# BILL Spend & Expense (Formerly Divvy) vs Torpago Comparison --- ## AI Generated Summary - **G2 reviewers report** that BILL Spend & Expense (Formerly Divvy) excels in integration capabilities, allowing users to easily connect with various vendor portals and accounting software like Xero. This feature enhances visibility into payables and expenses, streamlining financial processes. - **Users say** that Torpago offers a straightforward experience with its AP automation and seamless syncing to ERP systems. Many appreciate its ease of use, noting that getting expenses accepted requires little to no effort, which can be a significant time-saver for teams. - **Reviewers mention** that BILL Spend & Expense (Formerly Divvy) provides a robust virtual card platform, enabling employees to manage budgets and permissions effectively. This feature helps organizations maintain control over spending while allowing flexibility for staff. - **According to verified reviews** , Torpago users enjoy the benefits of cash back on transactions, with one user highlighting a 1.5% return. This financial incentive can be appealing for businesses looking to maximize their spending efficiency. - **G2 reviewers highlight** that BILL Spend & Expense (Formerly Divvy) has a higher overall satisfaction rating, reflecting its strong performance in user experience and support. Users appreciate the intuitive onboarding process and the ability to upload and code receipts for easy integration with QuickBooks Online. - **Users express mixed feelings** about Torpago's support quality, with some noting that while it works well for basic tasks, it may not offer the same level of comprehensive support as BILL Spend & Expense (Formerly Divvy), which has garnered praise for its responsive customer service. | | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Star Rating** | 4.5 out of 5 | 4.3 out of 5 | | **Total Reviews** | 2,102 | 21 | | **Largest Market Segment** | Small-Business (65.1% of reviews) | Small-Business (85.7% 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) ### Torpago Pros: - Ease of Use (1 reviews) - Easy Integrations (1 reviews) Cons: - Card Issues (1 reviews) - Credit Issues (1 reviews) --- ## Ratings Comparison | Rating | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Meets Requirements** | 9.0 (1762 reviews) | 8.0 (10 reviews) | | **Ease of Use** | 9.1 (1804 reviews) | 8.5 (10 reviews) | | **Ease of Setup** | 8.8 (1527 reviews) | 8.1 (8 reviews) | | **Ease of Admin** | 8.9 (1474 reviews) | 7.9 (7 reviews) | | **Quality of Support** | 8.6 (1645 reviews) | 8.7 (10 reviews) | | **Has the product been a good partner in doing business?** | 9.1 (1459 reviews) | 8.1 (7 reviews) | | **Product Direction (% positive)** | 9.1 (1770 reviews) | 8.3 (7 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 ### Torpago #### 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 | 1365 | | **Torpago** | N/A | N/A | #### Expense Reports | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Ease of Creating Expense Reports** | 8.5 (1044 reviews) ✓ Verified | Not enough data | | **Bank / Credit Card Integration** | 8.7 (1088 reviews) ✓ Verified | Not enough data | | **Smart Categorization** | 8.3 (1072 reviews) ✓ Verified | Not enough data | | **Digital Receipt Management** | 9.1 (1191 reviews) ✓ Verified | Not enough data | | **Employee Reimbursement** | 7.8 (922 reviews) ✓ Verified | Not enough data | | **Currency Conversions** | 7.8 (718 reviews) ✓ Verified | Not enough data | | **Credit Card Integration** | 8.4 (961 reviews) ✓ Verified | Not enough data | #### Agentic AI - Expense Management | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Autonomous Task Execution** | 6.5 (119 reviews) | Not enough data | | **Cross-system Integration** | 7.1 (122 reviews) | Not enough data | #### Travel Management | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Ease of Booking** | 7.5 (779 reviews) | Not enough data | | **Itinerary Management** | 6.7 (635 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) | Torpago | |---|---|---| | **Invoice Creation and Delivery** | Feature Not Available | Not enough data | | **Electronic Payments** | 7.9 (888 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) | Torpago | |---|---|---| | **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) | Torpago | |---|---|---| | **Receipt Capture** | 9.2 (1123 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) | Torpago | |---|---|---| | **Embedded AI / Machine Learning** | 7.1 (606 reviews) | Not enough data | | **Complex Approval Workflow** | 7.8 (755 reviews) ✓ Verified | Not enough data | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **PCI Regulation Compliant** | 8.2 (691 reviews) ✓ Verified | Not enough data | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Business Tool Integration** | 8.3 (1000 reviews) ✓ Verified | Not enough data | | **Workflow** | 8.3 (1000 reviews) ✓ Verified | Not enough data | | **Automated Reminders** | 8.3 (1036 reviews) ✓ Verified | Not enough data | | **Policy Compliance Management** | 8.4 (942 reviews) ✓ Verified | Not enough data | | **User, Role, and Access Management** | 8.9 (1143 reviews) ✓ Verified | Not enough data | #### Platform | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Reporting** | 8.5 (1008 reviews) ✓ Verified | Not enough data | | **APIs / Integration** | 7.9 (770 reviews) ✓ Verified | Not enough data | | **Internationalization** | 7.6 (640 reviews) | Not enough data | | **Performance and Reliability** | 8.9 (1068 reviews) ✓ Verified | Not enough data | | **Mobile User Support** | 8.9 (1023 reviews) ✓ Verified | Not enough data | | **Offline** | Feature Not Available | Not enough data | ### Spend Management | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 8.3/10 | 926 | | **Torpago** | N/A | N/A | #### Setup | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Data** | 8.1 (706 reviews) | Not enough data | | **Approvals** | 8.7 (765 reviews) | Not enough data | | **Alignment** | 8.5 (628 reviews) | Not enough data | #### Performance | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **KPIs** | 7.6 (552 reviews) | Not enough data | | **Benchmarks** | 7.6 (557 reviews) | Not enough data | | **Forecasting** | 7.4 (559 reviews) | Not enough data | | **Savings** | 7.6 (589 reviews) | Not enough data | #### Payment Cards | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **One-time Virtual** | 8.8 (657 reviews) | Not enough data | | **Recurring Virtual** | 8.8 (675 reviews) | Not enough data | | **Physical** | 9.0 (761 reviews) | Not enough data | #### Reporting | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Real time** | 9.0 (747 reviews) | Not enough data | | **Multiple Views** | 8.7 (654 reviews) | Not enough data | | **Export** | 8.7 (701 reviews) | Not enough data | | **Budgets** | 8.6 (789 reviews) | Not enough data | #### Payments | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Vendor** | 8.4 (671 reviews) | Not enough data | | **Recurring** | 8.6 (670 reviews) | Not enough data | | **Employee Reimbursements** | 7.6 (611 reviews) | Not enough data | | **ACH** | 7.9 (625 reviews) | Not enough data | #### Fraud & Risk Management | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Notifications** | 8.4 (742 reviews) | Not enough data | | **Unique Cards** | 8.8 (725 reviews) | Not enough data | | **Controls** | 9.0 (741 reviews) | Not enough data | #### Agentic AI - Spend Management | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Proactive Assistance** | 5.8 (59 reviews) | Not enough data | ### AP Automation | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 6.3/10 | 30 | | **Torpago** | N/A | N/A | #### Invoice Management | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Capture** | 8.1 (19 reviews) | Not enough data | | **Supplier Portal** | 5.5 (16 reviews) | Not enough data | | **Repository** | 7.3 (20 reviews) | Not enough data | #### Invoice Processing | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **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) | Torpago | |---|---|---| | **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) | Torpago | |---|---|---| | **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) | Torpago | |---|---|---| | **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) | Torpago | |---|---|---| | **Recoup** | 6.4 (16 reviews) | Not enough data | | **Reporting** | 6.4 (16 reviews) | Not enough data | #### Audit | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **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) | Torpago | |---|---|---| | **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) | Torpago | |---|---|---| | **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 | ### Payment Card Issuance | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A | | **Torpago** | N/A | N/A | #### Card Management | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Card Types** | Not enough data | Not enough data | | **Card Controls** | Not enough data | Not enough data | | **Card Personalization** | Not enough data | Not enough data | | **Configuration** | Not enough data | Not enough data | | **Fulfillment** | Not enough data | Not enough data | | **Replacement** | Not enough data | Not enough data | #### Controls | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Tokenization** | Not enough data | Not enough data | | **Security** | Not enough data | Not enough data | | **Card Networks** | Not enough data | Not enough data | | **Integration** | Not enough data | Not enough data | | **Testing** | Not enough data | Not enough data | | **APIs** | Not enough data | Not enough data | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A | | **Torpago** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **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) **Unique to Torpago (1):** [Payment Card Issuance Software](https://www.g2.com/categories/payment-card-issuance) --- ## Reviewer Demographics ### By Company Size | Segment | BILL Spend & Expense (Formerly Divvy) | Torpago | |---|---|---| | **Small-Business** | 65.1% | 85.7% | | **Mid-Market** | 33.3% | 14.3% | | **Enterprise** | 1.6% | 0% | ### By Industry #### BILL Spend & Expense (Formerly Divvy) - **Non-Profit Organization Management:** 14.5% - **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% #### Torpago - **Venture Capital & Private Equity:** 9.5% - **Real Estate:** 9.5% - **Management Consulting:** 9.5% - **Financial Services:** 9.5% - **Accounting:** 4.8% - **Banking:** 4.8% - **Business Supplies and Equipment:** 4.8% - **Computer & Network Security:** 4.8% - **Computer Software:** 4.8% - **Consumer Goods:** 4.8% - **Other:** 33.3% --- ## Alternatives ### Alternatives to BILL Spend & Expense (Formerly Divvy) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2414 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1571 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9087 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7052 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 (5639 reviews) - [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2384 reviews) - [PEX](https://www.g2.com/products/pex/reviews) — 4.6/5 stars (190 reviews) - [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1119 reviews) ### Alternatives to Torpago - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2414 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1571 reviews) - [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (889 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5639 reviews) - [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2384 reviews) - [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1925 reviews) - [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1066 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9087 reviews) - [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews) - [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1119 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." ### Torpago No discussions available for this product. --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/bill-spend-expense-formerly-divvy-vs-torpago)