# BILL Spend & Expense (Formerly Divvy) vs Ramp Comparison
---
## AI Generated Summary
- **G2 reviewers report** that BILL Spend & Expense (formerly Divvy) excels in managing expenses, corporate cards, and budgets from a single platform. Users appreciate the **real-time tracking** and automation features, which enhance financial transparency and reduce administrative burdens.
- **Users say** that Ramp stands out for its intuitive design, making it easy to handle expense submissions with minimal manual effort. One reviewer highlighted the **Gmail integration** that streamlines the process even further, allowing for quick uploads and management of expenses.
- **According to verified reviews** , BILL Spend & Expense offers robust receipt tracking capabilities, which many users consider its top feature. This functionality is particularly beneficial for teams looking to maintain organized financial records without hassle.
- **Reviewers mention** that Ramp's setup process is notably straightforward, with one user noting that they logged in using SSO and found the initial configuration to be **very easy**. This ease of setup is a significant advantage for organizations looking to implement a new expense management system quickly.
- **G2 reviewers highlight** that while BILL Spend & Expense has a strong focus on small businesses, Ramp also caters well to this segment but offers a broader appeal with its user-friendly interface and features that simplify expense management for various organizational sizes.
- **Users report** that Ramp's overall user experience is enhanced by its focus on simplicity, with one reviewer appreciating how it doesn't overwhelm users with unnecessary features. This contrasts with BILL Spend & Expense, which, while powerful, may require more time to navigate effectively for some users.



| | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 4.8 out of 5 | 
| **Total Reviews** | 2,233 | 2,460 | 
| **Largest Market Segment** | Small-Business (65.3% of reviews) | Small-Business (56.9% of reviews) | 
| **Entry Level Price** | $0.00 1 user Per Month | Free | 

---
## 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)

### Ramp

Pros:
- Ease of Use (241 reviews)
- Efficiency (137 reviews)

Cons:
- Missing Features (34 reviews)
- Receipt Management (30 reviews)

---
## Ratings Comparison
| Rating | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
  | **Meets Requirements** | 9.0 (1850 reviews) | 9.4 (1851 reviews) | 
  | **Ease of Use** | 9.0 (1898 reviews) | 9.5 (1896 reviews) | 
  | **Ease of Setup** | 8.8 (1616 reviews) | 9.4 (1218 reviews) | 
  | **Ease of Admin** | 9.0 (1556 reviews) | 9.4 (1076 reviews) | 
  | **Quality of Support** | 8.5 (1728 reviews) | 9.2 (1547 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.1 (1538 reviews) | 9.5 (1062 reviews) | 
  | **Product Direction (% positive)** | 9.0 (1844 reviews) | 9.7 (1758 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

### Ramp

#### Entry-Level Pricing

Plan: Ramp

Price: Free

Description: Control spend, automate payments, and close the books faster for greater financial health on the ultimate platform.

Key Features:
- Unlimited cards and smart controls
- Automated receipt collection and matching
- Expense and mileage reimbursements

[Browse all 3 editions](https://www.g2.com/products/ramp-financial-ramp/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.0/10 | 1456 |
| **Ramp** | 9.0/10 | 1301 |

#### Expense Reports

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Ease of Creating Expense Reports** | 8.5 (1062 reviews) ✓ Verified | 9.1 (913 reviews) | 
| **Bank / Credit Card Integration** | 8.8 (1099 reviews) ✓ Verified | 9.3 (1057 reviews) | 
| **Smart Categorization** | 8.3 (1087 reviews) ✓ Verified | 9.0 (1007 reviews) | 
| **Digital Receipt Management** | 9.1 (1233 reviews) ✓ Verified | 9.6 (1162 reviews) | 
| **Employee Reimbursement** | 7.8 (932 reviews) ✓ Verified | 9.4 (918 reviews) | 
| **Currency Conversions** | 7.8 (719 reviews) ✓ Verified | 8.6 (485 reviews) | 
| **Credit Card Integration** | 8.5 (976 reviews) ✓ Verified | Feature Not Available | 

