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Compare BILL Spend & Expense (Formerly Divvy) and Ramp 
Featured Products
BILL Spend & Expense (Formerly Divvy)
Optimized for quick response
At a Glance
Market Segments
Small-Business (65.4% of reviews)
Small-Business (58.6% of reviews)
Entry-Level Pricing
$0.00 1 user Per Month
Free
BILL Spend & Expense (Formerly Divvy)
Star Rating
(1,942)4.5 out of 5
Market Segments
Small-Business (65.4% of reviews)
Pros & Cons
Entry-Level Pricing
$0.00 1 user Per Month
Learn more about BILL Spend & Expense (Formerly Divvy)Ramp
Star Rating
(2,273)4.8 out of 5
Market Segments
Small-Business (58.6% of reviews)
Pros & Cons
Entry-Level Pricing
Free
Free Trial is available
Browse all 3 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, boasting a higher G2 Score compared to Ramp. Users appreciate its comprehensive platform for managing expenses, with one reviewer noting the convenience of tracking expenses and completing approvals seamlessly.
- Users say that Ramp shines in ease of use, with many finding it intuitive and straightforward. Reviewers highlight the multiple ways to provide information, such as through email, text, or app, making it accessible for small businesses looking to manage expenses without hassle.
- According to verified reviews, BILL Spend & Expense (Formerly Divvy) is particularly praised for its robust features, including secure payment options and the ability to connect with accounting software. Users have expressed satisfaction with its functionality for handling various payment types, enhancing their overall experience.
- Reviewers mention that Ramp offers excellent customer service, which is a significant advantage for users who may need assistance. One user noted the high level of support received, which can be crucial for businesses navigating expense management for the first time.
- G2 reviewers highlight that while Ramp has a slight edge in user ratings for specific features like employee reimbursements and digital receipt management, BILL Spend & Expense (Formerly Divvy) still provides a solid experience, especially for those who prioritize a comprehensive expense tracking solution.
- Users report that both platforms have their strengths, but BILL Spend & Expense (Formerly Divvy) is often favored for its all-in-one capabilities, while Ramp is recognized for its user-friendly interface and step-by-step guidance, making it easier for users to adapt and manage their expenses effectively.
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
Ramp
Ramp
Free
Control spend, automate payments, and close the books faster for greater financial health on the ultimate platform.
- Unlimited cards and smart controls
- Automated receipt collection and matching
- Expense and mileage reimbursements
Free Trial
BILL Spend & Expense (Formerly Divvy)
Free Trial is available
Ramp
Free Trial is available
Ratings
Meets Requirements
9.0
1,682
9.4
1,752
Ease of Use
9.1
1,722
9.5
1,794
Ease of Setup
8.8
1,449
9.3
1,123
Ease of Admin
9.0
1,416
9.4
1,062
Quality of Support
8.6
1,574
9.2
1,470
Has the product been a good partner in doing business?
9.1
1,402
9.5
1,047
Product Direction (% positive)
9.1
1,691
9.7
1,678
Features by Category
Expense Reports
8.5
1023
|
Verified
9.1
905
8.7
1080
|
Verified
9.3
1050
8.2
1061
|
Verified
9.0
999
9.1
1156
|
Verified
9.6
1150
7.8
910
|
Verified
9.4
912
7.8
715
|
Verified
8.6
482
8.4
943
|
Verified
Feature Not Available
Agentic AI - Expense Management
6.4
118
7.5
48
7.1
119
8.2
48
Travel Management
7.5
776
Feature Not Available
6.7
632
8.1
462
6.5
613
Feature Not Available
6.9
688
8.5
504
Client Invoicing
Feature Not Available
Feature Not Available
7.9
884
|
Verified
Feature Not Available
7.8
793
|
Verified
Feature Not Available
Mobile
9.2
1110
|
Verified
9.6
1128
7.4
685
|
Verified
Feature Not Available
Feature Not Available
Feature Not Available
Platform
7.1
604
8.6
684
7.8
752
|
Verified
8.8
726
Administration
8.2
691
|
Verified
8.9
500
Administration
8.3
971
|
Verified
9.0
848
8.3
985
|
Verified
9.3
959
8.3
1030
|
Verified
9.4
1099
8.4
932
|
Verified
9.3
995
8.9
1129
|
Verified
9.4
1066
Platform
8.5
995
|
Verified
9.1
920
7.9
765
|
Verified
8.9
693
7.6
640
Feature Not Available
8.9
1053
|
Verified
9.5
1058
8.9
1018
|
Verified
9.0
737
Feature Not Available
Feature Not Available
Setup
8.1
705
9.0
665
8.7
762
9.3
815
8.5
627
9.2
468
Performance
7.6
551
Feature Not Available
7.6
556
Feature Not Available
7.4
558
8.2
458
7.6
588
8.8
588
Payment Cards
8.7
655
9.4
630
8.8
674
9.5
666
9.0
758
9.5
723
Reporting
8.9
