--- title: BILL Spend & Expense (Formerly Divvy) Reviews meta_title: 'BILL Spend & Expense (Formerly Divvy) Reviews 2026: Details, Pricing, & Features | G2' meta_description: Filter 2237 reviews by the users' company size, role or industry to find out how BILL Spend & Expense (Formerly Divvy) works for a business like yours. aggregate_rating: rating_value: 4.5 review_count: 2237 scale: '5' date_modified: '2026-08-13' parent_category: name: Travel & Expense url: https://www.g2.com/categories/travel-expense --- # BILL Spend & Expense (Formerly Divvy) Reviews **Vendor:** BILL (previously Bill.com) **Category:** [Expense Management Software](https://www.g2.com/categories/expense-management) **Average Rating:** 4.5/5.0 **Total Reviews:** 2,237 ## About BILL Spend & Expense (Formerly Divvy) BILL Spend & Expense is an expense management and spend tracking platform that enables businesses to control, automate, and gain real-time visibility into company spending through smart corporate cards and centralized expense management workflows. This expense management and corporate card software is designed for small to midsize businesses that want to simplify employee purchasing, enforce spending policies, and reduce manual reconciliation tasks. BILL Spend & Expense equips finance teams, controllers, and department managers with tools to issue corporate cards, monitor spending in real time, and streamline the process of submitting, reviewing, and approving expenses. Key features of BILL Spend & Expense include: - Instant corporate card issuance with customizable spending limits by user, team, or category - Real-time expense tracking with transaction-level visibility and automatic receipt matching - Policy enforcement and approvals built into the spend workflow to support compliance - Mobile and desktop access for employees to request funds, upload receipts, and categorize transactions - Accounting integration with systems like QuickBooks, Xero, and NetSuite to reduce reconciliation time BILL Spend & Expense helps companies proactively manage employee-initiated spending and reduce end-of-month surprises. With automated controls and flexible card issuance, businesses can empower teams to spend responsibly while maintaining clear oversight. The platform is often deployed alongside accounts payable automation tools to deliver a comprehensive view of both discretionary and non-discretionary spend. By combining corporate cards with expense management in one solution, BILL Spend & Expense allows finance leaders to better forecast spend, improve accountability, and close the books faster. ## BILL Spend & Expense (Formerly Divvy) Pros & Cons **What users like:** - Users appreciate the **ease of use** of BILL Spend & Expense, enjoying seamless tracking of expenses and receipts. (435 reviews) - Users appreciate the **user-friendly setup** of BILL Spend & Expense, enhancing efficiency and transparency in expense management. (224 reviews) - Users appreciate the **convenience** of BILL Spend & Expense, enjoying easy tracking and management of expenses for their business. (161 reviews) - Users praise the **easy setup** of BILL Spend & Expense, simplifying the transition to the platform effortlessly. (159 reviews) - Users appreciate the **time-saving features** of BILL Spend & Expense, simplifying receipt management and budget tracking. (158 reviews) - Users value the **flexibility of virtual cards** in managing employee expenses and enhancing financial control. (157 reviews) - Users appreciate the **quick and responsive customer support** from BILL, ensuring timely assistance with any issues. (140 reviews) - Efficiency (126 reviews) - Easy Upload (120 reviews) - Easy Integration (118 reviews) **What users dislike:** - Users face **integration issues** with BILL Spend & Expense, affecting functionality and complicating reimbursement processes. (89 reviews) - Users face **approval issues** that hinder transaction management and integration, complicating financial processes and oversight. (87 reviews) - Users experience **poor customer support** , lacking resources and manual features that complicate their management tasks. (61 reviews) - Users experience **syncing issues** with Bill S&E, particularly with new classes and locations from QBO, affecting functionality. (59 reviews) - Users find **budget management challenging** due to complex transactions and lack of intuitive guidance and resources. (55 reviews) - Users report an increase in **fraud issues** with BILL Spend & Expense cards, complicating financial management. (53 reviews) - Users express frustration with the **credit issues** in BILL, citing limited flexibility and tedious budgeting functionalities. (48 reviews) - Manual Entry (47 reviews) - Reimbursement Issues (46 reviews) - Inadequate Categorization (41 reviews) ## BILL Spend & Expense (Formerly Divvy) Reviews ### 1. Great way to offer your employees expense cards and control their budget **Rating:** 4.5/5.0 stars **Reviewed by:** Gregory H. | Principal and Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** November 13, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The fact we can offer each team member a card and control their spend. It gives them autonomy and allows for spending without always asking for approval. This is exactly why we love this card- as well as budgeting **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish you could carry over balances. It would help to be able to carry over some of the expenses to the next billing period. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Allowing each staff member to have a card to use for their expenses. **Official Response from Jenn J:** > Thank you for your exceptional review of our software, Gregory! We are delighted that you appreciate being able to offer each of your team members a card that you can control their spend on which gives them autonomy and it allows for expenses without having to always ask for approval. We have submitted a feature request for the option to carry over balances to the next billing period to our team. Your feedback is valuable to us, and we're always striving to improve our service. Please don't hesitate to reach out if you have any further suggestions. ### 2. Revolutionized Our Expense Management **Rating:** 5.0/5.0 stars **Reviewed by:** JC H. | Finance director, Small-Business (50 or fewer emp.) **Reviewed Date:** November 12, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the intuitiveness of BILL Spend & Expense, and the great customer service from the team. The great budgeting practices and best practices offered are really helpful, and it's just really easy to use. The system is easy to use with very little training required for new team members, which has improved the time it takes to do expense reports. The integration of using cards with the expense platform keeps everything in one place, making it very convenient. Initial setup was really easy for me, and I’d give it a nine out of 10. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Allocating large expenses to two separate billing departments or budgets is a little difficult right now. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to centralize our spend and expense management, reducing reliance on Excel and other less successful platforms. It combines card usage and expense reporting, making it easier and quicker to manage everything in one place. **Official Response from Jenn J:** > JC, thank you for your exceptional review of our software! We are thrilled that you find BILL Spend & Expense super intuitive and that we have great customer support. We appreciate you letting us know about needing a little more guidance and training on our product. We included a link to our BILL page with all our guides, including those for Spend & Expense. We appreciate all feedback, as we are always trying to improve our customer's experience with our software. ### 3. Easy to Use and Time-Saving, but Sync Setup Needs a Smoother Onboarding **Rating:** 3.5/5.0 stars **Reviewed by:** Elizabeth R. | OFFice management , Mid-Market (51-1000 emp.) **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I Like the concept, the ease of use, the time saving capabilities. I love how easy it was to onboard and that it can sync with our payroll software to continously add in new hires. I love how it works with netsuite so seamlessly. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** My downside is more about the onbboarding experience and not the Spend and expense side but the setup of everythign to sync over to my system. I need to do a call to get our sync and setup correct. I do not like the budget setup process its confusing and I just want to allow my employees to have a card with spend so this part is a bit time consuming. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Its solving our training, our submission of receipts and documentation. We were still on old school monthly excel spreadsheets. It was always a task to chase people down to submit their spreadsheets. ### 4. Free and Easy: Fast Setup, Simple Approvals, Smooth Transaction Reviews **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Architecture & Planning | Mid-Market (51-1000 emp.) **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The biggest benefit is that it’s a free platform. When I was researching credit card platforms for my organization, Divvy was one of the only no-cost options available. That alone gave our management the confidence to choose it over other platforms that charge per user. I also appreciate how straightforward Divvy makes transaction review and approval. Adding new users is simple, and training usually takes only 15–20 minutes. During onboarding, it was especially helpful that we could work with Divvy to implement custom fields that fit our needs. Having those fields sync directly to our accounting software was truly a game changer and SIGNIFICANTLY reduced our credit card reconciliation time. The Divvy app has made a big difference for us as well. Many of our cardholders are surveyors who may travel across the country and mostly have travel-related expenses. The app lets them upload receipts in real time, which has helped cut down on missing receipts. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Creating users is super easy, but I find budget creation and management difficult. Applying funds to new users or adjusting funds for existing cardholders can be glitchy at times, and it honestly doesn’t always let me make the changes I’m trying to make. On top of that, the rebranding has been difficult for my organization. We use Bill Payables & Receivables for our invoicing and for our contractor payments, and the Divvy integration has caused severe login errors for several of our users who have both a Divvy card and a Receivables account. This is something I’ve referenced in past help center cases. It’s also become much more confusing for people to clarify which Bill platform they’re referring to. It’s a lot to say Bill Payables & Receivables and Bill Spend & Expense, and it creates unnecessary confusion in conversations. We still just call them Bill.com and Divvy, and we’ll likely never change that. