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Compare BILL Spend & Expense (Formerly Divvy) and Zoho Expense 
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BILL Spend & Expense (Formerly Divvy)
Optimized for quick response
At a Glance
Market Segments
Small-Business (65.1% of reviews)
Small-Business (81.8% of reviews)
Entry-Level Pricing
$0.00 1 user Per Month
$0.00
BILL Spend & Expense (Formerly Divvy)
Star Rating
(2,024)4.5 out of 5
Market Segments
Small-Business (65.1% of reviews)
Pros & Cons
Entry-Level Pricing
$0.00 1 user Per Month
Learn more about BILL Spend & Expense (Formerly Divvy)Zoho Expense
Star Rating
(1,449)4.5 out of 5
Market Segments
Small-Business (81.8% of reviews)
Pros & Cons
Entry-Level Pricing
$0.00
Free Trial is available
Browse all 4 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- G2 reviewers report that BILL Spend & Expense (Formerly Divvy) excels in overall user satisfaction, reflected in its higher G2 Score of 90.1 compared to Zoho Expense's 82.68. Users appreciate its all-in-one platform, noting that it simplifies expense tracking and approvals, making it a convenient choice for small businesses.
- Users say that Zoho Expense offers a clean and intuitive interface, which many find easy to navigate. Recent feedback highlights its efficient mobile app for submitting expenses, where users can quickly snap photos of receipts, making the process straightforward and fast.
- Reviewers mention that BILL Spend & Expense (Formerly Divvy) provides a seamless setup experience, with users praising its ability to connect easily with accounting software. This integration capability is a significant advantage for businesses looking to streamline their financial processes.
- According to verified reviews, Zoho Expense shines in its receipt management features, with users highlighting its accurate multi-lingual AI interpretation of scanned receipts. This functionality enhances the user experience, especially for those managing expenses in different languages.
- G2 reviewers note that while both products have similar star ratings, BILL Spend & Expense (Formerly Divvy) has a larger volume of recent reviews, indicating a more active user base and potentially more up-to-date feedback on its features and performance.
- Users report that Zoho Expense's employee reimbursement process is generally well-received, although some find it slightly less efficient compared to BILL Spend & Expense (Formerly Divvy), which is praised for its secure and convenient payment options, particularly for online purchases.
Pricing
Entry-Level Pricing
BILL Spend & Expense (Formerly Divvy)
Spend & Expense
$0.00
1 user Per Month
Access credit lines from $1,000-$5M. Easily request funds, set budgets, and track spend using free software combined with corporate cards.
- Get as many physical and virtual cards as you need
- Access budgets with proactive spend controls
- Set up automated expense mangement
Zoho Expense
Free Plan
$0.00
For small businesses and freelancers to track expenses and mileage claims. Includes a free mobile app (iOS & Android) to capture receipts and track expenses on the go. Upto 3 users.
- 5 GB Receipt Storage
- 20 Receipt Autoscans
- Multicurrency Expenses
Free Trial
BILL Spend & Expense (Formerly Divvy)
Free Trial is available
Zoho Expense
Free Trial is available
Ratings
Meets Requirements
9.0
1,712
8.8
1,182
Ease of Use
9.1
1,752
8.8
1,202
Ease of Setup
8.8
1,476
8.6
886
Ease of Admin
9.0
1,443
8.7
764
Quality of Support
8.6
1,598
8.5
959
Has the product been a good partner in doing business?
