# BILL Spend & Expense (Formerly Divvy) vs Emburse Nexonia Comparison --- ## AI Generated Summary - **G2 reviewers report** that BILL Spend & Expense (Formerly Divvy) excels in user satisfaction, boasting a significantly higher G2 Score compared to Emburse Nexonia. Users appreciate its seamless integration with various vendor portals, which enhances visibility into expenses and payables. - **Users say** that Emburse Nexonia stands out for its simplicity and ease of use, making expense reporting less error-prone. Reviewers highlight its straightforward interface and mobile app, which allows for quick expense submissions on the go, a feature that many find invaluable. - **According to verified reviews** , BILL Spend & Expense (Formerly Divvy) offers robust budgeting features that allow employees to have different spending permissions. This flexibility helps organizations maintain control over expenses while providing employees with the autonomy they need. - **Reviewers mention** that while Emburse Nexonia is praised for its ease of integration with accounting software, some users feel it lacks advanced features that could enhance its functionality. However, its straightforward approach is appreciated by those who prefer a less cluttered experience. - **Users highlight** that BILL Spend & Expense (Formerly Divvy) provides a virtual card platform that simplifies bill payments and expense tracking. This feature is particularly beneficial for businesses looking to streamline their financial processes and maintain oversight of employee spending. - **G2 reviewers note** that Emburse Nexonia's strong employee reimbursement capabilities are a significant advantage, with users reporting high satisfaction in this area. However, they also mention that the overall user experience may not be as polished as that of BILL Spend & Expense (Formerly Divvy), which has a more extensive feature set. | | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Star Rating** | 4.5 out of 5 | 4.3 out of 5 | | **Total Reviews** | 2,105 | 489 | | **Largest Market Segment** | Small-Business (65.1% of reviews) | Mid-Market (59.5% of reviews) | | **Entry Level Price** | $0.00 1 user Per Month | No pricing available | --- ## Top Pros & Cons ### BILL Spend & Expense (Formerly Divvy) Pros: - Ease of Use (435 reviews) - Expense Management (224 reviews) Cons: - Integration Issues (89 reviews) - Approval Issues (87 reviews) ### Emburse Nexonia Pros: - Ease of Use (4 reviews) - Easy Integration (3 reviews) Cons: - Currency Issues (3 reviews) - Poor Customer Support (3 reviews) --- ## Ratings Comparison | Rating | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Meets Requirements** | 9.0 (1765 reviews) | 8.8 (422 reviews) | | **Ease of Use** | 9.1 (1808 reviews) | 8.7 (428 reviews) | | **Ease of Setup** | 8.8 (1530 reviews) | 7.9 (202 reviews) | | **Ease of Admin** | 8.9 (1472 reviews) | 8.4 (202 reviews) | | **Quality of Support** | 8.6 (1649 reviews) | 8.8 (355 reviews) | | **Has the product been a good partner in doing business?** | 9.1 (1457 reviews) | 8.9 (197 reviews) | | **Product Direction (% positive)** | 9.1 (1775 reviews) | 8.5 (418 reviews) | --- ## Pricing ### BILL Spend & Expense (Formerly Divvy) #### Entry-Level Pricing Plan: Spend & Expense Price: $0.00 1 user Per Month Description: Access credit lines from $1,000-$5M. Easily request funds, set budgets, and track spend using free software combined with corporate cards. Key Features: - Get as many physical and virtual cards as you need - Access budgets with proactive spend controls - Set up automated expense mangement [Learn more about BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) #### Free Trial Yes ### Emburse Nexonia #### Entry-Level Pricing No pricing available #### Free Trial No information available --- ## Features Comparison By Category ### Expense Management | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 8.0/10 | 1370 | | **Emburse Nexonia** | 8.7/10 | 376 | #### Expense Reports | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Ease of Creating Expense Reports** | 8.5 (1045 reviews) ✓ Verified | 8.9 (353 reviews) ✓ Verified | | **Bank / Credit Card Integration** | 8.7 (1086 reviews) ✓ Verified | 8.3 (234 reviews) ✓ Verified | | **Smart Categorization** | 8.3 (1070 reviews) ✓ Verified | 8.1 (241 reviews) ✓ Verified | | **Digital Receipt Management** | 9.1 (1192 reviews) ✓ Verified | 8.7 (317 reviews) ✓ Verified | | **Employee Reimbursement** | 7.8 (921 reviews) ✓ Verified | 9.2 (293 reviews) ✓ Verified | | **Currency Conversions** | 7.8 (717 reviews) ✓ Verified | 8.5 (152 reviews) | | **Credit Card Integration** | 8.4 (960 reviews) ✓ Verified | 8.4 (118 reviews) ✓ Verified | #### Agentic AI - Expense Management | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Autonomous Task Execution** | 6.5 (119 reviews) | Not enough data | | **Cross-system Integration** | 7.1 (122 reviews) | Not enough data | #### Travel Management | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Ease of Booking** | 7.5 (778 reviews) | 9.1 (55 reviews) | | **Itinerary Management** | 6.7 (634 reviews) | 9.1 (30 reviews) | | **Trip Notifications** | 6.5 (615 reviews) | 8.9 (29 reviews) | | **Advanced Integrations** | 6.9 (690 reviews) | 8.6 (39 reviews) ✓ Verified | #### Client Invoicing | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Electronic Payments** | 7.9 (887 reviews) ✓ Verified | Feature Not Available | | **Project Accounting / Revenue Recognition** | 7.8 (794 reviews) ✓ Verified | 8.7 (82 reviews) ✓ Verified | #### Generative AI - Expense Management | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Image-to-Text** | Not enough data | Not enough data | | **Text Generation** | Not enough data | Not enough data | | **Text Summarization** | Not enough data | Not enough data | #### Mobile | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Receipt Capture** | 9.2 (1123 reviews) ✓ Verified | 8.9 (295 reviews) ✓ Verified | | **Mileage Tracking** | 7.4 (691 reviews) ✓ Verified | 8.9 (192 reviews) ✓ Verified | #### Platform | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Embedded AI / Machine Learning** | 7.1 (605 reviews) | 7.7 (16 reviews) | | **Complex Approval Workflow** | 7.8 (754 reviews) ✓ Verified | 8.8 (119 reviews) ✓ Verified | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **PCI Regulation Compliant** | 8.2 (690 reviews) ✓ Verified | 8.8 (51 reviews) ✓ Verified | #### Administration | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Business Tool Integration** | 8.3 (1001 reviews) ✓ Verified | 8.7 (184 reviews) ✓ Verified | | **Workflow** | 8.3 (1000 reviews) ✓ Verified | 8.9 (189 reviews) ✓ Verified | | **Automated Reminders** | 8.3 (1035 reviews) ✓ Verified | 8.8 (165 reviews) ✓ Verified | | **Policy Compliance Management** | 8.4 (942 reviews) ✓ Verified | 8.9 (137 reviews) ✓ Verified | | **User, Role, and Access Management** | 8.9 (1141 reviews) ✓ Verified | 8.9 (193 reviews) ✓ Verified | #### Platform | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Reporting** | 8.5 (1007 reviews) ✓ Verified | 8.1 (178 reviews) ✓ Verified | | **APIs / Integration** | 7.9 (769 reviews) ✓ Verified | Feature Not Available | | **Internationalization** | 7.6 (639 reviews) | 8.6 (98 reviews) ✓ Verified | | **Performance and Reliability** | 8.9 (1068 reviews) ✓ Verified | 8.9 (204 reviews) ✓ Verified | | **Mobile User Support** | 8.9 (1021 reviews) ✓ Verified | 8.7 (179 reviews) ✓ Verified | | **Offline** | Feature Not Available | 8.7 (102 reviews) ✓ Verified | ### Spend Management | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 8.2/10 | 926 | | **Emburse Nexonia** | N/A | N/A | #### Setup | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Data** | 8.1 (705 reviews) | Not enough data | | **Approvals** | 8.7 (764 reviews) | Not enough data | | **Alignment** | 8.5 (627 reviews) | Not enough data | #### Performance | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **KPIs** | 7.6 (551 reviews) | Not enough data | | **Benchmarks** | 7.6 (556 reviews) | Not enough data | | **Forecasting** | 7.4 (558 reviews) | Not enough data | | **Savings** | 7.6 (588 reviews) | Not enough data | #### Payment Cards | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **One-time Virtual** | 8.8 (656 reviews) | Not enough data | | **Recurring Virtual** | 8.8 (674 reviews) | Not enough data | | **Physical** | 9.0 (760 reviews) | Not enough data | #### Reporting | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Real time** | 8.9 (746 reviews) | Not enough data | | **Multiple Views** | 8.7 (653 reviews) | Not