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We used to reconcile credit cards by downloading each user’s monthly transactions one by one, filtering them into an Excel template, and then sending them to cardholders to fill out manually. Having a platform that centralizes this entire process has been one of the most impactful improvements to my workflow. It also enables cardholders to proactively manage and review their own spending, which gives everyone clearer budget visibility. Many of our cardholders primarily use their cards for travel costs, and Divvy has allowed them to spend less time on administrative tasks. ### 5. Effortless Expense Tracking, But Overengineered for Small Teams **Rating:** 5.0/5.0 stars **Reviewed by:** Jennifer G. **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It's super user-friendly and very intuitive to use, making it really simple to set up. I just like that it connects everything together and also connects to our QuickBooks. The reimbursements are so much easier since nobody has to turn in a reimbursement form; they just submit it there, making it much more efficient and saving us time. I love being able to set up budgets on Divvy so that staff can track their expenses, which is also transparent since we can see it in real time rather than waiting for our accountants to send us financial statements. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** For us, because we're a small nonprofit organization, sometimes the BILL Spend & Expense setup is a little overengineered. Like, it has just almost too many features, but I can see why from a bigger company, that would be really nice. So maybe there could be two different levels or something that you choose. Like, we just need to create budgets and have people track their spending. We don't necessarily need to have parent budgets or groups or layers, sometimes it's you know, it's not one person can see the whole budget. There's just almost too much, and it took us a little, took us, like, a year to figure it all out. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Reimbursements are easier without forms, saving time. I love setting up budgets, tracking expenses in real-time, and the transparency it offers. ### 6. Efficient Expense Tracking with Smooth Quickbooks Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** December 21, 2023 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the ease of use with BILL Spend & Expense (Formerly Divvy). It's great that they keep improving their software, which leads to enhancements for the user. I appreciate being able to fix issues myself, like updating Expense Code names and Classes for Quickbooks, without needing customer service. I also find the added option to pull expenses by the Statement Date very helpful for reconciling. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I don't like that we cannot access the Vendor/Merchant from Quickbooks. It would save me a lot of time if it worked the same as Bill A/P when it comes to picking the vendor or merchant with whom the expense was made. The setup took some time. I thought the allocation of approved funds was tricky in connection with the budgets. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense helps us track credit card expenses and receipts, and imports data into QuickBooks. It's user-friendly with improvements that let me update expense codes and classes without support. The option to pull expenses by statement date aids in reconciliation. **Official Response from Spencer White:** > Thank you for your review of BILL Spend & Expense. We are glad to hear that the software and app work well for your Non-profit organization, as well as the ease of making changes in bulk. We apologize for the frustrations caused by duplicates made when syncing with Quickbooks. Please continue to provide us with your feedback as we use it when planning for the future of the app. ### 7. Streamlines Finance Processes Seamlessly **Rating:** 5.0/5.0 stars **Reviewed by:** Kristen P. | Finance Manager, Medical Practice, Mid-Market (51-1000 emp.) **Reviewed Date:** May 10, 2023 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I use BILL Spend & Expense (Formerly Divvy) for business expenses, finance tracking, and coding. I like its ease of use and how it simplifies finance processes. It streamlines the process and eliminates the need to follow up with individuals for receipts and transaction information. I find all features equally helpful. It also integrates with our financial software, Sage Intacct, seamlessly. The initial setup was very easy. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The interface with the budgets could be condensed more. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense for business expenses and finance tracking. It streamlines processes, eliminates the need to follow up for receipts, and simplifies finance tasks. **Official Response from Jenn J:** > Thank you, Kristen, for your five-star review of BILL Spend & Expense! We are delighted that our service has improved the accuracy of coding your receipts, that it's user-friendly for all of your non-technical staff, and that it has cut down on the number of missing receipts. We're sorry for the frustration that you are encountering with not being able to split a transaction between budgets. Your feedback is incredibly valuable to us, as it drives our ongoing efforts to improve the experience for all our customers. ### 8. Empowers Budget Control, But Needs Better Reporting and Rollover Options **Rating:** 4.5/5.0 stars **Reviewed by:** Sonia K. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** October 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I can control my business spending with the budgets I set up and assign staff to those budgets. My staff then have the flexibility to purchase what they need within their budget and view their balance and purchases in the app. From an administrative perspective, freezing accounts, editing budgets, and tracking receipts is so simple in the app. It saves me so much time. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I do not care for how the end of month statements are formatted. I much prefer something more streamlined with the ability to print different reports showing additional information, if needed. I also wish there was an option for unused portions of staff budgets to roll over to the next month or quarter, so long as there is enough available credit to do so. I currently have to go in and manually add the leftover, unused portion of their budgets every time they reset. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It is helping me manage my staff's spending and simplify the tracking. **Official Response from Jenn J:** > We appreciate your valuable insight into BILL Spend & Expense, Sonia! We're glad that you appreciate the level of control over business spending the platform provides, allowing you to set up and assign budgets to staff who then have the flexibility to purchase what they need and view their balance and purchases in the app. We're also thrilled that features like freezing accounts, editing budgets, and tracking receipts are so simple in the app and save you so much time. We have noted your thoughts on what needs to be improved: you do not care for the formatting of the end-of-month statements and would prefer something more streamlined with the ability to print different reports. Additionally, you wish there was an option for unused portions of staff budgets to automatically roll over to the next period, as manually resetting them is currently a time-consuming process. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software. ### 9. Easy-to-Use Expense System **Rating:** 5.0/5.0 stars **Reviewed by:** Emily M. | Business Administrator, Small-Business (50 or fewer emp.) **Reviewed Date:** October 17, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Great expense system for managing spending with employees. It is easy to use and to explain. As the Bookkeeper, it is great that it syncs with our QuickBooks online and has made for an easy transition. All of our employees use it, and it is easy to implement and use often. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Bill Spend continues to improve. I love the ease of reviewing transactions. But I would like to see better budget settings and a request to review from the spender. The budget is a bit restricted in terms of the settings. It would be nice to have a monthly option with a yearly limit, but they meet our needs for now. For transactions, I wish I could send a message about a completed correction and ask a question or seek clarification linked to the specific transaction. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Bill Spend has solved our expense tracking issues. Missed receipts and unexplained expenses are a thing of the past. **Official Response from Jenn J:** > Emily, we appreciate your awesome review of BILL Spend & Expense! We're excited to hear that you find our service easy to use and explain. Plus, you like that it syncs with QBO, making for an easy transition, and it has been easy to implement, getting used often. Thank you for letting us know about wanting better budget settings, and the option on transactions for request a review from the spender if questions or clarification needed. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions. ### 10. Easy Platform to Use to Mainstream Transactions **Rating:** 5.0/5.0 stars **Reviewed by:** Deanna T. | Finance & Compliance Manager, Mid-Market (51-1000 emp.) **Reviewed Date:** May 15, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Our company has been using Bill Spend & Expense (formerly Divvy) for about three years, and it has significantly improved our financial management. This platform has enhanced our awareness of spending patterns, and its detailed reporting features have been invaluable for planning and forecasting. One of the standout benefits is that individual departments can easily monitor their budgets, giving managers the ability to plan more effectively and ensure they stay within financial limits. This visibility has streamlined our budget management process and has been a key factor in our ability to project and achieve growth throughout the year. Overall, Bill Spend & Expense has been an excellent tool for maintaining financial discipline and supporting our company’s continued growth. We highly recommend it to other businesses looking to enhance their expense management and planning capabilities. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I would like to be able to have transactions split between budgets. Currently we have to do separate transactions to classify into separate budgets. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** They have added the ability to split the transactions within the catagory but not the budgets. **Official Response from Jenn J:** > Thank you, Deanna, for your amazing review of BILL Spend & Expense! We are delighted to hear that our software has improved your financial management and enhanced your awareness of spending patterns. The detailed reporting features have been crucial for your planning and forecasting. We also appreciate that your individual departments can monitor their budgets, allowing them to plan effectively and stay within their financial limits. This has streamlined your budget management process, enabling you to project and achieve growth throughout the year. Thank you for your suggestion regarding the ability to split transactions between budgets. We appreciate your feedback and will pass it along. We are always striving to improve our service, so please feel free to contact us with any additional suggestions. ### 11. Streamlines Expense Management with Ease **Rating:** 4.5/5.0 stars **Reviewed by:** Krystal T. | Senior Software Solutions Advisor, Small-Business (50 or fewer emp.) **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love how BILL Spend & Expense (Formerly Divvy) makes it easy to operate as a member user. The feature of automatic freeze and virtual card auto-coding is a gamechanger for me, as auto coding on virtual cards saves half the time for completing a transaction. It also eliminates manual processes like receipt capture and expense allocations, making reconciliations half the time. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I find the budget setup can be intricate and it's hard to differentiate between types of virtual cards and how to create them. Also, the way updates are rolled out is a bit frustrating, as we get no heads up. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense eliminates manual processes like receipt capture and expense allocations, cutting reconciliation time in half. Auto coding on virtual cards also saves time on transactions. ### 12. Effortless Expense Management with BILL **Rating:** 5.0/5.0 stars **Reviewed by:** Dayna T. **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love how our staff can easily snap a photo of their receipts offsite or forward email receipts directly to their BILL Spend & Expense account. The initial setup was very easy, and I appreciate how it allows a seamless experience for our employees to spend the funds they need and immediately report the reason for the expenditure. Even though it took us a while to figure out the budgeting piece, now that we are comfortable with it, it's a great product. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** It took us a while to figure out the budgeting piece, but now that we're comfortable it's a great product. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense allows seamless spending and immediate reporting for employees. Our staff loves capturing photos of receipts or forwarding email receipts directly, making it very convenient. ### 13. Intuitive with Superior Support **Rating:** 4.0/5.0 stars **Reviewed by:** Kaitlin C. **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that BILL Spend & Expense is very intuitive, which is essential because we use many systems and have faculty who aren't very tech-savvy, so it helps them be more independent in their work. Additionally, it has great customer service and the initial setup was very easy. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish I could 'add' money to budgets more easily and see a history of those changes. We often get donations for a class and I have to adjust the whole budget with no history instead of an option to 'add/subtract' from a budget. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense helps us manage individual class budgets and enables quick, easy reimbursements. Its intuitive design supports faculty in becoming more independent, even if they aren't tech-savvy. ### 14. Mostly Perfect **Rating:** 4.5/5.0 stars **Reviewed by:** Zach Z. | Finanace and Billing Manager, Non-Profit Organization Management, Mid-Market (51-1000 emp.) **Reviewed Date:** September 04, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Our end users love BILL S&E, and I've been very popular for implementing the switch from Concur to BILL. Our staff loves not having to do monthly reports, the immediacy of the ability to add receipts and allocate transactions, and the fact that they can then be done with that transaction and never think about it again. On the Admin side, I love the options for viewing transactions all together, something that was not available in our previous platform, and the ease of creating reports from BILL. Customer support being based on a call back system is nice so you don't have to wait on hold. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I'm not a huge fan of the Budget system for allocating spend, it doesn't work well for how we function, and it results in employees having way more spend available on their cards than we would like because they need to be able to spend across different internal departments, but the only way to get the approvals to line up correctly is through BILL's budget setup. Integrations via Automatic sync to Quickbooks has not worked well for us, doubling any transaction that is split. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL has helped us vastly decrease the turnaround time on getting spend pushed into our accounting system, which enables us to have end of month financials that reflect reality rather than being a month behind on our spend. **Official Response from Jenn J:** > Zach, thank you for your outstanding review of BILL Spend & Expense! We're happy to hear that your team appreciates not having to do monthly reports, being able to add receipts right away, being able to allocate transactions, and then being done with it. You love the options on the Admin side of being able to view all transactions together, the ease of creating reports, and that our support is based on a callback system, so that you don't have to wait on hold. We apologize that our budget system for spend allocation doesn't work with how you function, as it results in staff having way more spend on their cards than you want, and that integrations using the automatic sync with QuickBooks create duplicates of any transactions that are split. Please continue providing feedback, as we are always working hard to improve our software. ### 15. Great for Beginners, But Limited for Growth **Rating:** 4.0/5.0 stars **Reviewed by:** Miguel M. | Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** October 17, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I liked BILL Spend & Expense because it was free and easy to use. It started as a very innovative system and is great for small businesses. The setup process was super super easy. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The modules didn't talk to each other; to see the remaining balance in a group or budget, only credit card transactions were being reflected, but not the rest (AP and reimbursements). When syncing to QBO, we were not able to sync reimbursements. AP didn't sync either with QBO but credit cards did. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense is free and easy to use, great for small businesses initially, but its systems aren't unified, causing issues with modules not syncing, particularly with QBO. **Official Response from Jenn J:** > Thank you, Miguel, for sharing your detailed feedback with us. We're sorry to hear about your frustration and the challenges you've faced recently. We appreciate you highlighting what you used to like about our innovation and new features before the acquisition. We also clearly note your significant concerns regarding the lack of syncing for reimbursements and bill payments to QuickBooks Online, the inability to sync custom dimensions to SAGE Intacct after your migration, and your feeling that there's a lack of continued innovation in solving these fundamental issues. We have shared your feedback with our product team and have included a document link below that goes over how to manage Sage Intacct custom dimensions for Spend & Expense. Please continue providing feedback, as we are always working hard to improve our software. ### 16. Streamlined processes **Rating:** 5.0/5.0 stars **Reviewed by:** Caitlin W. | Managing Member, Small-Business (50 or fewer emp.) **Reviewed Date:** August 26, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Bill Spend and Expense allows you to create virtual cards that can be specific for one vendor, this has made monitoring expenses easier through setting a specific budget and catching unauthorized activity quicker. Our firm has also issued individual cards to our employees without impacting the employees credit and eliminating the need for reimbursements outside of mileage reimbursement. We have found just those two solutions (out of the many other solutions provided by Bill Spend and Expense) have saved our firm time and money! **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I can see one downside being the employee free to spend up to their budget, however, the budget is adjustable at any time and expenses can be monitored in real time. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Bill Spend and Expense solved our expense management through the availability of virtual cards that can be utilized for specific vendors. We are able to catch any fraudulent activity quickly as the cards are specific to a vendor and not used outside of that vendor. We are also able to monitor price increases by utilizing the budget feature for the cards, the price increases are brought to our attention in the month it occurs instead of during month or quarter close which allows us to adjust our software as needed. **Official Response from Jenn J:** > We want to express our thanks, Caitlin, for your spectacular review of BILL Spend & Expense! We're excited to hear that you enjoy the ability to create virtual cards that are specific to one vendor, which has made monitoring expenses easier by setting a specific budget and catching unauthorized activity quicker. Plus, you can issue individual cards to your team without impacting their credit, and also eliminating the need for reimbursements outside of mileage ones. You can absolutely adjust a budget at any time and monitor expenses in real-time to eliminate an employee from spending up to their budget when not needed. We encourage you to continue sharing your feedback, as we are always striving to improve our software. ### 17. Gamechanger **Rating:** 5.0/5.0 stars **Reviewed by:** Diana G. | Director of Operations, Small-Business (50 or fewer emp.) **Reviewed Date:** August 27, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** This software has been a gamechanger for our organization. We formerly used an excel spreadsheet to reconcile our credit card statements each month, with some cards having 30 charges that needed coding, receipts, descriptions, etc. With Bill S&E, we have saved so much time and energy we are now able to put into our actual jobs, and not accounting duties. The app, and the receipt-matcher is so smart and has not only increased compliance, but it has decreased errors, and the having to track teammates down to do fix errors or complete the reconcillication. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** There are not many things that I can think of for improvements, but I would say better training on the budget side of how to use the platform - we don't use this feature because we find it too complicated to learn. