account Sync** | Not enough data | 8.3 (122 reviews) ✓ Verified | 

#### Agentic AI - Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Cross-system Integration** | Not enough data | 7.1 (12 reviews) | 
| **Adaptive Learning** | Not enough data | 7.0 (11 reviews) | 
| **Proactive Assistance** | Not enough data | 6.4 (11 reviews) | 

### Purchasing

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 8.2/10 | 202 |

#### Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Approval** | Not enough data | 8.4 (158 reviews) | 
| **Communication** | Not enough data | 8.3 (160 reviews) | 
| **Documents** | Not enough data | 8.4 (158 reviews) | 
| **Receipt of Goods** | Not enough data | 8.4 (157 reviews) | 

#### Planning

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Processses** | Not enough data | 8.6 (153 reviews) | 
| **Contracts** | Not enough data | 8.4 (148 reviews) | 
| **Content** | Not enough data | 8.1 (151 reviews) | 
| **Requisition** | Not enough data | 8.4 (153 reviews) | 

#### Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Capture** | Not enough data | 8.1 (144 reviews) | 
| **Supplier Portal** | Not enough data | 8.2 (151 reviews) | 
| **Repository** | Not enough data | 8.3 (147 reviews) | 

#### Supplier Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Evaluation** | Not enough data | 8.3 (152 reviews) | 
| **Selection** | Not enough data | 8.3 (153 reviews) | 
| **Risk Management** | Not enough data | 7.8 (137 reviews) | 

#### Execution

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Sourcing** | Not enough data | 8.3 (161 reviews) | 
| **Purchasing** | Not enough data | 8.8 (164 reviews) | 
| **Invoicing** | Not enough data | 8.4 (151 reviews) | 

#### Invoice Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Matching** | Not enough data | 8.1 (136 reviews) | 
| **Payments** | Not enough data | 8.2 (135 reviews) | 
| **Workflows** | Not enough data | 8.2 (143 reviews) | 
| **Tax Compliance** | Not enough data | 8.1 (125 reviews) | 
| **Submittal** | Not enough data | 8.2 (130 reviews) | 

#### Supplier Information

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Profiles** | Not enough data | 8.2 (145 reviews) | 
| **Qualifications** | Not enough data | 8.1 (139 reviews) | 
| **History** | Not enough data | 8.3 (145 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Visibility** | Not enough data | 8.6 (153 reviews) | 
| **Performance** | Not enough data | 8.4 (147 reviews) | 
| **Spend** | Not enough data | 8.2 (144 reviews) | 
| **Due Dates** | Not enough data | 8.4 (137 reviews) | 
| **KPIs** | Not enough data | 8.4 (134 reviews) | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Accounting** | Not enough data | 8.4 (131 reviews) | 
| **Payments** | Not enough data | 8.2 (132 reviews) | 
| **ERP** | Not enough data | 8.3 (143 reviews) | 
| **Procurement** | Not enough data | 8.7 (149 reviews) | 

#### Agentic AI - Purchasing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Proactive Assistance** | Not enough data | 6.7 (7 reviews) | 
| **Decision Making** | Not enough data | 6.9 (7 reviews) | 

### Contract Lifecycle Management (CLM)

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 8.3/10 | 89 |

#### Contract Creation & Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Contract Creation** | Not enough data | 8.7 (75 reviews) | 
| **Contract Templates** | Not enough data | 8.6 (75 reviews) | 
| **Contract Editing** | Not enough data | 8.7 (75 reviews) | 
| **Contract Attachments** | Not enough data | 8.4 (75 reviews) | 

#### Collaboration

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Contract Collaboration** | Not enough data | 8.6 (70 reviews) | 
| **Approval Process** | Not enough data | 8.7 (76 reviews) | 

#### Other Platform Features

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Notifications & Reminders** | Not enough data | 8.6 (75 reviews) | 
| **Contract Database** | Not enough data | 8.6 (72 reviews) | 
| **Contract Compliance** | Not enough data | 8.1 (73 reviews) | 
| **Integrations / APIs** | Not enough data | 8.2 (72 reviews) | 
| **E-Signature** | Not enough data | 8.3 (75 reviews) | 

