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Compare BILL Spend & Expense (Formerly Divvy) and SAP Concur 
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BILL Spend & Expense (Formerly Divvy)
Optimized for quick response
At a Glance
Market Segments
Small-Business (65.4% of reviews)
Enterprise (54.0% of reviews)
Entry-Level Pricing
$0.00
$9/report average price*
BILL Spend & Expense (Formerly Divvy)
Star Rating
(1,934)4.5 out of 5
Market Segments
Small-Business (65.4% of reviews)
Pros & Cons
Entry-Level Pricing
$0.00
Learn more about BILL Spend & Expense (Formerly Divvy)SAP Concur
Star Rating
(6,589)4.0 out of 5
Market Segments
Enterprise (54.0% of reviews)
Pros & Cons
Entry-Level Pricing
$9/report average price*
Free Trial is available
Browse all 3 pricing plansSummary
AI Generated Summary
AI-generated. Powered by real user reviews.
- Users report that while both SAP Concur and BILL Spend & Expense offer solid expense report creation features, SAP Concur shines with its advanced Capture functionality, scoring 9.2 compared to BILL's 7.7. Reviewers mention that this feature allows for seamless receipt uploads and tracking, making it easier to manage expenses.
- Reviewers mention that BILL Spend & Expense excels in Ease of Use, scoring 9.1 versus SAP Concur's 8.0. Users on G2 appreciate the intuitive interface and straightforward navigation, which significantly reduces the learning curve for new users.
- Users say that SAP Concur's Digital Receipt Management feature is highly praised, scoring 8.5, while BILL Spend & Expense outperforms with a score of 9.1. Reviewers highlight the efficiency of managing digital receipts in BILL, making it easier to keep track of expenses on the go.
- G2 users report that SAP Concur provides robust Accounting capabilities, scoring 9.3, which is higher than BILL's 8.8. Reviewers mention that this feature integrates well with existing accounting systems, making it a preferred choice for larger enterprises.
- Users on G2 highlight that while both products offer Quality of Support, SAP Concur's score of 8.0 is slightly lower than BILL's 8.6. Reviewers mention that BILL's support team is more responsive and helpful, particularly for small businesses needing quick assistance.
- Reviewers mention that SAP Concur's Product Direction score of 7.2 indicates some concerns about future updates, while BILL Spend & Expense scores a strong 9.1. Users report that they feel more confident in BILL's commitment to evolving its features based on user feedback.
Pricing
Entry-Level Pricing
BILL Spend & Expense (Formerly Divvy)
BILL Divvy Card
$0.00
This solution is tied to our traditional unsecured line of credit.
- Access credit lines from $1,000-$5M
- Get as many physical and virtual cards as you need
- Access budgets with proactive spend controls
SAP Concur
Automate
$9
/report average price*
Automate spending processes for more visibility and control.
- Automated expense reporting and receipt capture
- Customizable spending policies
- Dashboard reporting for visibility
Free Trial
BILL Spend & Expense (Formerly Divvy)
Free Trial is available
SAP Concur
Free Trial is available
Ratings
Meets Requirements
9.0
1,676
8.7
5,767
Ease of Use
9.1
1,716
8.0
5,815
Ease of Setup
8.8
1,443
8.2
1,222
Ease of Admin
9.0
1,410
8.0
829
Quality of Support
8.6
1,568
8.1
4,208
Has the product been a good partner in doing business?
9.1
1,396
8.1
811
Product Direction (% positive)
9.1
1,685
7.3
5,664
Features by Category
Expense Reports
8.5
1023
|
Verified
8.5
4374
|
Verified
8.7
1080
|
Verified
8.6
3576
|
Verified
8.2
1061
|
Verified
8.0
3514
|
Verified
9.1
1156
|
Verified
8.5
4197
|
Verified
7.8
910
|
Verified
8.8
4155
|
Verified
7.8
715
|
Verified
8.5
2134
|
Verified
8.4
941
|
Verified
8.6
2905
|
Verified
Agentic AI - Expense Management
6.4
118
8.6
146
7.1
119
8.7
145
Travel Management
7.5
776
8.2
3392
|
Verified
6.7
632
8.3
3252
|
Verified
6.5
613
8.5
3206
|
Verified
6.9
688
8.3
2414
|
Verified
Client Invoicing
Feature Not Available
8.3
1611
|
Verified
7.9
884
|
Verified
8.5
1780
|
Verified
7.8
793
|
Verified
8.4
1422
|
Verified
Mobile
9.2
1110
|
Verified
8.8
3667
|
Verified
7.4
685
|
Verified
8.6
2503
|
Verified
Feature Not Available
8.6
2739
|
Verified
Platform
7.1
604
8.0
738
|
Verified
7.8
751
|
Verified
8.2
2114
|
Verified
Administration
8.2
691
|
Verified
8.4
1217
|
Verified
