BILL Spend & Expense (Formerly Divvy)
Spend management software
Accounts payable automation software
Expense management software
Travel & expense software
Procurement software
Accounting & finance software
Expense billing software
General contractors software
Job management software
Receipt design software
Receipt generating software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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What is BILL Spend & Expense (Formerly Divvy)
BILL Spend & Expense (formerly Divvy) is a spend management and expense platform that combines corporate cards, configurable spend controls, and expense capture to help organizations manage employee purchases and reimbursements. It is used by finance teams to issue cards, set budgets by team/project, collect receipts, and sync transactions to accounting systems. The product emphasizes real-time card controls and automated expense categorization to reduce manual expense reporting and month-end reconciliation effort.
Real-time card spend controls
The platform supports issuing physical and virtual cards with configurable budgets and policy controls at the card, user, or team level. Transactions can be reviewed as they occur, which helps finance teams intervene earlier than end-of-month expense audits. This approach is well-suited to organizations that want to shift spend control upstream rather than relying primarily on reimbursement workflows.
Integrated expense capture workflow
Employees can attach receipts to card transactions and submit expenses with less manual entry than traditional expense reports. Finance teams can review, approve, and code spend with supporting documentation in one workflow. This reduces time spent matching receipts to transactions and improves audit readiness compared with email- and spreadsheet-based processes.
Accounting and AP ecosystem fit
As part of BILL, the product aligns with broader payables and finance workflows, including syncing spend data into accounting systems and supporting downstream reconciliation. This can reduce duplicate vendor/GL maintenance and improve continuity between card spend, expense coding, and payment operations. Organizations already using BILL for payables may benefit from a more unified vendor and finance operations stack.
Not a full procurement suite
While it supports spend controls and basic approval workflows, it is not designed as an end-to-end source-to-pay platform with deep sourcing, contract lifecycle management, and complex supplier onboarding. Organizations with formal procurement processes may still need separate tools for RFx, supplier risk, and contract governance. This can create process gaps for enterprises with centralized procurement requirements.
Complex global requirements vary
Multinational organizations may require advanced capabilities such as multi-entity tax handling, localized compliance, and region-specific card and reimbursement rules. Coverage for these needs depends on the customer’s operating countries and accounting requirements. Companies with extensive international operations should validate country support, currency handling, and policy enforcement depth during evaluation.
Limited job-costing specialization
Although spend can be tagged to departments or projects, the product is not purpose-built for construction job management or contractor-specific workflows. Firms that need detailed job costing, field time capture, change order management, or progress billing typically require dedicated construction/job management systems. This limits suitability for organizations expecting the tool to serve as a primary job management platform.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| BILL Spend & Expense (formerly Divvy) | $0 per account / free | Core spend & expense software (unlimited physical & virtual BILL Divvy corporate cards, budgets & proactive spend controls, automated expense reporting & receipt matching, mobile app, accounting integrations, access to business credit lines subject to approval). |
| Team | $65 per user/month (as listed) | AP & AR controls, automatic 2-way sync with leading accounting software, automate approval workflows, W-9 collection, expense management and spend management features. |
| Corporate | $89 per user/month (as listed) | Additional customization for AP/AR/Procurement, 2-way sync, procurement features (POs, 2-way matching), unlimited document storage, custom roles and approval policies. |
| BILL AP & AR Partner | $49 per month (as listed) | Wholesale client subscription pricing for accountants; access to both BILL Accounts Payable and Accounts Receivable; client-volume discounts available. |
| BILL Spend & Expense Partner | $0 (Free-to-use for partners and their clients) | Partner program access: BILL Spend & Expense available to partners and clients with no contract or hidden fees; API and developer resources. |
| Enterprise | Custom pricing | Enhanced security, multi-entity/multi-location accounting, SSO, API access, priority support — contact BILL for pricing. |
Seller details
BILL Holdings, Inc.
San Jose, CA, USA
2006
Public
https://www.bill.com/
https://x.com/bill
https://www.linkedin.com/company/bill/