745
9.5
719
8.7
653
9.2
607
8.7
699
9.1
588
8.6
780
Feature Not Available
Payments
8.4
670
9.2
575
8.6
669
9.2
597
7.6
608
9.2
649
7.9
624
9.2
571
Fraud & Risk Management
8.5
740
9.3
742
8.8
724
9.4
716
9.0
738
9.4
710
Agentic AI - Spend Management
5.7
58
7.6
56
Planning
Not enough data
9.1
37
Not enough data
8.0
36
Not enough data
8.5
36
Not enough data
8.2
34
Execution
Not enough data
8.2
35
Not enough data
8.8
37
Not enough data
8.0
34
Analytics
Not enough data
9.0
38
Not enough data
9.1
38
Not enough data
8.7
41
Agentic AI - Procure to Pay
Not enough data
7.6
9
Data Management
Not enough data
8.5
49
Not enough data
9.1
50
Not enough data
8.2
47
Not enough data
9.1
50
Not enough data
8.8
48
Agentic AI - Accounts Payable (AP) and Spend Analysis
Not enough data
7.6
18
Analytics
Not enough data
7.9
45
Not enough data
8.0
44
Not enough data
8.3
46
Not enough data
8.7
47
Recovery
Not enough data
9.0
47
Not enough data
8.1
43
AP Data Processing
Not enough data
9.0
47
Not enough data
9.1
47
Not enough data
9.3
46
Invoice Management
8.0
18
9.2
128
5.5
16
Feature Not Available
7.2
19
8.7
121
Invoice Processing
6.9
16
8.8
129
7.4
18
9.2
132
6.9
18
9.1
133
6.6
17
Feature Not Available
Analytics
6.7
18
9.0
128
5.4
16
Feature Not Available
5.7
16
Feature Not Available
Integration
8.9
19
9.1
134
8.2
16
Feature Not Available
6.3
16
8.6
120
Risk
5.9
16
Feature Not Available
6.7
17
Feature Not Available
5.4
15
Feature Not Available
Recovery
6.4
16
Feature Not Available
6.4
16
Feature Not Available
Audit
6.4
16
Feature Not Available
5.8
16
Feature Not Available
5.3
16
8.1
113
6.8
17
8.7
121
Fraud
6.5
17
Feature Not Available
7.0
16
Feature Not Available
6.8
16
Feature Not Available
Agentic AI - AP Automation
5.8
16
6.1
14
5.8
16
5.8
14
5.6
16
6.4
14
Expense Reporting
Not enough data
9.5
119
Not enough data
9.4
115
Not enough data
9.4
114
Not enough data
9.4
118
Travel Management
7.5
776
Feature Not Available
6.7
632
8.1
462
6.5
613
Feature Not Available
6.9
688
8.5
504
Approval
Not enough data
9.5
116
Not enough data
9.5
108
Not enough data
9.7
121
AI - Travel Management
Not enough data
8.0
39
Not enough data
8.0
39
Not enough data
8.3
39
Not enough data
8.8
39
Not enough data
8.8
39
Agentic AI - Travel Management
Not enough data
8.1
21
Not enough data
8.1
21
Purchase Requisition and Approval Workflow - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Supplier Management - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Spend Management - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Compliance and Risk Management - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Workflow Automation - Procurement Orchestration
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Not enough data
Agentic AI - Procurement Orchestration
Not enough data
Not enough data
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Agentic AI - Vendor Management
Not enough data
6.4
15
Revenue Recognition
Not enough data
8.6
72
Not enough data
7.1
68
Not enough data
7.3
68
Categories
Categories
Shared Categories
BILL Spend & Expense (Formerly Divvy) and Ramp are categorized as Expense Management, Spend Management, and AP Automation
Unique Categories
BILL Spend & Expense (Formerly Divvy) has no unique categories
Ramp is categorized as Accounts Payable (AP) and Spend Analysis, Procure to Pay, Travel Management, Vendor Management, and Procurement Orchestration
Reviews
Reviewers' Company Size
BILL Spend & Expense (Formerly Divvy)
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
Ramp
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
14.4%
Construction
8.8%
Accounting
7.7%
Religious Institutions
5.0%
Computer Software
4.1%
Other
59.9%
Computer Software
14.3%
Information Technology and Services
8.9%
Non-Profit Organization Management
6.8%
Financial Services
5.3%
Construction
4.6%
Other
60.1%
Discussions
Is divvy free?
2 Comments
GM
Yes, no signup or yearly fees. Great Business Credit Card, No Personal Guarantee just like CapitalOnTap.Read more
How does Divvy make money, if it's free?
1 Comment
MB
Per Divvy About or Blog, plus talks with Divvy people at recent QuickBooks QBConnect conference. Divvy keeps a share of credit card fees merchants pay. This...Read more
When can we expect a native iOS app? When can we see Microsoft identity integration?
3 Comments
NS
Hi Jason - Happy to share that our team is heads-down working on a beta release for iOS due in August. No plans for Microsoft SSO on the roadmap, but if...Read more
Ramp has no more discussions with answers
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