enough data | | **Export** | 8.7 (700 reviews) | Not enough data | | **Budgets** | 8.6 (788 reviews) | Not enough data | #### Payments | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Vendor** | 8.4 (670 reviews) | Not enough data | | **Recurring** | 8.6 (669 reviews) | Not enough data | | **Employee Reimbursements** | 7.6 (610 reviews) | Not enough data | | **ACH** | 7.9 (624 reviews) | Not enough data | #### Fraud & Risk Management | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Notifications** | 8.4 (741 reviews) | Not enough data | | **Unique Cards** | 8.8 (724 reviews) | Not enough data | | **Controls** | 9.0 (740 reviews) | Not enough data | #### Agentic AI - Spend Management | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Proactive Assistance** | 5.8 (59 reviews) | Not enough data | ### AP Automation | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | 6.3/10 | 30 | | **Emburse Nexonia** | N/A | N/A | #### Invoice Management | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Capture** | 8.1 (19 reviews) | Not enough data | | **Supplier Portal** | 5.5 (16 reviews) | Not enough data | | **Repository** | 7.3 (20 reviews) | Not enough data | #### Invoice Processing | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Matching** | 6.9 (16 reviews) | Not enough data | | **Payments** | 7.4 (18 reviews) | Not enough data | | **Workflows** | 6.9 (18 reviews) | Not enough data | | **Tax Compliance** | 6.6 (17 reviews) | Not enough data | #### Analytics | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Due Dates** | 6.7 (18 reviews) | Not enough data | | **Benchmarking** | 5.4 (16 reviews) | Not enough data | | **KPIs** | 5.7 (16 reviews) | Not enough data | #### Integration | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Accounting** | 9.0 (26 reviews) | Not enough data | | **Payment Integration** | 8.2 (16 reviews) | Not enough data | | **ERP** | 6.2 (17 reviews) | Not enough data | #### Risk | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Analysis** | 5.9 (16 reviews) | Not enough data | | **Identification** | 6.7 (17 reviews) | Not enough data | | **Scoring** | 5.4 (15 reviews) | Not enough data | #### Recovery | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Recoup** | 6.4 (16 reviews) | Not enough data | | **Reporting** | 6.4 (16 reviews) | Not enough data | #### Audit | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Filters** | 6.4 (16 reviews) | Not enough data | | **Post Audits** | 5.8 (16 reviews) | Not enough data | | **Overpayments** | 5.3 (16 reviews) | Not enough data | | **Duplicates** | 6.8 (17 reviews) | Not enough data | #### Fraud | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Vendor Checks** | 6.5 (17 reviews) | Not enough data | | **Data Generation** | 7.0 (16 reviews) | Not enough data | | **Monitoring** | 6.8 (16 reviews) | Not enough data | #### Agentic AI - AP Automation | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Autonomous Task Execution** | 5.8 (16 reviews) | Not enough data | | **Proactive Assistance** | 5.8 (16 reviews) | Not enough data | | **Decision Making** | 5.6 (16 reviews) | Not enough data | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A | | **Emburse Nexonia** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | --- ## Categories **Shared Categories (1):** [Expense Management Software](https://www.g2.com/categories/expense-management) **Unique to BILL Spend & Expense (Formerly Divvy) (2):** [Spend Management Software](https://www.g2.com/categories/spend-management), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation) --- ## Reviewer Demographics ### By Company Size | Segment | BILL Spend & Expense (Formerly Divvy) | Emburse Nexonia | |---|---|---| | **Small-Business** | 65.1% | 22.4% | | **Mid-Market** | 33.4% | 59.5% | | **Enterprise** | 1.5% | 18.1% | ### By Industry #### BILL Spend & Expense (Formerly Divvy) - **Non-Profit Organization Management:** 14.6% - **Construction:** 8.7% - **Accounting:** 7.9% - **Religious Institutions:** 5.3% - **Computer Software:** 4.0% - **Real Estate:** 3.6% - **Marketing and Advertising:** 3.2% - **Information Technology and Services:** 3.0% - **Hospital & Health Care:** 2.9% - **Retail:** 2.7% - **Other:** 44.2% #### Emburse Nexonia - **Non-Profit Organization Management:** 