#### Agentic AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | 6.5 (119 reviews) | 7.5 (49 reviews) | 
| **Cross-system Integration** | 7.2 (124 reviews) | 8.3 (50 reviews) | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Ease of Booking** | 7.5 (778 reviews) | Feature Not Available | 
| **Itinerary Management** | 6.7 (634 reviews) | 8.1 (465 reviews) | 
| **Trip Notifications** | 6.5 (616 reviews) | Feature Not Available | 
| **Advanced Integrations** | 6.9 (691 reviews) | 8.5 (506 reviews) | 

#### Client Invoicing

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Electronic Payments** | 7.9 (890 reviews) ✓ Verified | Feature Not Available | 
| **Project Accounting / Revenue Recognition** | 7.8 (795 reviews) ✓ Verified | Feature Not Available | 

#### Generative AI - Expense Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **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) | Ramp | 
|---|---|---|
| **Receipt Capture** | 9.2 (1143 reviews) ✓ Verified | 9.6 (1137 reviews) | 
| **Mileage Tracking** | 7.4 (692 reviews) ✓ Verified | Feature Not Available | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Embedded AI / Machine Learning** | 7.1 (611 reviews) | 8.6 (686 reviews) | 
| **Complex Approval Workflow** | 7.7 (757 reviews) ✓ Verified | 8.8 (729 reviews) | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **PCI Regulation Compliant** | 8.2 (689 reviews) ✓ Verified | 8.9 (502 reviews) | 

#### Administration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Business Tool Integration** | 8.3 (1022 reviews) ✓ Verified | 9.1 (853 reviews) | 
| **Workflow** | 8.3 (1012 reviews) ✓ Verified | 9.3 (963 reviews) | 
| **Automated Reminders** | 8.3 (1040 reviews) ✓ Verified | 9.4 (1105 reviews) | 
| **Policy Compliance Management** | 8.4 (950 reviews) ✓ Verified | 9.3 (998 reviews) | 
| **User, Role, and Access Management** | 8.9 (1156 reviews) ✓ Verified | 9.4 (1069 reviews) | 

#### Platform

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Reporting** | 8.4 (1017 reviews) ✓ Verified | 9.1 (922 reviews) | 
| **APIs / Integration** | 7.9 (769 reviews) ✓ Verified | 8.9 (696 reviews) | 
| **Internationalization** | 7.6 (640 reviews) | Feature Not Available | 
| **Performance and Reliability** | 8.9 (1084 reviews) ✓ Verified | 9.5 (1063 reviews) | 
| **Mobile User Support** | 8.9 (1025 reviews) ✓ Verified | 9.1 (739 reviews) | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 8.3/10 | 932 |
| **Ramp** | 9.1/10 | 1044 |

#### Setup

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Data** | 8.1 (703 reviews) | 9.0 (671 reviews) | 
| **Approvals** | 8.6 (766 reviews) | 9.3 (834 reviews) | 
| **Alignment** | 8.5 (625 reviews) | 9.2 (478 reviews) | 

#### Performance

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **KPIs** | 7.6 (548 reviews) | Feature Not Available | 
| **Benchmarks** | 7.6 (553 reviews) | Feature Not Available | 
| **Forecasting** | 7.4 (556 reviews) | 8.2 (460 reviews) | 
| **Savings** | 7.6 (585 reviews) | 8.8 (592 reviews) | 

#### Payment Cards

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **One-time Virtual** | 8.8 (653 reviews) | 9.4 (637 reviews) | 
| **Recurring Virtual** | 8.8 (673 reviews) | 9.5 (670 reviews) | 
| **Physical** | 9.0 (760 reviews) | 9.5 (737 reviews) | 

#### Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Real time** | 9.0 (747 reviews) | 9.5 (731 reviews) | 
| **Multiple Views** | 8.7 (651 reviews) | 9.2 (612 reviews) | 
| **Export** | 8.7 (699 reviews) | 9.1 (596 reviews) | 
| **Budgets** | 8.6 (786 reviews) | Feature Not Available | 