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** automating spending reconciliation and receipt uploads saves alot of time. **Official Response from Jenn J:** > Thank you, Diana, for your tremendous five-star rating of BILL Spend & Expense! We're delighted to hear that our software has saved you time and energy by allowing you to do your actual jobs and not accounting duties. Plus, our app and the receipt-matcher have been so smart, which has increased compliance as well as decreased errors, and you no longer need to track down teammates to fix errors or complete reconciliation. We appreciate your suggestion of better training on the budget side of how to use the platform. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions. ### 18. Efficient Expense Management with Helpful Mobile App **Rating:** 4.0/5.0 stars **Reviewed by:** Jim B. **Reviewed Date:** October 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I really appreciate the ease of use provided by BILL Spend & Expense's mobile app, which is incredibly useful. The feature allowing cardholders to request higher credit limits or request funding quickly streamlines processes significantly. I also find the functionality that enables users to code transactions to the correct account and add relevant receipt documentation particularly beneficial, making it easier for our accounting team. Additionally, being able to submit expenses via the app, despite not using it often for reimbursements, is a helpful feature to have available. The integration with QuickBooks provides an efficient experience, aiding in financial management. Moreover, the cash rebate feature was a considerable driving factor for choosing this platform, offering financial perks that enhance its value. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The process of setting limits and budgets isn't entirely intuitive. It's a little bit challenging to recognize where you are and what needs to be set up. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense simplifies management of church expenses and credit card bills, allowing individual management of card users, quick processing of funding requests, and easy expense coding, thus enhancing efficiency for our accounting team. **Official Response from Jenn J:** > Jim, thank you for sharing your positive experience and valuable feedback. We're grateful to hear that you appreciate the ease of use and usefulness of the mobile app, and that features like quick requests for higher credit limits or funding and the ability to code transactions and add receipts are significantly beneficial for your accounting team. Your mention of the helpfulness of submitting expenses via the app, the efficient integration with QuickBooks, and the appeal of the cash rebate feature is great to hear. We also note your area for improvement: you find the process of setting limits and budgets is not entirely intuitive and can be challenging to navigate in terms of recognizing what needs to be set up. Your insights are invaluable to us, and we encourage you to keep sharing your thoughts. ### 19. Efficient for Expense Management, Needs Flexible Budgeting **Rating:** 3.5/5.0 stars **Reviewed by:** Laura K. **Reviewed Date:** October 17, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the ease of creating users and new cards with BILL Spend & Expense (Formerly Divvy). It simplifies managing multiple workflows based on different budgets assigned to employees. Additionally, having the capability to include multiple approvers is a significant benefit. Divvy serves as the primary company credit card, facilitating easy issuance of cards to employees and set up of reimbursement accounts for those who travel infrequently. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I find the budgets setup to be a little confusing sometimes. Additionally, the credit limit system is frustrating because it doesn't allow for a revolving limit. When we make payments, the credit does not become available to us again, which means we can only spend a fixed amount each month even though we're making weekly payments. This is frustrating, especially when it comes to people's credit card limits as they can't spend more, even when we pay them down. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use the product as our primary company credit card, making it easy to issue cards to employees and set up reimbursement accounts for those who travel infrequently. **Official Response from Jenn J:** > We want to express our thanks, Laura, for your beneficial feedback on Spend & Expense! We're pleased that you like the ability to easily create users and new cards. Also, the ability to include multiple approvers has been a important benefit and you can easily issue cards to employees as well as set up accounts for reimbursements for the the ones who travel a lot. We apologize for any confusion you have incurred when setting budgets up and for all of the frustration you have encountered with the credit limit system and how it works. We appreciate all of your feedback, as we are always trying to enhance your experience with our software. ### 20. Super Easy to Use **Rating:** 5.0/5.0 stars **Reviewed by:** Emmanuel G. | Executive Pastor, Small-Business (50 or fewer emp.) **Reviewed Date:** January 29, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** How easy it is to use! I love the mobile function, and the ability to upload receipts! **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The amount of menus and pages to change a setting on a budget. I am an organization that uses multiple budgets, and some employees that need to crossover budgets. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It is solving the old method of keeping and turning in receipts. ### 21. Overall Positive Experience with Bill Spend & Expense **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Consumer Goods | Small-Business (50 or fewer emp.) **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Automated invoice reconciliation, an easy setup for budgets and digital cards, hassle-free implementation, and faster reimbursement. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** It’s difficult to link multiple budgets to a physical card, and the process isn’t very intuitive. Also, receipts sometimes aren’t recognized, which makes tracking expenses more frustrating than it should be. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** The most notable improvement is that we’ve cut bill processing time significantly—from a few hours to just a few seconds. It requires very limited human intervention. The time spent on reconciliation has been reduced not only within the accounting team, but across the entire corporate staff as well. ### 22. Easy Budget Creation for Projects and Operational Expenses **Rating:** 4.0/5.0 stars **Reviewed by:** Erin S. | Accounting Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that we can create budgets for our projects as well as our operational expenses. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I dislike that we can’t add more than one budget owner, which makes it harder to share responsibility and manage budgets collaboratively. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense helps us track project-related expenses, which makes it much easier to reconcile our project budgets. ### 23. Efficient Spend Management with Room for Integration Improvements **Rating:** 4.0/5.0 stars **Reviewed by:** Joshua R. **Reviewed Date:** October 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love how BILL Spend & Expense (Formerly Divvy) allows me to easily manage credit card usage for various company employees, streamlining the tracking and recording of expense transactions. The ability to create various budgets with auto rules is incredibly useful, making financial management more structured and efficient. The clean merchant names feature enhances clarity in expenditure reports, which aids in keeping records organized and comprehensible. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I haven't found an easy way to quickly integrate NetSuite with BILL Spend & Expense (Formerly Divvy), which has been a significant limitation for me. I feel that improvements are necessary in the area of clean merchant names, as well as the ability to assign preferred budget approvers and have more customization with organizing different budgets and categorizing spend. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use the product to easily manage company credit card usage, enabling efficient employee transactions and expense tracking. **Official Response from Jenn J:** > We appreciate your positive feedback, Joshua! We're thrilled you find the easy employee card management, budgets with auto-rules, and clean merchant names highly valuable. However, we acknowledge your significant difficulty with NetSuite integration and noted your key requests for refining clean merchant names, adding preferred budget approvers, and providing more customization for budget organization. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions. ### 24. Empowers Employee Spending, Accurate Grant Tracking—Budgeting Needs Tweaks **Rating:** 5.0/5.0 stars **Reviewed by:** Suzanne B. | CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** October 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Distributes spending power to my employees. Allows us to allocate budgets to individuals and groups. Allows us to add fields to allocate, track, approve, and then sync transactions to QBO. Has been a HUGE help in accurate expensing to our federal grants. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The budgeting function has a few quirks - can set end dates for a budget, but not a begin date. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We are a not-for-profit. This helps us put the ability to spend in hands of employees and streamlines that process. Allocates each expense to the right funding source and expense category. Requires a receipt, so no more chasing receipts. **Official Response from Jenn J:** > We want to express our thanks for your outstanding review of BILL Spend & Expense, Suzanne! We're happy to hear that the platform's ability to distribute spending power and allocate budgets to individuals and groups has been a huge help in accurate expensing for your federal grants. We also appreciate you noting how you can add fields to allocate, track, approve, and sync transactions to QBO. We acknowledge your feedback regarding the budgeting function's quirks, specifically that you can set an end date for a budget, but not a begin date. Your feedback is incredibly valuable to us, as it drives our ongoing efforts to improve the experience for all our customers. ### 25. Convenient Receipt Uploads, but Limited Admin and Manager Controls **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Medical Practice | Enterprise (> 1000 emp.) **Reviewed Date:** October 16, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** There is only a single credit card statement available. I appreciate that employees can upload receipts directly from their phones at the time of purchase. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** It is frustrating that there is no option to upload a document when dealing with invoices that have multiple split transactions. Setting up employees and having to go to multiple screen locations (employee, budget, etc) is cumbersome. Additionally, managers are limited in their ability to adjust employee allocations—they can only deny transactions rather than make necessary changes. As an administrator, I would find it very useful to be able to log into an employee's account to better understand what actions they are attempting to take. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** This app helps me save time when searching for receipts. I like that I can view my cards, transactions, and other activities all in one convenient place. **Official Response from Jenn J:** > Thank you for your valuable feedback on our software! We are glad that you enjoy having only one statement for credit cards and that your employees can upload receipts directly through the app at the time of purchase. We apologize for the frustration caused by not being able to upload documents that have multiple split transactions and having to go through multiple locations when setting up employees. Also, your managers are limited in the ability to adjust employee locations; they can only deny transactions rather than make changes as needed. We appreciate your idea of Admins having the ability to log into an employee's account to better understand what they are trying to do, and we have passed that on to our product team. We are always eager to hear what works well for you and how we can enhance your experience. ### 26. Seamless expense reporting **Rating:** 4.0/5.0 stars **Reviewed by:** Christian H. | CFO, Small-Business (50 or fewer emp.) **Reviewed Date:** August 26, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** As a leader in a construction company, it's hard to find software solutions that best fit our business. The ability to use custom fields and budgets helps us keep a handle on spending in the field, and makes it easy to hold spenders accountable for their transactions. We've been able to offload some of the admin responsibility for transaction reporting to the spenders, reducing overhead. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The only thing I don't like is that sometimes there are issues in spenders completing transactions when the month turns over and the budget availability resets. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It solves the delay on closing books for the month by not needing an admin person in the office to hunt down information on transactions. **Official Response from Jenn J:** > We want to express our gratitude, Christian, for your positive feedback on our software! We are delighted that Spend & Expense has given you the capability to control spending in the field by allowing you to use custom fields and budgets, which makes it easy to hold your spenders accountable for their transactions. Having the option to offload some of the admin responsibilities for transaction reporting to your spenders has reduced your overhead as well. We apologize for the trouble you have had with spenders completing transactions when the month turns over and the budget availability resets. We value all feedback, as it fuels our continuous journey to elevate our customers' experience with our software. ### 27. Good expense solution **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** November 05, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Can be used easily for a distributed team **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** In person customer support takes time to reach to. While the company believes that AI and its online help can resolve lots of queries, it is necessarily not easy to find answers to queries from live support. Also, the budget creation and management can be simplified. It is not very intuitive for an admin to set this up. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Team expense management and reimbursment managements. We issue corporate expense cards to our team **Official Response from Jenn J:** > Thank you for providing valuable feedback on Spend & Expense! We are glad to hear that you appreciate that our service can be used easily for a distributed team. We appreciate your thoughts on areas that need improvement including support delays as well as budget creation and management not being very intuitive and that it could be significantly simplified for administrators. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions. ### 28. Invaluable Spend Control and Virtual Cards That Simplify Funding **Rating:** 4.5/5.0 stars **Reviewed by:** Verified User in Construction | Mid-Market (51-1000 emp.) **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The ability to control spend is invaluable to any company! The virtual cards are another game changer, now you don't need to have a bunch of physical cards out there to track, any employee with a smart phone can receive the funding needed. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Only downside is the setup process, and that's only due to properly setting up budgets and mapping chart of accounts. Necessary evil **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Spend control and timely receipt capturing. ### 29. User-Friendly Platform with Room for Budget Management Improvement **Rating:** 4.0/5.0 stars **Reviewed by:** Harvest Home P. **Reviewed Date:** October 16, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I really appreciate the platform for its user-friendly dashboard, which makes navigating and managing expenses straightforward. I find it incredibly useful that receipts can be downloaded all at once, whether for individual employees or cardholders. The app provides valuable features such as the ability to add funds, manage different budgets, and use virtual cards, which greatly enhance our financial management processes. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I find the budget management in BILL Spend & Expense not particularly user-friendly. Adding funds and managing different budgets and balances can be confusing. Additionally, the categories seem a bit disorganized, which complicates the process. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I find the product streamlines expense management, making receipts easily downloadable per cardholder and providing a user-friendly dashboard. **Official Response from Jenn J:** > Thank you for your wonderful feedback on BILL Spend & Expense! We're happy to hear that you like our user-friendly dashboard and that you can download receipts all at once, from either individual employees or from cardholders. You also appreciate our app, which has many valuable features that greatly improve your financial management process. Our apologies for any challenges you have faced with our budget management not being user-friendly for you, as well as adding funds, and managing different budgets/balances can be confusing. Plus, for the complications caused by the categories being a little disorganized. Please continue providing feedback, as we are always working hard to improve our software. ### 30. Fast and Easy **Rating:** 5.0/5.0 stars **Reviewed by:** David A. | Business Administrator, Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It pairs with QuickBooks which makes reconciling expenses fast and easy. It also gives our employees real time budget updates so they always know where they stand. Corrections are easy to work through. The ability to freeze a lost card or in the instance of fraud is a nice option. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** When using the app, the user can change the budget being used, sometimes without them knowing they did it. This will cause all future expenses to come out of the incorrect budget without their knowledge. Part of this is an employee issue, but it would be nice to be able to set a default budget for those in multiple budgets. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We previously had multiple credit cards with multiple users. Our financial reports would run anywhere from 1-2 months late due to the time it would take to get the reports in, have employees complete their expense reports, have them returned to me and then I input the information into QB. This process has become real time and can be completed within a day after the end of the month. It also has given our department heads real time knowledge of expenses hitting their budgets. **Official Response from Jenn J:** > Thank you for your five-star review of BILL Spend & Expense, David! We love that our software has paired well with QuickBooks, allowing for fast and easy expense reconciliation. Your employees receive real-time budget updates, making corrections easy to handle. The ability to freeze a lost card or address instances of fraud has been a valuable option. We apologize for any frustration caused by users being able to adjust the budget when using the app, and appreciate the idea of being able to set a default budget for those with multiple budgets. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions. ### 31. Innovative corporate credit-card platform that ticks most boxes but annoys often **Rating:** 4.0/5.0 stars **Reviewed by:** Mark B. | Business Operations Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** May 16, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I really like creating virtual credit cards for specific vendors, with charge limits and even category limits. I like the ease of ordering physical cards for employees, and the relatively easy process to review transactions, upload receipts and categorize charges. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** It is unnecessarily difficult to adjust budgets for specific cards or users. I find I'm always hunting around to find what I want. Why can't I go directly from the card-specific page to the budget for that card? I like that I can limit a card to charges from a business category, but I have no way of knowing how a company might categorize itself. How about letting me limit the card to one vendor, or how about telling me the category based on the vendor name I supply? Generally, the interface is hard to work with, and needs to be more intuitive and streamlined. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Vendor cards mean the card is much safer because it can only be used to a specific dollar amount **Official Response from Jenn J:** > Thank you for your beneficial feedback on BILL Spend & Expense, Mark. We are glad that you enjoy the ability to create virtual cards for specific vendors with charge/category limits, the ease of ordering physical cards, and the relative ease of reviewing transactions, uploading receipts, and categorizing charges. We apologize for the challenges you have faced in adjusting budgets for specific cards or users, and for the lack of direct access from the card-specific page to its budget. While we appreciate your acknowledgment of the ability to limit charges by business category, we understand that you would like more clarity on how companies categorize themselves. Additionally, you have suggested the option to limit a card to a single vendor or to receive category suggestions based on provided vendor names. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions. ### 32. Effective Budget Management Tool with Room for Improvement **Rating:** 3.5/5.0 stars **Reviewed by:** Sydney T. **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like how BILL Spend & Expense allows our team to be accountable for their purchases and stay within budget. The setup was very easy, which made it simple to get started. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish that it was easier to split transactions between different budgets. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense helps us create budgets and track team spending, ensuring accountability and budget adherence. ### 33. Easy Employee Payments and Expense Tracking Made Simple **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It makes it really easy to send funds to employees and track expenses. Customer support is quick and very helpful. I like being able to have a different card for each vendor. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** A few things on the platform have issues, especially incongruences from mobile to desktop (like being able to search all budgets on the app, but unable to do that on desktop) **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We don't need to reimburse employees as often. Also builds morale through company spend allowances for lunches and activities. Vendor cards make software management easier and cleaner. ### 34. Great Mobile App for Reconciling, but Customer Support Needs Improvement **Rating:** 3.5/5.0 stars **Reviewed by:** Johann F. | Administrative/HR Director, Small-Business (50 or fewer emp.) **Reviewed Date:** October 16, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** mostly straightforward - mobile app is great for reconciling transactions - I also like the group and budget features - **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** lack of direct customer support - dread having to contact anyone - I wish I had more options to edit the groups and budgets more once they are established **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** providing employees the flexibility and independence to have a manageable and straightforward expense account **Official Response from Jenn J:** > We appreciate your valuable feedback on BILL Spend & Expense, Johann! We are pleased that our mobile app has been great for reconciling transactions, and that you enjoy the group and budget features. We apologize that you had difficulty getting help when needed from support, and appreciate you wanting more options to edit groups and budgets once they're built. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software. ### 35. Easier Expense Tracking with Strong Spend Controls and Audit Visibility **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Marketing and Advertising | Small-Business (50 or fewer emp.) **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Easier to track expenses, limit misuse, and audit activity. Can set spend limits, restrict categories (e.g., no alcohol), enforce receipt submission rules. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Budgets are a bit confusing. Wish the receipt images were better. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Helps manage and control employee expenses. ### 36. Efficient & Flexible for everyone **Rating:** 4.5/5.0 stars **Reviewed by:** Nora W. | Business Operations Director, Mid-Market (51-1000 emp.) **Reviewed Date:** May 16, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love that I can set the budget for a department and then let the heads know their budget and they then control the spending through the year. I can still see everything for security. If a need arises I can increase if necessary for a temporary time. I can customize their budget lines for them to choose so when I pull the spreadsheet I have expenses matched to their proper budget line. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I really wish the reimbursement side was working properly. We used to be able to approve and do direct deposit into their account on file. I also which you could split expenses across multiple budget lines. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It has streamlined the purhcased process greatly. The cash back is a nice perk. **Official Response from Jenn J:** > Nora, thank you for your wonderful review of BILL Spend & Expense! We are pleased to hear that you love the option to set a budget, inform your heads of their budget, which allows them to control the spending throughout the year, and if needed, it can be increased temporarily. Also, you are able to customize budget lines, allowing them to choose, so that your expenses match the proper budget lines when you pull the information. We apologize for the difficulty you have had with reimbursements, and appreciate your thought of being able to split expenses across multiple budget lines. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software. ### 37. Ease of Use **Rating:** 4.0/5.0 stars **Reviewed by:** Michelda J. | CEO, Mid-Market (51-1000 emp.) **Reviewed Date:** May 13, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I've been impressed with the use of Bill Spend in being able to manage and control employees access to debit and virtual cards. The website and app are simple to update any limits should an employee have a one-time expense. and its easy to stop or block access if there is suspected cyber issues. This makes reconciling accounts much easier as well. I use the system daily and have had very few issues. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The budget piece can be confusing and it takes a long time to actually receive a card. Training could be better and based on our set-up there could have been a better job of splitting expenses across various locations. That component seems limited. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** tracking spending and expenses across various disciplines. **Official Response from Jenn J:** > Thank you, Michelda, for your valuable feedback on BILL Spend & Expense! We are glad to hear that you appreciate having control over employees' access to debit and virtual cards. It's great that you find it simple to update limits and to stop or block access if there are suspected cyber issues. We are also pleased that our software has made account reconciliation easier for you. However, we apologize for any confusion regarding the budget feature, the time it takes to receive a physical card, and the need for improved training. We also recognize that splitting expenses across various locations could be improved. We value all feedback as we continuously strive to enhance our customers' experience with our software. ### 38. Happy customer for multiple years **Rating:** 5.0/5.0 stars **Reviewed by:** Josh A. | Chief Financial Officer, Mid-Market (51-1000 emp.) **Reviewed Date:** September 04, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love the clean and simple UI, backend admin, and budgeting process. This has helped automate our expense coding and sped up our month end close from 30+ days to 7 due to our high volume of credit card spending. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish it would allow for budgeting 12 months out at a time. Our business is seasonal, so having one set budget amount stagnant each month creates a good amount of management to go in and change each month. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It has automated the expense reporting process and helped make the close process efficient. **Official Response from Barb W:** > Josh, we appreciate your five-star review of BILL Spend & Expense! We are delighted to hear that you appreciate the clean and simple user interface, as well as the effectiveness of the backend admin and budgeting processes in meeting your business needs. It's great to know that our system has helped automate expense coding, making it faster for you to manage high volumes of card spending and expedite month-end processing. We also value your feedback regarding the desire to allow budgeting for up to 12 months in advance, especially given your business's seasonal nature. This adjustment would certainly help better meet your needs. Thank you for sharing your thoughts! We are always eager to hear what works well for you and how we can enhance your experience. ### 39. Easy to use **Rating:** 4.5/5.0 stars **Reviewed by:** Becca H. | Account Support Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Bill Spend is easy to use, setup was simple and being able to track spending has been so much better for us since switching. It takes half the time to reconcile the credit card bill as it did before. I also like being able to create virtual cards that you can preset to split into different classes automatically. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The app and software can be glitchy at times. This does not happen often but it does happen. I also don't like that you have to add money to each card in the budget. If I have a person that falls under more than one budget, I have to go in and assign money to each budget for them to be able to use their card, not just to their card. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Bill Spend is helping me be able to have more time to complete other things. Because I am not having to track down receipts and figure out who is making purcheses. This also allowed my coworkers to have to be more responsible in what they were spending, and tracking those expenses. **Official Response from Jenn J:** > Thank you, Becca, for your amazing BILL Spend & Expense review! We are thrilled that you find our software easy to set up and use, and that it has improved your spending tracking. We are also glad to hear that it cuts your reconciliation time in half for credit card bills and that you can create virtual cards to split into different classes automatically. We apologize for any trouble you have experienced with our app/software with glitches, and that it adds time to your processes with having to add money to each card in the budget. Please continue providing feedback, as we are always working hard to improve our software. Your feedback is valuable, and we are constantly working to enhance our software. ### 40. Great for Team Budget Management, But Needs Better Mass Update and Automation Features **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Religious Institutions | Small-Business (50 or fewer emp.) **Reviewed Date:** October 16, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The ability to manage spending for our 30 plus teams and assign budgets. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Limited options to mass update or change information in the system. The sort of confusion that can occur with budgets linked to the physical cards versus the virtual cards. I would love to setup automations to reset budgets to zero that have not been used in the assigned timeframe. