# BILL Spend & Expense (Formerly Divvy) vs Soldo Comparison --- ## AI Generated Summary - **G2 reviewers report** that BILL Spend & Expense (Formerly Divvy) excels in integration capabilities, allowing users to connect seamlessly with various vendor portals and accounting software like Xero. This integration helps automate tasks and provides clear visibility into expenses, making it a preferred choice for businesses looking to streamline their financial processes. - **Users say** that Soldo offers an easy-to-use web platform, which simplifies training for employees and makes generating reports straightforward. The ability to upload receipts via files or photos is particularly appreciated, especially for teams that need to manage expenses quickly and efficiently. - **According to verified reviews** , BILL Spend & Expense (Formerly Divvy) stands out for its virtual card platform, which allows businesses to assign different budgets and permissions to employees. This feature enhances control over spending and ensures that all expenses are reviewed and approved, a significant advantage for companies focused on financial oversight. - **Reviewers mention** that while Soldo provides excellent customer service, it may not match the extensive feature set of BILL Spend & Expense (Formerly Divvy). Users appreciate Soldo's bulk transfer functionality, which simplifies cash disbursements, but some feel that it lacks the depth of automation and integration options found in its competitor. - **Users highlight** that both platforms offer similar ease of use, with both scoring well in this area. However, BILL Spend & Expense (Formerly Divvy) has a slight edge in user satisfaction, as it provides more robust features for expense reporting and digital receipt management, which users find crucial for maintaining accurate financial records. - **G2 reviewers note** that while Soldo has a strong focus on customer support, BILL Spend & Expense (Formerly Divvy) is recognized for its comprehensive approach to expense management, including features like smart categorization and real-time tracking, which help businesses maintain tighter control over their spending. | | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Star Rating** | 4.5 out of 5 | 4.5 out of 5 | | **Total Reviews** | 2,106 | 193 | | **Largest Market Segment** | Small-Business (65.1% of reviews) | Small-Business (47.5% of reviews) | | **Entry Level Price** | $0.00 1 user Per Month | Contact Us Per Month | --- ## 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) ### Soldo Pros: - Ease of Use (23 reviews) - Customer Support (16 reviews) Cons: - Approval Issues (9 reviews) - Inadequate Reporting (5 reviews) --- ## Ratings Comparison | Rating | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Meets Requirements** | 9.0 (1765 reviews) | 8.8 (126 reviews) | | **Ease of Use** | 9.1 (1808 reviews) | 9.1 (132 reviews) | | **Ease of Setup** | 8.8 (1530 reviews) | 8.7 (117 reviews) | | **Ease of Admin** | 8.9 (1472 reviews) | 8.8 (111 reviews) | | **Quality of Support** | 8.6 (1649 reviews) | 9.1 (125 reviews) | | **Has the product been a good partner in doing business?** | 9.1 (1457 reviews) | 9.0 (110 reviews) | | **Product Direction (% positive)** | 9.1 (1775 reviews) | 9.2 (120 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 ### Soldo #### Entry-Level Pricing Plan: Enterprise Price: Contact Us Per Month Description: A customisable solution for large organisations. Key Features: - Unlimited users - Unlimited cards - Team cards with unlimited users [Browse all 3 editions](https://www.g2.com/products/soldo/pricing) #### Free Trial Yes --- ## Features Comparison By Category ### Expense Management | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 8.0/10 | 1370 | | **Soldo** | 8.2/10 | 90 | #### Expense Reports | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Ease of Creating Expense Reports** | 8.5 (1045 reviews) ✓ Verified | 7.9 (72 reviews) | | **Bank / Credit Card Integration** | 8.7 (1086 reviews) ✓ Verified | 8.1 (64 reviews) | | **Smart Categorization** | 8.3 (1070 reviews) ✓ Verified | 7.8 (67 reviews) | | **Digital Receipt Management** | 9.1 (1192 reviews) ✓ Verified | 8.4 (80 reviews) | | **Employee Reimbursement** | 7.8 (921 reviews) ✓ Verified | 7.5 (48 reviews) | | **Currency Conversions** | 7.8 (717 reviews) ✓ Verified | 7.7 (47 reviews) | | **Credit Card Integration** | 8.4 (960 reviews) ✓ Verified | Feature Not Available | #### Agentic AI - Expense Management | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Autonomous Task Execution** | 6.5 (119 reviews) | 9.3 (5 reviews) | | **Cross-system Integration** | 7.1 (122 reviews) | 9.4 (6 reviews) | #### Travel Management | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Ease of Booking** | 7.5 (778 reviews) | Feature Not Available | | **Itinerary Management** | 6.7 (634 reviews) | Feature Not Available | | **Trip Notifications** | 6.5 (615 reviews) | Feature Not Available | | **Advanced Integrations** | 6.9 (690 reviews) | 7.2 (24 reviews) | #### Client Invoicing | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Electronic Payments** | 7.9 (887 reviews) ✓ Verified | Feature Not Available | | **Project Accounting / Revenue Recognition** | 7.8 (794 reviews) ✓ Verified | Feature Not Available | #### Generative AI - Expense Management | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **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) | Soldo | |---|---|---| | **Receipt Capture** | 9.2 (1123 reviews) ✓ Verified | 8.9 (74 reviews) | | **Mileage Tracking** | 7.4 (691 reviews) ✓ Verified | 6.7 (22 reviews) | #### Platform | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Embedded AI / Machine Learning** | 7.1 (605 reviews) | Feature Not Available | | **Complex Approval Workflow** | 7.8 (754 reviews) ✓ Verified | 7.8 (45 reviews) | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **PCI Regulation Compliant** | 8.2 (690 reviews) ✓ Verified | 8.1 (47 reviews) | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Business Tool Integration** | 8.3 (1001 reviews) ✓ Verified | 8.3 (57 reviews) | | **Workflow** | 8.3 (1000 reviews) ✓ Verified | 8.3 (50 reviews) | | **Automated Reminders** | 8.3 (1035 reviews) ✓ Verified | 7.9 (23 reviews) | | **Policy Compliance Management** | 8.4 (942 reviews) ✓ Verified | 8.3 (56 reviews) | | **User, Role, and Access Management** | 8.9 (1141 reviews) ✓ Verified | 8.5 (78 reviews) | #### Platform | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Reporting** | 8.5 (1007 reviews) ✓ Verified | 8.5 (72 reviews) | | **APIs / Integration** | 7.9 (769 reviews) ✓ Verified | 7.7 (52 reviews) | | **Internationalization** | 7.6 (639 reviews) | 8.2 (50 reviews) | | **Performance and Reliability** | 8.9 (1068 reviews) ✓ Verified | 8.8 (78 reviews) | | **Mobile User Support** | 8.9 (1021 reviews) ✓ Verified | 9.1 (72 reviews) | | **Offline** | Feature Not Available | 8.1 (53 reviews) | ### Spend Management | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 8.2/10 | 926 | | **Soldo** | 7.8/10 | 63 | #### Setup | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Data** | 8.1 (705 reviews) | Feature Not Available | | **Approvals** | 8.7 (764 reviews) | 8.2 (51 reviews) | | **Alignment** | 8.5 (627 reviews) | 7.6 (47 reviews) | #### Performance | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **KPIs** | 7.6 (551 reviews) | Feature Not Available | | **Benchmarks** | 7.6 (556 reviews) | Feature Not Available | | **Forecasting** | 7.4 (558 reviews) | Feature Not Available | | **Savings** | 7.6 (588 reviews) | Feature Not Available | #### Payment Cards | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **One-time Virtual** | 8.8 (656 reviews) | 7.5 (37 reviews) | | **Recurring Virtual** | 8.8 (674 reviews) | 7.4 (37 reviews) | | **Physical** | 9.0 (760 reviews) | 8.6 (44 reviews) | #### Reporting | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Real time** | 8.9 (746 reviews) | 8.3 (42 reviews) | | **Multiple Views** | 8.7 (653 reviews) | 7.9 (41 reviews) | | **Export** | 8.7 (700 reviews) | 8.6 (44 reviews) | | **Budgets** | 8.6 (788 reviews) | 6.9 (39 reviews) | #### Payments | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Vendor** | 8.4 (670 reviews) | 7.4 (39 reviews) | | **Recurring** | 8.6 (669 reviews) | 7.6 (39 reviews) | | **Employee Reimbursements** | 7.6 (610 reviews) | 6.6 (37 reviews) | | **ACH** | 7.9 (624 reviews) | 7.1 (36 reviews) | #### Fraud & Risk Management | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Notifications** | 8.4 (741 reviews) | 8.3 (41 reviews) | | **Unique Cards** | 8.8 (724 reviews) | 8.2 (40 reviews) | | **Controls** | 9.0 (740 reviews) | 8.8 (45 reviews) | #### Agentic AI - Spend Management | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Proactive Assistance** | 5.8 (59 reviews) | Not enough data | ### AP Automation | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 6.3/10 | 31 | | **Soldo** | N/A | N/A | #### Invoice Management | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Capture** | 8.2 (20 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) | Soldo | |---|---|---| | **Matching** | 6.9 (16 reviews) | Not enough data | | **Payments** | 7.4 (18 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) | Soldo | |---|---|---| | **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) | Soldo | |---|---|---| | **Accounting** | 9.0 (26 reviews) | Not enough data | | **Payment Integration** | 8.2 (16 reviews) | Not enough data | | **ERP** | 6.2 (17 reviews) | Not enough data | #### Risk | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **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) | Soldo | |---|---|---| | **Recoup** | 6.4 (16 reviews) | Not enough data | | **Reporting** | 6.4 (16 reviews) | Not enough data | #### Audit | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **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** | 6.8 (17 reviews) | Not enough data | #### Fraud | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Vendor Checks** | 6.5 (17 reviews) | Not enough data | | **Data Generation** | 7.0 (16 reviews) | Not enough data | | **Monitoring** | 6.8 (16 reviews) | Not enough data | #### Agentic AI - AP Automation | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **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 | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A | | **Soldo** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | --- ## Categories **Shared Categories (2):** [Expense Management Software](https://www.g2.com/categories/expense-management), [Spend Management Software](https://www.g2.com/categories/spend-management) **Unique to BILL Spend & Expense (Formerly Divvy) (1):** [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation) --- ## Reviewer Demographics ### By Company Size | Segment | BILL Spend & Expense (Formerly Divvy) | Soldo | |---|---|---| | **Small-Business** | 65.1% | 47.5% | | **Mid-Market** | 33.4% | 44.3% | | **Enterprise** | 1.5% | 8.2% | ### By Industry #### BILL Spend & Expense (Formerly Divvy) - **Non-Profit Organization Management:** 14.6% - **Construction:** 8.7% - **Accounting:** 7.9% - **Religious Institutions:** 5.3% - **Computer Software:** 4.0% - **Real Estate:** 3.6% - **Marketing and Advertising:** 3.2% - **Information Technology and Services:** 3.0% - **Hospital & Health Care:** 2.9% - **Retail:** 2.7% - **Other:** 44.2% #### Soldo - **Non-Profit Organization Management:** 9.9% - **Accounting:** 8.8% - **Hospital & Health Care:** 6.1% - **Computer Software:** 5.0% - **Financial Services:** 4.4% - **Hospitality:** 4.4% - **Health, Wellness and Fitness:** 3.3% - **Construction:** 3.3% - **Entertainment:** 2.8% - **Leisure, Travel & Tourism:** 2.8% - **Other:** 49.2% --- ## Alternatives ### Alternatives to BILL Spend & Expense (Formerly Divvy) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2450 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1593 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9102 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7128 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 (5653 reviews) - [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2408 reviews) - [PEX](https://www.g2.com/products/pex/reviews) — 4.6/5 stars (192 reviews) - [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1123 reviews) ### Alternatives to Soldo - [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews) - [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews) - [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (895 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5653 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1593 reviews) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2450 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7128 reviews) - [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9102 reviews) - [Zoho Expense](https://www.g2.com/products/zoho-expense/reviews) — 4.5/5 stars (1536 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." ### Soldo - Title: [Is Xero the best platform to use with Soldo?](https://www.g2.com/discussions/38368-is-xero-the-best-platform-to-use-with-soldo) — 1 comment, 1 upvote *(includes official response)* > **Top comment:** "Hi Liam Soldo integrates seamlessly with Xero, as well as QuickBooks and NetSuite. For other accounting software, it's as simple as exporting data from..." --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/bill-spend-expense-formerly-divvy-vs-soldo)