#### Payments

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Vendor** | 8.4 (667 reviews) | 9.2 (584 reviews) | 
| **Recurring** | 8.6 (666 reviews) | 9.2 (599 reviews) | 
| **Employee Reimbursements** | 7.6 (608 reviews) | 9.2 (678 reviews) | 
| **ACH** | 7.9 (622 reviews) | 9.2 (575 reviews) | 

#### Fraud & Risk Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Notifications** | 8.4 (740 reviews) | 9.3 (752 reviews) | 
| **Unique Cards** | 8.8 (721 reviews) | 9.4 (721 reviews) | 
| **Controls** | 9.0 (740 reviews) | 9.4 (723 reviews) | 

#### Agentic AI - Spend Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Proactive Assistance** | 5.8 (59 reviews) | 7.8 (68 reviews) | 

### Procure to Pay

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 8.4/10 | 43 |

#### Planning

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Processes** | Not enough data | 9.1 (37 reviews) | 
| **Contracts** | Not enough data | 8.0 (36 reviews) | 
| **Content** | Not enough data | 8.5 (36 reviews) | 
| **Requisition** | Not enough data | 8.2 (34 reviews) | 

#### Execution

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Sourcing** | Not enough data | 8.2 (35 reviews) | 
| **Purchasing** | Not enough data | 8.8 (37 reviews) | 
| **Invoicing** | Not enough data | 8.0 (34 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Visibility** | Not enough data | 9.0 (38 reviews) | 
| **Performance** | Not enough data | 9.1 (38 reviews) | 
| **Spend** | Not enough data | 8.7 (42 reviews) | 

#### Agentic AI -  Procure to Pay

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Multi-step Planning** | Not enough data | 7.6 (9 reviews) | 

### Procurement Spend Analysis

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 8.6/10 | 56 |

#### Data Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Consolidation** | Not enough data | 8.6 (50 reviews) | 
| **Classification** | Not enough data | 9.1 (51 reviews) | 
| **External Sources** | Not enough data | 8.2 (47 reviews) | 
| **Integration** | Not enough data | 9.1 (50 reviews) | 
| **Cleaning** | Not enough data | 8.8 (48 reviews) | 

#### Agentic AI -  Accounts Payable (AP) and Spend Analysis

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Decision Making** | Not enough data | 7.6 (18 reviews) | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Benchmarking** | Not enough data | 7.9 (45 reviews) | 
| **KPIs** | Not enough data | 8.0 (44 reviews) | 
| **Compliance** | Not enough data | 8.3 (46 reviews) | 
| **Errors** | Not enough data | 8.7 (47 reviews) | 

#### Recovery

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Historical payments** | Not enough data | 9.0 (47 reviews) | 
| **Overpayments** | Not enough data | 8.1 (43 reviews) | 

#### AP Data Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Workflows** | Not enough data | 9.0 (47 reviews) | 
| **Transparency** | Not enough data | 9.1 (47 reviews) | 
| **Controls** | Not enough data | 9.3 (46 reviews) | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | 6.4/10 | 35 |
| **Ramp** | 8.3/10 | 146 |

#### Invoice Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Capture** | 7.9 (21 reviews) | 9.2 (130 reviews) | 
| **Supplier Portal** | 5.7 (17 reviews) | Feature Not Available | 
| **Repository** | 7.3 (20 reviews) | 8.7 (123 reviews) | 

#### Invoice Processing

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Matching** | 7.1 (17 reviews) | 8.9 (131 reviews) | 
| **Payments** | 7.5 (19 reviews) | 9.2 (134 reviews) | 
| **Workflows** | 6.9 (18 reviews) | 9.1 (134 reviews) | 
| **Tax Compliance** | 6.6 (17 reviews) | Feature Not Available | 

#### Analytics

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Due Dates** | 6.7 (18 reviews) | 9.1 (130 reviews) | 
| **Benchmarking** | 5.4 (16 reviews) | Feature Not Available | 
| **KPIs** | 5.7 (16 reviews) | Feature Not Available | 

#### Integration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Accounting** | 8.8 (28 reviews) | 9.1 (136 reviews) | 
| **Payment Integration** | 8.4 (18 reviews) | Feature Not Available | 
| **ERP** | 6.4 (18 reviews) | 8.6 (120 reviews) | 