#### Contract Data

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Reporting & Dashboards** | Not enough data | 8.5 (73 reviews) | 
| **Advanced Contract Analytics** | Not enough data | 8.1 (70 reviews) | 

#### Generative AI

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **AI Text Generation** | Not enough data | 7.4 (16 reviews) | 
| **AI Text Summarization** | Not enough data | 7.2 (16 reviews) | 

#### Agentic AI - Contract Lifecycle Management (CLM)

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 
| **Cross-system Integration** | Not enough data | Not enough data | 
| **Adaptive Learning** | Not enough data | Not enough data | 
| **Natural Language Interaction** | Not enough data | Not enough data | 
| **Proactive Assistance** | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | 

### Third Party & Supplier Risk Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 8.1/10 | 12 |

#### Risk Assessment

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Scoring** | Not enough data | 8.3 (11 reviews) | 
| **AI** | Not enough data | 7.8 (6 reviews) | 

#### Risk Control

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Reviews** | Not enough data | 8.5 (11 reviews) | 
| **Policies** | Not enough data | 8.3 (11 reviews) | 
| **Workflows** | Not enough data | 8.6 (11 reviews) | 

#### Monitoring

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Vendor Performance** | Not enough data | 8.2 (11 reviews) | 
| **Notifications** | Not enough data | 7.3 (11 reviews) | 
| **Oversight** | Not enough data | 7.9 (11 reviews) | 

#### Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Templates** | Not enough data | 8.6 (11 reviews) | 
| **Centralized Data** | Not enough data | 8.3 (12 reviews) | 
| **360 View** | Not enough data | 7.8 (12 reviews) | 

#### Agentic AI - Third Party & Supplier Risk Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Adaptive Learning** | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | 

### Strategic Sourcing

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 7.8/10 | 43 |

#### Supplier Marketplace

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Library** | Not enough data | 7.8 (36 reviews) | 
| **Categorization** | Not enough data | 8.2 (36 reviews) | 
| **Data Management** | Not enough data | 8.4 (37 reviews) | 

#### Contract Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Compliance** | Not enough data | 8.0 (37 reviews) | 
| **Revenue** | Not enough data | 8.1 (36 reviews) | 
| **Negotiations** | Not enough data | 8.2 (34 reviews) | 

#### Data Collection

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Spend** | Not enough data | 8.3 (35 reviews) | 
| **Compliance Reports** | Not enough data | 7.9 (36 reviews) | 
| **Savings** | Not enough data | 8.4 (34 reviews) | 

#### Project Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Dashboard** | Not enough data | 8.2 (37 reviews) | 
| **Repository** | Not enough data | 8.4 (37 reviews) | 
| **Lifecycle** | Not enough data | 8.4 (36 reviews) | 

#### Agentic AI - Strategic Sourcing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Multi-step Planning** | Not enough data | 6.4 (7 reviews) | 
| **Cross-system Integration** | Not enough data | 6.4 (7 reviews) | 
| **Adaptive Learning** | Not enough data | 6.0 (7 reviews) | 

### Catalog Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | 7.8/10 | 9 |

#### Data management - Catalog Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Centralized Product Information** | Not enough data | 8.3 (9 reviews) | 
| **Data Import/Export** | Not enough data | 8.0 (9 reviews) | 
| **Product Data Enrichment** | Not enough data | 7.4 (9 reviews) | 
| **Data Mapping** | Not enough data | 7.4 (9 reviews) | 

#### Product catalogs - Catalog Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Category Management** | Not enough data | 7.6 (9 reviews) | 
| **Search and Navigation** | Not enough data | 8.1 (9 reviews) | 
| **SEO Optimization** | Not enough data | 7.6 (9 reviews) | 

#### Integration - Catalog Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **API Integration** | Not enough data | 7.8 (9 reviews) | 
| **Third-Party Integration** | Not enough data | 7.8 (9 reviews) | 

#### Analytics and Reporting - Catalog Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Catalog Effectiveness** | Not enough data | 7.8 (9 reviews) | 
| **Customer Insights** | Not enough data | 7.6 (9 reviews) | 

#### Agentic AI - Catalog Management

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Multi-step Planning** | Not enough data | Not enough data | 
| **Proactive Assistance** | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