Administration
8.3
970
|
Verified
8.4
1409
|
Verified
8.3
984
|
Verified
8.4
1594
|
Verified
8.3
1030
|
Verified
8.5
1640
|
Verified
8.4
931
|
Verified
8.5
1494
|
Verified
8.9
1129
|
Verified
8.6
1620
|
Verified
Platform
8.5
994
|
Verified
8.4
1714
|
Verified
7.9
765
|
Verified
8.2
1203
|
Verified
7.6
640
8.4
1174
|
Verified
8.9
1053
|
Verified
8.5
1904
|
Verified
8.9
1018
|
Verified
8.4
1650
|
Verified
Feature Not Available
Feature Not Available
Setup
8.1
705
Not enough data
8.7
762
Not enough data
8.5
626
Not enough data
Performance
7.6
551
Not enough data
7.6
556
Not enough data
7.4
558
Not enough data
7.6
588
Not enough data
Payment Cards
8.7
655
Not enough data
8.8
674
Not enough data
9.0
757
Not enough data
Reporting
8.9
745
Not enough data
8.7
653
Not enough data
8.7
698
Not enough data
8.6
780
Not enough data
Payments
8.4
670
Not enough data
8.6
669
Not enough data
7.6
608
Not enough data
7.9
624
Not enough data
Fraud & Risk Management
8.5
740
Not enough data
8.8
724
Not enough data
9.0
738
Not enough data
Agentic AI - Spend Management
5.7
58
Not enough data
Invoice Management
7.8
17
9.2
113
5.5
16
Feature Not Available
7.0
18
9.2
108
Invoice Processing
6.9
16
9.3
107
7.3
17
9.2
111
6.8
17
9.4
113
6.6
17
9.3
107
Analytics
6.7
18
9.3
113
5.4
16
Feature Not Available
5.7
16
9.2
107
Integration
8.8
17
9.3
115
8.2
16
9.3
111
6.3
16
9.2
113
Risk
5.9
16
Feature Not Available
6.7
17
Feature Not Available
5.4
15
Feature Not Available
Recovery
6.4
16
9.0
108
6.4
16
9.2
111
Audit
6.4
16
9.2
107
5.8
16
Feature Not Available
5.3
16
9.1
106
6.8
17
9.3
111
Fraud
6.5
17
9.1
106
7.0
16
9.1
111
6.8
16
9.3
109
Agentic AI - AP Automation
5.8
16
9.4
30
5.8
16
9.4
30
5.6
16
9.5
30
Invoice Generation
Not enough data
8.7
376
|
Verified
Not enough data
8.9
392
|
Verified
Not enough data
8.8
362
|
Verified
Invoice Processing
Not enough data
9.0
443
|
Verified
Not enough data
Feature Not Available
Not enough data
Feature Not Available
Not enough data
9.0
234
|
Verified
Analytics
Not enough data
Feature Not Available
Not enough data
8.7
335
|
Verified
Not enough data
8.8
306
|
Verified
Not enough data
9.1
236
|
Verified
Integration
Not enough data
8.9
364
|
Verified
Not enough data
Feature Not Available
Not enough data
8.8
334
|
Verified
Not enough data
8.9
219
|
Verified
Agentic AI - Invoice Management
Not enough data
8.8
53
Not enough data
8.9
53
Not enough data
8.9
53
Expense Reporting
Not enough data
8.9
413
|
Verified
Not enough data
8.5
368
|
Verified
Not enough data
8.9
388
|
Verified
Not enough data
8.7
402
|
Verified
Travel Management
7.5
776
8.2
3392
|
Verified
6.7
632
8.3
3252
|
Verified
6.5
613
8.5
3206
|
Verified
6.9
688
8.3
2414
|
Verified
Approval
Not enough data
8.9
400
|
Verified
Not enough data
8.9
396
|
Verified
Not enough data
9.2
427
|
Verified
AI - Travel Management
Not enough data
8.2
110
Not enough data
8.2
109
Not enough data
8.3
111
Not enough data
8.3
110
Not enough data
8.4
110
Agentic AI - Travel Management
Not enough data
8.3
62
Not enough data
8.2
62
Agentic AI - Accounting & Finance
Not enough data
Not enough data
Categories
Categories
Shared Categories
BILL Spend & Expense (Formerly Divvy) and SAP Concur are categorized as Expense Management and AP Automation
Unique Categories
BILL Spend & Expense (Formerly Divvy) is categorized as Spend Management
SAP Concur is categorized as Invoice Management and Travel Management
Reviews
Reviewers' Company Size
BILL Spend & Expense (Formerly Divvy)
Small-Business(50 or fewer emp.)
Mid-Market(51-1000 emp.)
Enterprise(> 1000 emp.)
SAP Concur
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
7.6%
Religious Institutions
5.1%
Computer Software
4.1%
Other
60.0%
Information Technology and Services
8.3%
Computer Software
6.7%
Hospital & Health Care
5.6%
Higher Education
4.4%
Financial Services
4.1%
Other
70.9%
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
Is it now possible to book trains?
8 Comments
MA
Yes, you can book trains. From my experience, Via rail in Canada.Read more
What is SAP Concur used for?
3 Comments
JM
Concur is used for logging and submitting expenses, travel, mileage, etc.Read more
What's the best way to export all your expenses? Is that even something you can do?
2 Comments
JR
You should be able to select all and then submit them all to a report. Read more
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