#### Risk

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Analysis** | 5.9 (16 reviews) | Feature Not Available | 
| **Identification** | 6.7 (17 reviews) | Feature Not Available | 
| **Scoring** | 5.4 (15 reviews) | Feature Not Available | 

#### Recovery

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Recoup** | 6.4 (16 reviews) | Feature Not Available | 
| **Reporting** | 6.7 (18 reviews) | Feature Not Available | 

#### Audit

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Filters** | 6.4 (16 reviews) | Feature Not Available | 
| **Post Audits** | 5.8 (16 reviews) | Feature Not Available | 
| **Overpayments** | 5.3 (16 reviews) | 8.1 (114 reviews) | 
| **Duplicates** | 7.1 (19 reviews) | 8.7 (122 reviews) | 

#### Fraud

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Vendor Checks** | 6.5 (17 reviews) | Feature Not Available | 
| **Data Generation** | 7.0 (16 reviews) | Feature Not Available | 
| **Monitoring** | 6.8 (19 reviews) | Feature Not Available | 

#### Agentic AI - AP Automation

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | 5.8 (16 reviews) | 6.1 (14 reviews) | 
| **Proactive Assistance** | 5.8 (16 reviews) | 5.8 (14 reviews) | 
| **Decision Making** | 5.6 (16 reviews) | 6.7 (15 reviews) | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 8.8/10 | 986 |

#### Expense Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Expense Automation** | Not enough data | 9.5 (120 reviews) | 
| **Integration** | Not enough data | 9.4 (115 reviews) | 
| **Compliance** | Not enough data | 9.4 (114 reviews) | 
| **Mobile Functionality** | Not enough data | 9.4 (118 reviews) | 

#### Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Ease of Booking** | 7.5 (778 reviews) | Feature Not Available | 
| **Itinerary Management** | 6.7 (634 reviews) | 8.1 (465 reviews) | 
| **Trip Notifications** | 6.5 (616 reviews) | Feature Not Available | 
| **Advanced Integrations** | 6.9 (691 reviews) | 8.5 (506 reviews) | 

#### Approval 

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Rules** | Not enough data | 9.5 (116 reviews) | 
| **Workflows** | Not enough data | 9.5 (108 reviews) | 
| **Submit** | Not enough data | 9.7 (121 reviews) | 

#### AI - Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Personalization** | Not enough data | 8.0 (39 reviews) | 
| **Predictive Analytics** | Not enough data | 8.0 (39 reviews) | 
| **Cost Savings** | Not enough data | 8.3 (39 reviews) | 
| **Efficiency** | Not enough data | 8.8 (39 reviews) | 
| **Real-Time Assistance** | Not enough data | 8.8 (39 reviews) | 

#### Agentic AI - Travel Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | 8.1 (21 reviews) | 
| **Proactive Assistance** | Not enough data | 8.1 (21 reviews) | 

#### Employee Risk Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Emergency Assistance Integration** | Not enough data | Not enough data | 
| **Policy Enforcement & Compliance** | Not enough data | Not enough data | 
| **Traveler Tracking** | Not enough data | Not enough data | 
| **Risk Alerts & Safety Notifications** | Not enough data | Not enough data | 

#### Sustainability & Reporting

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Sustainability Reporting** | Not enough data | Not enough data | 
| **Green Travel Recommendations** | Not enough data | Not enough data | 
| **Carbon Emissions Tracking** | Not enough data | Not enough data | 

### Procurement Orchestration

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | N/A | N/A |

#### Purchase Requisition and Approval Workflow - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Notifcations** | Not enough data | Not enough data | 
| **Workflows** | Not enough data | Not enough data | 
| **Purchase Orders** | Not enough data | Not enough data | 

#### Supplier Management - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Tracking** | Not enough data | Not enough data | 
| **Onboarding** | Not enough data | Not enough data | 
| **Database** | Not enough data | Not enough data | 

#### Spend Management - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Analysis** | Not enough data | Not enough data | 
| **Visibility** | Not enough data | Not enough data | 