### Autonomous Sourcing

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **SAP Ariba** | N/A | N/A |

#### Sourcing Automation - Autonomous Sourcing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Autonomous RFx Creation** | Not enough data | Not enough data | 
| **Guided Intake & Demand Capture** | Not enough data | Not enough data | 
| **Generative RFx Authoring** | Not enough data | Not enough data | 
| **Natural Language Intake Processing** | Not enough data | Not enough data | 
| **Event Workflow Automation** | Not enough data | Not enough data | 

#### Supplier Management & Discovery - Autonomous Sourcing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Automated Supplier Invitation** | Not enough data | Not enough data | 
| **Supplier Data Enrichment** | Not enough data | Not enough data | 
| **Supplier Discovery & Matching** | Not enough data | Not enough data | 

#### Optimization & Decisioning- Autonomous Sourcing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Multi-Objective AI Optimization** | Not enough data | Not enough data | 
| **What-If Scenario Modeling** | Not enough data | Not enough data | 
| **Explainable AI Recommendations** | Not enough data | Not enough data | 
| **Bid Optimization & Scenario Analysis** | Not enough data | Not enough data | 

#### Intelligence & Insights - Autonomous Sourcing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Spend & Opportunity Identification** | Not enough data | Not enough data | 
| **Predictive Sourcing Insights** | Not enough data | Not enough data | 

#### AI & Agentic Capabilities - Autonomous Sourcing

| Feature | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Supplier Recommendation Engine** | Not enough data | Not enough data | 
| **Autonomous Decision Agents** | Not enough data | Not enough data | 
| **Continuous Learning & Improvement** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Spend Management Software](https://www.g2.com/categories/spend-management)

**Unique to BILL Spend & Expense (Formerly Divvy) (2):** [Expense Management Software](https://www.g2.com/categories/expense-management), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation)

**Unique to SAP Ariba (11):** [Contract Lifecycle Management (CLM) Software](https://www.g2.com/categories/contract-lifecycle-management-clm), [Procurement Spend Analysis](https://www.g2.com/categories/procurement-spend-analysis), [Procure to Pay Software](https://www.g2.com/categories/procure-to-pay), [Supplier Relationship Management (SRM) Software](https://www.g2.com/categories/supplier-relationship-management-srm), [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Strategic Sourcing Software](https://www.g2.com/categories/strategic-sourcing), [Purchasing Software](https://www.g2.com/categories/purchasing-software), [Contract Management Software](https://www.g2.com/categories/contract-management), [Catalog Management Software](https://www.g2.com/categories/catalog-management), [Third Party & Supplier Risk Management Software](https://www.g2.com/categories/third-party-supplier-risk-management), [Autonomous Sourcing](https://www.g2.com/categories/autonomous-sourcing)


---
## Reviewer Demographics

### By Company Size

| Segment | BILL Spend & Expense (Formerly Divvy) | SAP Ariba | 
|---|---|---|
| **Small-Business** | 65.3% | 13.6% | 
| **Mid-Market** | 33.2% | 29.3% | 
| **Enterprise** | 1.5% | 57.0% | 

### By Industry

#### BILL Spend & Expense (Formerly Divvy)

- **Non-Profit Organization Management:** 14.6%
- **Construction:** 9.0%
- **Accounting:** 7.7%
- **Religious Institutions:** 5.2%
- **Computer Software:** 3.9%
- **Real Estate:** 3.5%
- **Marketing and Advertising:** 3.2%
- **Information Technology and Services:** 2.9%
- **Hospital & Health Care:** 2.9%
- **Retail:** 2.8%
- **Other:** 44.1%

#### SAP Ariba

- **Information Technology and Services:** 10.9%
- **Accounting:** 5.9%
- **Oil & Energy:** 5.5%
- **Pharmaceuticals:** 4.2%
- **Computer Software:** 4.2%
- **Automotive:** 3.2%
- **Logistics and Supply Chain:** 3.0%
- **Financial Services:** 2.9%
- **Electrical/Electronic Manufacturing:** 2.9%
- **Telecommunications:** 2.9%
- **Other:** 54.4%