9.1
1,428
8.7
717
Product Direction (% positive)
9.1
1,719
9.1
1,158
Features by Category
Expense Reports
8.5
1024
|
Verified
8.7
852
|
Verified
8.7
1076
|
Verified
7.4
607
|
Verified
8.3
1059
|
Verified
8.0
712
|
Verified
9.1
1167
|
Verified
8.7
806
|
Verified
7.8
909
|
Verified
8.4
661
|
Verified
7.8
709
|
Verified
8.2
605
|
Verified
8.4
942
|
Verified
7.5
523
|
Verified
Agentic AI - Expense Management
6.4
117
7.4
46
7.1
119
7.8
47
Travel Management
7.5
772
7.7
369
6.7
628
7.5
413
6.5
609
7.6
413
6.9
684
7.6
421
Client Invoicing
Feature Not Available
Feature Not Available
7.9
880
|
Verified
7.7
358
7.8
788
|
Verified
7.9
429
|
Verified
Mobile
9.2
1109
|
Verified
8.8
765
|
Verified
7.4
681
|
Verified
8.3
515
|
Verified
Feature Not Available
7.5
285
Platform
7.1
600
7.7
390
|
Verified
7.8
748
|
Verified
7.9
427
|
Verified
Administration
8.2
686
|
Verified
8.0
343
|
Verified
Administration
8.3
977
|
Verified
8.2
549
|
Verified
8.3
982
|
Verified
8.4
588
|
Verified
8.3
1026
|
Verified
8.3
564
|
Verified
8.4
930
|
Verified
8.3
513
|
Verified
8.9
1130
|
Verified
8.6
639
|
Verified
Platform
8.5
994
|
Verified
8.4
654
|
Verified
7.9
760
|
Verified
7.8
423
|
Verified
7.6
635
8.1
402
|
Verified
8.9
1054
|
Verified
8.7
638
|
Verified
8.9
1015
|
Verified
8.6
586
|
Verified
Feature Not Available
7.7
408
|
Verified
Setup
Not enough data
8.5
114
Not enough data
8.6
120
Not enough data
8.6
117
Not enough data
8.5
115
Tracking
Not enough data
9.0
139
Not enough data
8.6
121
Not enough data
8.7
118
Reimbursement
Not enough data
8.9
133
Not enough data
9.1
145
Not enough data
8.7
119
Platform - Mileage Tracking
Not enough data
8.9
58
Not enough data
8.2
55
Agentic AI - Mileage Tracking
Not enough data
7.7
11
Not enough data
7.1
11
Setup
8.1
698
Not enough data
8.7
755
Not enough data
8.5
620
Not enough data
Performance
7.6
544
Not enough data
7.6
549
Not enough data
7.4
551
Not enough data
7.6
581
Not enough data
Payment Cards
8.7
649
Not enough data
8.7
666
Not enough data
9.0
752
Not enough data
Reporting
8.9
738
Not enough data
8.7
645
Not enough data
8.7
692
Not enough data
8.6
777
Not enough data
Payments
8.4
663
Not enough data
8.6
662
Not enough data
7.6
603
Not enough data
7.9
617
Not enough data
Fraud & Risk Management
8.4
734
Not enough data
8.8
716
Not enough data
9.0
732
Not enough data
Agentic AI - Spend Management
5.7
57
Not enough data
Invoice Management
8.0
18
Not enough data
5.2
15
Not enough data
7.2
19
Not enough data
Invoice Processing
6.7
15
Not enough data
7.3
17
Not enough data
6.8
17
Not enough data
6.4
16
Not enough data
Analytics
6.5
17
Not enough data
5.1
15
Not enough data
5.4
15
Not enough data
Integration
9.0
22
Not enough data
8.1
15
Not enough data
5.9
16
Not enough data
Risk
5.7
15
Not enough data
6.5
16
Not enough data
5.1
14
Not enough data
Recovery
6.1
15
Not enough data
6.1
15
Not enough data
Audit
6.1
15
Not enough data
5.6
15
Not enough data
5.0
15
Not enough data
6.6
16
Not enough data
Fraud
6.3
16
Not enough data
6.8
15
Not enough data
6.6
15
Not enough data
Agentic AI - AP Automation
5.6
15
Not enough data
5.6
15
Not enough data
5.3
15
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
BILL Spend & Expense (Formerly Divvy) and Zoho Expense are categorized as Expense Management
Unique Categories
BILL Spend & Expense (Formerly Divvy) is categorized as Spend Management and AP Automation
Zoho Expense is categorized as Mileage Tracking
Reviews
Reviewers' Company Size
BILL Spend & Expense (Formerly Divvy)
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Zoho Expense
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Small-Business
(50 or fewer emp.)
Mid-Market
(51-1000 emp.)
Enterprise
(> 1000 emp.)
Reviewers' Industry
Non-Profit Organization Management
14.5%
Construction
8.8%
Accounting
7.9%
Religious Institutions
5.1%
Computer Software
4.1%
Other
59.5%
Information Technology and Services
8.2%
Computer Software
6.0%
Construction
4.5%
Non-Profit Organization Management
4.2%
Accounting
3.5%
Other
73.5%
Alternatives
Discussions
How do you use divvy?
2 Comments
SW
Build business credit and keep track of expensesRead more
Is divvy free?
2 Comments
GM
Yes, no signup or yearly fees. Great Business Credit Card, No Personal Guarantee just like CapitalOnTap.Read more
When will importation of transactions include jobs?
1 Comment
MB
Based on my conversations with Divvy people at QuickBooks Connect, it should be now or momentarily. The work around would be to have several expense...Read more
How can I import my e-receipt from my cellphone to this software?
2 Comments
BJ
One way is to email the e-receipt to the unique Zoho expense email address associated with your account. Read more
What are the pricing plans for Zoho Expense?
1 Comment
Official Response from Zoho Expense
The monthly plan comes at a price of $15/month for a 10 user pack and $2/month for every additional user. The yearly plan comes at a price of $150 (for 10...Read more
What accounting software does Zoho Expense integrate with?
1 Comment
TM
Quickbooks Online, Quickbooks Desktop, Xero, Microsoft Dyanmics, Oracle, SAP, and Zoho BooksRead more
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