#### Compliance and Risk Management - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Risk Assessment** | Not enough data | Not enough data | 
| **Compliance** | Not enough data | Not enough data | 
| **Audits** | Not enough data | Not enough data | 

#### Workflow Automation - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Routing** | Not enough data | Not enough data | 
| **Configuration** | Not enough data | Not enough data | 
| **Approvals** | Not enough data | Not enough data | 

#### Agentic AI - Procurement Orchestration

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

### Vendor Management

| Product | Score | Reviews |
|---|---|---|
| **BILL Spend & Expense (Formerly Divvy)** | N/A | N/A |
| **Ramp** | 7.4/10 | 76 |

#### Agentic AI - Vendor Management

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Decision Making** | Not enough data | 6.4 (15 reviews) | 

#### Revenue Recognition

| Feature | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Usage Tracking** | Not enough data | 8.6 (73 reviews) | 
| **Deferred Revenue** | Not enough data | 7.1 (68 reviews) | 
| **Revenue Accrual** | Not enough data | 7.3 (68 reviews) | 

---
## Categories
**Shared Categories (3):** [Expense Management Software](https://www.g2.com/categories/expense-management), [Spend Management Software](https://www.g2.com/categories/spend-management), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation)


**Unique to Ramp (5):** [Procurement Spend Analysis](https://www.g2.com/categories/procurement-spend-analysis), [Procure to Pay Software](https://www.g2.com/categories/procure-to-pay), [Travel Management Software](https://www.g2.com/categories/travel-management), [Vendor Management Software](https://www.g2.com/categories/vendor-management), [Procurement Orchestration Software](https://www.g2.com/categories/procurement-orchestration)


---
## Reviewer Demographics

### By Company Size

| Segment | BILL Spend & Expense (Formerly Divvy) | Ramp | 
|---|---|---|
| **Small-Business** | 65.3% | 56.9% | 
| **Mid-Market** | 33.2% | 40.6% | 
| **Enterprise** | 1.5% | 2.5% | 

### By Industry

#### BILL Spend & Expense (Formerly Divvy)

- **Non-Profit Organization Management:** 14.6%
- **Construction:** 9.0%
- **Accounting:** 7.7%
- **Religious Institutions:** 5.2%
- **Computer Software:** 3.9%
- **Real Estate:** 3.5%
- **Marketing and Advertising:** 3.2%
- **Information Technology and Services:** 2.9%
- **Hospital & Health Care:** 2.9%
- **Retail:** 2.8%
- **Other:** 44.1%

#### Ramp

- **Computer Software:** 14.0%
- **Information Technology and Services:** 9.1%
- **Non-Profit Organization Management:** 6.9%
- **Financial Services:** 5.2%
- **Construction:** 4.7%
- **Accounting:** 4.1%
- **Marketing and Advertising:** 3.5%
- **Hospital & Health Care:** 3.1%
- **Health, Wellness and Fitness:** 2.7%
- **Religious Institutions:** 2.6%
- **Other:** 44.2%

---
## Alternatives

### Alternatives to BILL Spend & Expense (Formerly Divvy)

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- [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1959 reviews)
- [Coupa](https://www.g2.com/products/coupa-software-coupa/reviews) — 4.2/5 stars (569 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1608 reviews)
- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9282 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7137 reviews)
- [Mesh Payments](https://www.g2.com/products/mesh-payments/reviews) — 4.6/5 stars (1067 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (417 reviews)
- [Teampay](https://www.g2.com/products/teampay/reviews) — 4.4/5 stars (560 reviews)
- [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (895 reviews)

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## 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."

### Ramp

- Title: [When can we expect a native iOS app? When can we see Microsoft identity integration?](https://www.g2.com/discussions/when-can-we-expect-a-native-ios-app-when-can-we-see-microsoft-identity-integration) — 3 comments, 1 upvote
  > **Top comment:** "Hi Jason - Happy to share that our team is heads-down working on a beta release for iOS due in August. No plans for Microsoft SSO on the roadmap, but if..."

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**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/bill-spend-expense-formerly-divvy-vs-ramp-financial-ramp)