11.2% - **Accounting:** 9.3% - **Computer Software:** 8.9% - **Hospital & Health Care:** 7.8% - **Telecommunications:** 6.1% - **Information Technology and Services:** 5.3% - **Religious Institutions:** 3.6% - **Financial Services:** 3.0% - **Internet:** 2.7% - **Management Consulting:** 2.7% - **Other:** 39.3% --- ## Alternatives ### Alternatives to BILL Spend & Expense (Formerly Divvy) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2450 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1592 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9102 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7127 reviews) - [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews) - [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5653 reviews) - [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2408 reviews) - [PEX](https://www.g2.com/products/pex/reviews) — 4.6/5 stars (192 reviews) - [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1123 reviews) ### Alternatives to Emburse Nexonia - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7127 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5653 reviews) - [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews) - [BQE CORE](https://www.g2.com/products/core-bqe-software-inc/reviews) — 4.3/5 stars (449 reviews) - [Unit4 Travel & Expenses](https://www.g2.com/products/unit4-travel-expenses/reviews) — 4.3/5 stars (61 reviews) - [TriNet](https://www.g2.com/products/trinet/reviews) — 4.2/5 stars (1858 reviews) - [Zoho Expense](https://www.g2.com/products/zoho-expense/reviews) — 4.5/5 stars (1535 reviews) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2450 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9102 reviews) - [SutiExpense](https://www.g2.com/products/sutiexpense/reviews) — 4.1/5 stars (96 reviews) --- ## Top Discussions ### BILL Spend & Expense (Formerly Divvy) - Title: [How do you use divvy?](https://www.g2.com/discussions/how-do-you-use-divvy) — 2 comments > **Top comment:** "For everything if possible. Combined with Melio - I can pay out and pre organize expenses so the end of the month paperwork is like 1/2 an hour at most...." - Title: [Is divvy free?](https://www.g2.com/discussions/is-divvy-free) — 2 comments > **Top comment:** "Yes, no signup or yearly fees. Great Business Credit Card, No Personal Guarantee just like CapitalOnTap." - Title: [Is Getdivvy legit?](https://www.g2.com/discussions/is-getdivvy-legit) — 1 comment > **Top comment:** "Yes. It is the best spend manager that we have ever used. Highly recommended. We have it deployed around our 6 global offices, 250 plus employees. " - Title: [Divvy](https://www.g2.com/discussions/divvy) — 1 comment, 2 upvotes > **Top comment:** "Unfortunately, I still noticed that divvy deletes negative reviews xoxoxox I also had a negative experience with divvy characterized by the fact that..." - Title: [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 > **Top comment:** "Well depends on what your company is approved for, like some people are given a secured or credit builder option so whatever you load is your credit." ### Emburse Nexonia - Title: [Is there a faster way to see expenses in nexonia to update as shopping instead of having to wait 24 hours each time?](https://www.g2.com/discussions/is-there-a-faster-way-to-see-expenses-in-nexonia-to-update-as-shopping-instead-of-having-to-wait-24-hours-each-time) — 1 comment, 1 upvote > **Top comment:** "Not really. You can store the receipts ahead of time, and (if you’re really lucky) they should associate with the charge. Usually, however, you would have to..." - Title: [Can you guys update the interface?](https://www.g2.com/discussions/can-you-guys-update-the-interface) — 1 comment, 2 upvotes > **Top comment:** "I don’t believe Nexonia monitors this site. You would do better sending an email to sales@nexonia.com " - Title: [expense report management](https://www.g2.com/discussions/expense-report-management-b8a4c454-bcc4-4fba-a946-d54deaca0b93) — 1 comment, 1 upvote > **Top comment:** "Hi Judy, Thanks for your interest in Nexonia. Feel free to reach out to me at brooke.aguanno@nexonia.com I would be happy to help you analyze your current..." --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/bill-spend-expense-formerly-divvy-vs-emburse-nexonia)