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Makes disbursing funds easier. **Official Response from Jenn J:** > We wanted to express our thanks for your valuable insight into BILL Spend & Expense! We are happy that you appreciate having the ability to manage your spending for all of your teams and assign the budgets as well. We're sorry that you find there are limitations for mass updates or changing information in the system. Also, that confusion happens with budgets being linked to the physical cards vs the virtual ones. We appreciate your idea of having the ability to set up automations to reset your budgets if the money is not used in the timeframe provided. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software. ### 41. Intuitive UI and Effortless Usability **Rating:** 4.5/5.0 stars **Reviewed by:** Hans S. | Executive Assistant, Small-Business (50 or fewer emp.) **Reviewed Date:** October 17, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** UI and ease of usability makes it really easy to upload and submit reimbursements and receipts. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Budgets and card creation sometimes is laggy **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Collection of receipts **Official Response from Jenn J:** > Hans, thank you for your tremendous review of BILL Spend & Expense! We're happy that you like our UI, and with the ease of use it has made it easy to upload/submit reimbursements and receipts. Our apologies for any difficulty you have had with our budget and card creation section lagging occasionally. We appreciate all feedback, as we are always trying to enhance your experience with our software. ### 42. Excellent expense management system **Rating:** 4.5/5.0 stars **Reviewed by:** Sue T. | Bookkeeping Contractor, Small-Business (50 or fewer emp.) **Reviewed Date:** February 26, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Love that employees (card holders) can assign their charges to the correct accounts and that this syncs with QuickBooks! I also love all the various controls that the administrator can create to make the system run smoothly and also do a lot of the work for them. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish there were online manuals for clients to access rather than only training videos and the use of BILL chat or phone support. It would be great if all the articles about how the system works were in a manual. I also think it would be great if AP/AR can "talk" with Spend & Expense, so that checks written in AP/AR can be deducted from the budget balances in Spend & Expense. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Saves the manager and the bookkeeper time from having to both track down expense account codes and enter them into the accounting software. **Official Response from Jenn J:** > Thank you, Sue, for your beneficial feedback! We are pleased to hear that you enjoy your employees being able to assign their charges to the correct accounts and then it syncs to QuickBooks freeing up your time. We appreciate your suggestion of online manuals with how the system works for your clients instead of training videos and that AP/AR and S&E be able to talk with each other. We have passed this on to our product team. Please continue to provide your feedback as we value our user's suggestions when planning for the future of our software. ### 43. Reconciliation time has gone from 4 hours to 1 hour **Rating:** 4.5/5.0 stars **Reviewed by:** Jami M. | Finance & Operations, Small-Business (50 or fewer emp.) **Reviewed Date:** August 25, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Bill.com spend and expense has helped our organization streamline tedious processes and has allowed to have all information in one place **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Budgets can be a little confusing when creating virtual cards for monthly vs. yearly expenses **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We are able to streamline reconciliations and keep all receipts in one place. This product has helped us save time and remove tedious processes that we were doing in order to save our receipts for admin as well as our credit card users. **Official Response from Jenn J:** > Jami, we want to thank you for your wonderful review of BILL Spend & Expense! We love that our service has helped streamline tedious processes and allows you to have everything in one place. Our apologies for any confusion with your budgets when creating virtual cards for monthly versus yearly expenses. We are always eager to hear what works well for you and how we can enhance your experience. ### 44. Great Budget Management, But Needs Better Integration and Communication Features **Rating:** 4.0/5.0 stars **Reviewed by:** Verified User in Mental Health Care | Small-Business (50 or fewer emp.) **Reviewed Date:** October 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It is easy to review receipts and assign funds to employees. The budgets really make managing the spending for our programs easier. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Purchases made outside of Bill.com credit cards are very hard to have reflected on budgets. It also would be really great to be able to message managers (instead of just the purchaser) about transactions. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We used to manage budgets for programs in spreadsheets. Bill makes this much easier. **Official Response from Jenn J:** > Thank you for your beneficial feedback on BILL Spend & Expense! We love that you find it easy to review receipts, assign funds to your employees, and that the budget option makes managing your spending for your programs much easier. Our apologies for the trouble you have had with linking purchases made outside of BILL you your budgets. We appreciate your suggestion of having the ability to message managers about transactions instead of only being able to contact the purchaser. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions. ### 45. Great Corporate Platform **Rating:** 4.0/5.0 stars **Reviewed by:** Angela M. | Accounts Payable Coordinator, Mid-Market (51-1000 emp.) **Reviewed Date:** November 12, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that we are able to see transactions realtime, have transactions approved by managers, code based on budgets, set budget limits and that users are able to request funds through the app and require receipts. The implementation was easy and straightforward, the implementation consultant was great to work with. Our users also seem to really like the app and ability to use their phones to take pictures of receipts. We have also run into issues with cards being compromised and the ability to create a virtual card number has been a great help to continue our day to day workflow. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish there were a way to choose the fields that export when you are downloading transactions. I've also noticed that somehow users are still able to choose GL's in budgets that a GL is not active in. Seems that maybe they start in the incorrect budget, code the transaction, and then switch to the correct budget and the coding remains to what it was in the incorrect budget instead of resetting or not allowing those GL's/Depts to be chosen. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Previously we were not able to see our statements or our transactions until days later which delayed our close of the previous month, so it has been a tremendous help seeing transactions realtime. We also had problems with users not turning in receipts, but with Divvy we are able to require receipts before a transactions goes to their manager for review and that has been great. The app also shows the transaction immediately so it's easier for users to remember to take pictures. **Official Response from Jenn J:** > Thank you for your valued feedback on BILL Spend & Expense, Angela! We are so pleased to hear that you enjoy being able to see your transactions real-time, have them approved by managers, that codes are based on budgets, being able to set budget limits and that your cardholders are able to request funds through the app as well as require receipts. Also that your implementation was easy/straightforward with the consultant being great to work with and that the ability to create virtual cards has been a great help. We appreciate your input on the difficulty you have had with the GL's as well as wanting the option to choose the fields that export and have passed that on to our product team. Your feedback is valuable to us, and we're always striving to improve our service. Please don't hesitate to reach out if you have any further suggestions. ### 46. Great interface with a few flaws, needs work **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Computer Software | Mid-Market (51-1000 emp.) **Reviewed Date:** February 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The divvy cards allow the system to update very quickly **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The budgeting options are lack luster and leave much to be desired. Also groups don't allow custom budgets below, they all need to be set up under the same duration and other options. Also there is no feature to turn virtual cards off for people in the system that you only want submitting reimbursements. Automatic integration with Quickbooks for Reimbursements is a HUGE drawback. BILL constantly pushes credit cards on you if you want to use the reimbursement tool, it shows they are only in it for the money and neglect parts of the product that are "free". **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** NA **Official Response from Jenn J:** > Thank you for your valuable feedback on BILL Spend & Expense! We are glad you like the divvy cards, allowing the system to update quickly. We are sorry for any frustrations caused by the lack of budget options and automatic integration with QB for reimbursements and that you find the credit cards are pushed on you, with the free parts of our service being neglected. We appreciate your request to have the option to turn off virtual cards for the ones you want, only submitting reimbursements. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions. ### 47. New User but so far so great. **Rating:** 5.0/5.0 stars **Reviewed by:** William S. | Plant Controller, Mid-Market (51-1000 emp.) **Reviewed Date:** February 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** In our company, we mostly have sales people traveling and purchasing people using the cards for everyday purchases. The phone app has been great for the sales people. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** As an admin, some features are only available on the mobile app, such as requests for extra funds on a budget. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** The ease of coding expenses and uploading receipts. I don't have to do the executives expense reports. **Official Response from Jenn J:** > Thank you for your phenomenal review of BILL Spend & Expense, William! We are pleased to hear that our app has been great for your travelling sales people. We are sorry for any inconveniences caused by certain features only being available on the mobile app and will pass that on to our team. We appreciate all feedback, as we are always trying to improve our customer's experience with our software. ### 48. Simplify, empower and reward **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Media Production | Small-Business (50 or fewer emp.) **Reviewed Date:** November 13, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Bill simplified the expense process while adding accountability. It empowered the staff by providing each person with a card that requires them to fill out the information, so I just have to review it and make sure every expense is in the right category. No longer do they have to pay out of pocket, which is a benefit they and I love. The app makes it easy for them to be reimbursed for mileage. The vendor card ensures that all systems continue working regardless of staffing. And the points do add up; we're a small operation but still got $800 back in the first year. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Setup and management of budgets, categories and other information on the website can be a little tricky, but the customer service reps know their stuff and are good at walking through any issues. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Before using Bill, we paid a bookkeeper to manually pay mileage, receive emailed receipts from staff and make sure everything was in the right category. Bill allowed me to reduce the budget by thousands of dollars, give the staff a benefit, simplify our workflow and get money back just for doing what we're going to do anyway. **Official Response from Jenn J:** > Thank you for your five-star review of BILL Spend & Expense! We are delighted that BILL has simplified the expense process while adding accountability by empowering your staff with providing each of them with a card that they need to fill out the information on, making it so that the only thing you have to do is review it and make sure everything categorized properly. Also that the app makes it easy for them to get reimbursed without having to pay out of pocket first and that our reward program is paying off for your company. We also appreciate knowing that when help is needed, our customer service has assisted right away. We appreciate all feedback as we are always trying to improve our customer's experience with our software. ### 49. Great for staff spending **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** November 13, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** We have used this to replace having one office credit card. I like that staff are responsible for their own receipts and coding so that they are more aware of the financials for their departments. I also like that department supervisors and managers can have access to review and approve purchases so that they have full visibility of spending in their departments. The app has been very easy to train staff on and we haven't had any issues with usability. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish there was a way to turn the "budget" feature off. When an employee uses their card and gets a notification, I don't need it to say 'you have $99.487 left in your budget' because really they don't, that's just our card limit and I'm worried it could be misleading to some. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We had an office credit card that could be checked out and then all receipts fell to one administrative assistant to scan and record for accounting. Lost receipts were hard to track down and receipts for unlear items were hard to record correctly. This gives staff ownership and responsibility over their own recording and receipt tracking. **Official Response from Jenn J:** > Thank you for your five-star review of BILL Spend & Expense! We are pleased to hear that you enjoy that with our software your employees are responsible for their own receipts/coding which has created an added awareness of the financials for their department, that it has been easy to train staff on it and that the department supervisors/managers have access to review as well as approve purchases. We have passed on your idea of having a way to turn the budget feature off to our team. Please continue to provide your feedback as we value our user's suggestions when planning for the future of our software. ### 50. Simple and easy to use **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Religious Institutions | Small-Business (50 or fewer emp.) **Reviewed Date:** February 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** We love using BILL to track our credit card expenses. It's user friendly and nice to have all the transactions easily accessible. The BILL app has helped our staff track receipts in a much more timely manner than submitting paper receipts for each expense. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Cannot select default budget for each user. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Gathering receipts from employees much more efficiently and less papers to hang onto. **Official Response from Spencer White:** > Thank you for your five-star review of BILL Spend and Expense. We are thrilled to hear that you find our platform user-friendly and that you enjoy the ability to track all credit card expenses in one place. We are also pleased to know that the phone app has helped your employees stay on top of uploading and tracking receipts. We apologize for any difficulties caused by not being able to set a default budget for each user. We understand how this feature could be beneficial and will pass your request on to our product team to consider for future updates, as they continually seek ways to improve the software for our users. ## BILL Spend & Expense (Formerly Divvy) Discussions - [Divvy](https://www.g2.com/discussions/divvy) - 1 comment, 2 upvotes - [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 - [What’s the best thing to do if I’ve lost a receipt](https://www.g2.com/discussions/what-s-the-best-thing-to-do-if-i-ve-lost-a-receipt) - 1 comment, 1 upvote - [Will an option be available in the future to fund my personal account?](https://www.g2.com/discussions/50587-will-an-option-be-available-in-the-future-to-fund-my-personal-account) - 1 comment, 1 upvote - [Where can I find best practices for setup and use of Divvy?](https://www.g2.com/discussions/where-can-i-find-best-practices-for-setup-and-use-of-divvy) - 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[Yardi Voyager](https://www.g2.com/products/yardi-voyager/reviews) ## BILL Spend & Expense (Formerly Divvy) Features **Expense Reports** - Ease of Creating Expense Reports - Bank / Credit Card Integration - Smart Categorization - Digital Receipt Management - Employee Reimbursement - Currency Conversions - Corporate Card - Credit Card Management **Setup** - Data - Approvals - Alignment - Real-Time Data **Invoice Management** - Capture - Supplier Portal - Repository **Agentic AI - Accounting & Finance** - Autonomous Task Execution **Agentic AI - Expense Management** - Autonomous Task Execution - Cross-system Integration **Travel Management** - Ease of Booking - Itinerary Management - Trip Notifications - Advanced Integrations - Online Booking - Credit Card Management - Booking Management - User Management - Restriction Management - Reservations Management - Reimbursement Management - Vendor Management - Travel Management - Promotions Management - Workflow Management - Receipt Management - Supplier Management - Compliance Management - Policy Management - Invoice Management - Real-Time Notifications - Third-Party Integrations - Timesheet Management - Invoice Management - Reimbursement Management - Real-Time Notifications **Performance** - KPIs - Benchmarks - Forecasting - Savings **Invoice Processing** - Matching - Payments - Workflows - Tax Compliance - Recurring Payments **Analytics** - Due Dates - Benchmarking - KPIs **Payment Cards** - One-time Virtual - Recurring Virtual - Physical **Client Invoicing** - Electronic Payments - Project Accounting / Revenue Recognition - Biometric Recognition - Optical Character Recognition **Integration** - Accounting - Payment Integration - ERP - ERP integration **Reporting** - Real-Time Monitoring - Multiple Views - Data Import/Export - Budgets - Real-Time Updates - Real-Time Reporting - Real-Time Analytics **Generative AI - Expense Management** - Image-to-Text - Text Generation - Text Summarization **Additional Functionality** - Audit Trail - Secure Data Storage - AI Copilot - Approval Process Control - Data Import/Export - Duplicate Detection - Expense Claims - Budgeting/Forecasting - Customizable Fields - Spend Control - Customizable Templates - Access Controls/Permissions - Reporting & Statistics - Automated Receipt Matching - Mobile Receipt Upload - Billable & Non-Billable Hours - Financial Analysis - Categorization/Grouping - Single Sign On - Activity Dashboard **Payments** - Vendor - Recurring - Employee Reimbursements - ACH - Reimbursement Management **Mobile** - Receipt Capture - Mileage Tracking - Expense Tracking - Real-Time Updates **Platform** - Embedded AI / Machine Learning - Complex Approval Workflow - Generative AI **Fraud & Risk Management** - Notifications - Unique Cards - Controls - Budget Control - Approval Process Control - Spend Control - Prepaid Cards **Administration** - PCI Regulation Compliant **Agentic AI - Spend Management** - Proactive Assistance **Additional Functionality** - Reminders - Activity Tracking - Invoice Processing - Accounting Integration - Categorization/Grouping - Reporting & Statistics - Configurable Workflow - Spend Analysis - Expense Tracking - Third-Party Integrations - Accounting - Audit Management - Approval Workflow - AI Copilot - Supplier Management - Invoice Management - Billing & Invoicing - Transaction History - Purchase Order Management - Audit Trail - Generative AI - Expense Claims - Workflow Management - Time & Expense Tracking - Multi-Currency - Vendor Management - Procurement Management - Credit Card Management - Compliance Management - Requisition Management - Customizable Reports - Ad hoc Reporting - Financial Management - API - Rules-Based Workflow - Receipt Management - Activity Dashboard - Purchasing & Receiving **Administration** - Business Tool Integration - Workflow - Automated Reminders - Policy Compliance Management - User, Role, and Access Management - Timesheet Management - Payroll Management - Employee Management - Invoice Management - Calendar Management - Workflow Management - Task Management - Mobile Access - Mobile Access - Workflow Management - Compliance Management **Platform** - Reporting - APIs / Integration - Internationalization - Performance and Reliability - Mobile User Support - Accounting Integration - QuickBooks Integration - Real-Time Reporting - Third-Party Integrations - Payroll Integration - Accounting Integration **Risk** - Analysis - Identification - Scoring **Recovery** - Recoup - Reporting **Audit** - Filters - Post Audits - Overpayments - Duplicates **Fraud** - Vendor Checks - Data Generation - Monitoring **Agentic AI - AP Automation** - Autonomous Task Execution - Proactive Assistance - Decision Making **Additional Functionality** - Data Import/Export - Invoice Management - Online Banking - 1099 Preparation - Generative AI - Receipt Management - AI Copilot - Fraud Detection - Duplicate Payment Alert - Document Management - Compliance Management - Inventory Management - Check Writing - Mobile Access - Audit Trail - 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