---
## Alternatives

### Alternatives to BILL Spend & Expense (Formerly Divvy)

- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2460 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1608 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9282 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7137 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5654 reviews)
- [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2409 reviews)
- [PEX](https://www.g2.com/products/pex/reviews) — 4.6/5 stars (192 reviews)
- [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1067 reviews)

### Alternatives to SAP Ariba

- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [Zycus Source-to-Pay](https://www.g2.com/products/zycus-source-to-pay/reviews) — 3.6/5 stars (13 reviews)
- [Ivalua](https://www.g2.com/products/ivalua/reviews) — 4.3/5 stars (102 reviews)
- [Jaggaer](https://www.g2.com/products/jaggaer/reviews) — 4.1/5 stars (86 reviews)
- [GEP Quantum Intelligence](https://www.g2.com/products/gep-quantum-intelligence/reviews) — 4.3/5 stars (27 reviews)
- [Procurify](https://www.g2.com/products/procurify/reviews) — 4.6/5 stars (393 reviews)
- [Precoro](https://www.g2.com/products/precoro/reviews) — 4.7/5 stars (210 reviews)
- [Docusign CLM](https://www.g2.com/products/docusign-clm/reviews) — 4.3/5 stars (492 reviews)
- [Basware](https://www.g2.com/products/basware-basware/reviews) — 4.1/5 stars (132 reviews)
- [Tradeshift](https://www.g2.com/products/tradeshift/reviews) — 3.8/5 stars (213 reviews)

---
## Top Discussions

### BILL Spend & Expense (Formerly Divvy)

- Title: [How do you use divvy?](https://www.g2.com/discussions/how-do-you-use-divvy) — 2 comments
  > **Top comment:** "For everything if possible. 
Combined with Melio - I can pay out and pre organize expenses so the end of the month paperwork is like 1/2 an hour at most...."
- Title: [Is divvy free?](https://www.g2.com/discussions/is-divvy-free) — 2 comments
  > **Top comment:** "Yes, no signup or yearly fees. Great Business Credit Card, No Personal Guarantee just like CapitalOnTap."
- Title: [Is Getdivvy legit?](https://www.g2.com/discussions/is-getdivvy-legit) — 1 comment
  > **Top comment:** "Yes. It is the best spend manager that we have ever used. Highly recommended. We have it deployed around our 6 global offices, 250 plus employees. "
- Title: [Divvy](https://www.g2.com/discussions/divvy) — 1 comment, 2 upvotes
  > **Top comment:** "Unfortunately, I still noticed that divvy deletes negative reviews xoxoxox
I also had a negative experience with divvy characterized by the fact that..."
- Title: [What is the best way to manage your credit limit?](https://www.g2.com/discussions/what-is-the-best-way-to-manage-your-credit-limit) — 1 comment, 1 upvote
  > **Top comment:** "Well depends on what your company is approved for, like some people are given a secured or credit builder option so whatever you load is your credit."

### SAP Ariba

- Title: [What is SAP Ariba used for?](https://www.g2.com/discussions/what-is-sap-ariba-used-for) — 4 comments
  > **Top comment:** "Ariba offers a comprehensive array of tools and solutions to cover core procurement activities and challenges. As with any process, procurement’s complexity..."
- Title: [Is SAP Ariba the same as SAP?](https://www.g2.com/discussions/is-sap-ariba-the-same-as-sap) — 4 comments
  > **Top comment:** "NO"
- Title: [How do you use Ariba software?](https://www.g2.com/discussions/how-do-you-use-ariba-software) — 2 comments
  > **Top comment:** "daily"
- Title: [What is SAP Ariba software?](https://www.g2.com/discussions/what-is-sap-ariba-software) — 2 comments
  > **Top comment:** "It is a P2P ERP software used for multiple transactions in generating POs, Invoices, Vendor Management process"
- Title: [Can we have demo link to practice?](https://www.g2.com/discussions/can-we-have-demo-link-to-practice) — 2 comments, 1 upvote
  > **Top comment:** "Marco company they helped me recover the total of 680000 usd i had lost to 5 different brokers, i was shocked when i received the credit.  They are not the..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/bill-spend-expense-formerly-divvy-vs-sap-ariba)