# 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:** 2,102 ## 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 mobile access and receipt tracking. (435 reviews) - Users value the **user-friendly interface** of BILL Spend & Expense, praising its efficiency in managing reimbursements and budgets. (224 reviews) - Users value the **convenience** of BILL Spend & Expense, enjoying easy tracking, budgeting, and integration with QuickBooks. (161 reviews) - Users praise the **easy setup** of BILL Spend & Expense, making transitions seamless and efficient for new users. (159 reviews) - Users appreciate the **time-saving features** of BILL Spend & Expense, simplifying expense management and enhancing efficiency. (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 report **integration issues** with BILL Spend & Expense, complicating workflows and hindering functionality compared to Divvy. (89 reviews) - Users face **approval issues** that complicate transaction management and hinder efficient budget tracking and automation. (87 reviews) - Users are frustrated by the **poor customer support** , hindering their ability to effectively use the product. (61 reviews) - Users report frequent **syncing issues** with classes and locations, complicating the integration with QBO. (59 reviews) - Users find the **budget management process complex** , wishing for clearer guidance and integration with AP/AR systems. (55 reviews) - Card Issues (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. Amazing Virtual Card Platform **Rating:** 5.0/5.0 stars **Reviewed by:** Sarah P. | Adminstrative Director, Small-Business (50 or fewer emp.) **Reviewed Date:** April 30, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Virtual card platform that allows us to use a credit card to pay our bills. It's amazing how employees can have different budgets and permissions. It allows us to stay on top of their spending and review and approve all their expenses. I also really like how we can order physical cards for them too. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** We used other platforms that gave us even more control of employees spending. For example other platforms have rules that it will automatically block employees accounts after not submitting receipts. Also, although Divvy does allow us to choose categories for allowed expenses, we found that this blocked some major retailers like Amazon (who sells such a variety of things) and we had to remove that control **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Yes! It allowed us to give employee cards. It also made it very easy to have lines of credits for our different companies. ### 2. Streamlines Expense Reports, but Needs Better Receipt Matching **Rating:** 4.5/5.0 stars **Reviewed by:** David S. | Operations Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** April 21, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that BILL Spend & Expense (Formerly Divvy) makes it very easy to do and produce my expense reports. I appreciate the fact that I'm able to upload receipts with ease, which streamlines the process when I'm handling expenses. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Sometimes the matching of the receipts or when you can email your receipts in, they never match. I use the email receipt feature all the time, and it always sends it back saying that it cannot locate the item. But then when I go in there, I am able to match it up. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense makes it easy for me to produce my expense reports and upload receipts effortlessly, streamlining my expense management. ### 3. Easy onboarding and card controls, but limited integrations and lackluster support beyond onboarding **Rating:** 3.5/5.0 stars **Reviewed by:** Verified User in Civil Engineering | Mid-Market (51-1000 emp.) **Reviewed Date:** April 30, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The onboarding process was light and quick with a very responsive team from sales to onboarding. The simplicity with ease of use on the website was a draw for us with a phone application that provides real-time pings to users for data collection at the point of card use is nice. There are ERP ana accounting system integrations but those are limited in availability. The card works well with options to build and restrict budgets to categories choosen. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Unfortunately the simplicity was the downside for us. We need to track our expenses in projects with phases, phases with tasks. BILL is unable to integrate with our systems and lacks dependencies meaning we can't like the projects with its respective phases. Also, the budgeting and limitations that can be placed on cards seemed oversold for what was reasonably possible. The categories and groupings couldn't overlap so we would need to create multiple budgets and assign those to each user. Then the user is required to choose the correct budget each time PRIOR to making a purchase, which is a stretch to ask of non-accounting folk users. Lastly, after the onboarding, support has been poor. We have asked to close our account and given promises with no results since. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** The hope was ease of capturing spend data at the time of card swipe by pinging employees to complete and upload the receipt while the event is fresh. This would help code the transaction to the correct project and expense type to reduce the need to nag for reconciliation on the back end while giving us more up-to-date transaction data in our ERP system. ### 4. Effortless Expense Management with User-Friendly Interface **Rating:** 5.0/5.0 stars **Reviewed by:** Ana O. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 29, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I find BILL Spend & Expense (Formerly Divvy) very user-friendly, which makes it easy to navigate. It has made my expense reporting much easier, especially with the ability to upload receipts and categorize expenses at the moment of purchase. As an admin, I appreciate the ability to see all transactions of other cardholders. The app is very easy to set up and allows me to assign budgets, request new cards, and block cards easily. Everything feels easy and smooth. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Maybe having clear instructions of how things work between the app and the web page. I tried updating the bank account used to pay the card on the web page, but it turns out the change had to be completed in the app. I only figured that out after spending some time trying to finish the update. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense makes expense reporting easier with receipt uploads and instant categorization. It's simple to set up, assign budgets, request new cards, and block cards, making everything feel easy and smooth. ### 5. Disjointed Onboarding and a Fragmented Setup Experience **Rating:** 2.5/5.0 stars **Reviewed by:** Sean R. | Executive Consultant - Enterprise Platforms & Digital Transformation, Small-Business (50 or fewer emp.) **Reviewed Date:** April 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The platform's core concept of combining credit lines with instant expense categorization is strong. When it works, the real-time visibility into spend and the ability to issue virtual cards for specific vendors are helpful features for maintaining budget control across a team. The mobile interface is also relatively intuitive for quick receipt uploads **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** the implementation and onboarding process were notably disjointed. For a tool that is supposed to streamline operations, the setup felt fragmented and lacked a cohesive 'white-glove' experience. I found the transition between the credit approval phase and the actual platform utility to be fumbled, leading to significant delays in getting the system fully operational. Operationally, it feels like several different tools stitched together rather than one fluid ecosystem **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I think Bill is intended to solve the problem of manual expense reporting and out-of-policy spending. While the virtual card system provides some benefit in terms of security and budget tracking, the initial operational friction during the setup phase significantly diminished the expected ROI and slowed down our financial workflows ### 6. Smooth International Payments, Could Have Better Bank Integration **Rating:** 4.0/5.0 stars **Reviewed by:** Ioannis K. | Kenneth Brayer Professor of Electrical Engineering, Small-Business (50 or fewer emp.) **Reviewed Date:** April 23, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I really like the integration of BILL Spend & Expense with a payment card because it handles our travel reimbursements and occasional expenses like Internet and subscriptions. The system is pretty good for international payments too, which works well for us when dealing with German contractors. It saves us the hassle and cost of wire transfers through banks by offering a flat 1% fee for payments in almost any currency. The cards for all employees are nice, keeping everything segregated, and our accountant is happy with the consolidated reports. The audit process was smooth, and the system was effective in confirming expenses. The workflow and approval structure work pretty well for our small team, keeping things compliant. The initial setup was extremely straightforward, and the ability to start using basic functionality for free is nice. I also appreciate that we can transition each vendor into the workflow without doing it all at once. The onboarding is very straightforward and as close to instant as possible. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** So it doesn't integrate quite as well with our bank. It'd be nice if they could pull the balances for the bank accounts more automatically. We get a larger bill, like $12,000 for a repair, we have to check that we won't create a crisis in the account we're pulling the funds from. There are other systems that are more integrated with banks, which is a minor weak point for Divvy. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense for handling bills, expenses, and international payments smoothly. It's great for handling employee expenses with a separate card and offers affordable international transactions, but could improve bank integration. ### 7. Easy Vendor Portal & Payables Visibility **Rating:** 4.0/5.0 stars **Reviewed by:** Sharon M. | Analyst, Mid-Market (51-1000 emp.) **Reviewed Date:** April 30, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** It integrates easily with many vendor portals, which makes it straightforward to track payables and expenses and provides clear visibility into both. It also connects with accounting software such as Xero, which helps automate tasks and streamline day-to-day workflows. Payments are simple to manage as well, including by credit card, and that increases visibility at all levels. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** It feels like a completely different product from Bill.com’s payables. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It makes it easy to track payments made using credit cards. As a company that deals with multiple companies, it helps us handle daily accounting tasks more smoothly. Once it’s integrated with accounting software like Sage, it automatically populates the journal entries. ### 8. Effortless Payments, Vital for Small Businesses **Rating:** 5.0/5.0 stars **Reviewed by:** Rachel D. | Executive Director, Small-Business (50 or fewer emp.) **Reviewed Date:** April 21, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I have used BILL Spend & Expense to receive payments from a vendor, and I try to use digital or electronic payments instead of checks. We can receive payments quickly and not have to wait for a check in the mail, which is really convenient. Even though I haven't used the feature yet, the ability to get an instant payment on an invoice or to finance an invoice upfront seems like it would help with cash flow, especially when cash is tight. For a small business like ours, having the option to finance an invoice is really valuable. Also, setting up BILL Spend & Expense was easy and didn't take long. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I did not have anything to dislike about the service **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense (Formerly Divvy) to receive payments quickly without waiting for checks. The option to finance invoices is valuable for managing cash flow when payments are pending. ### 9. Streamlined Expense Management with Real-Time Visibility and Easy Receipt Capture **Rating:** 4.5/5.0 stars **Reviewed by:** Anderson H. | Sr. Accountant, Mid-Market (51-1000 emp.) **Reviewed Date:** February 02, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** What I like best about BILL Spend & Expense is how it streamlines expense management end-to-end in one place. The real-time visibility into spending, easy receipt capture, and automatic syncing with accounting systems save a lot of time and reduce manual errors. The approval workflows are straightforward, and having clear controls and reporting makes it much easier to manage budgets and stay compliant without slowing teams down. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** One downside of BILL Spend & Expense is that some features can feel a bit rigid, especially if your company has more complex or unique expense policies. The reporting and customization options aren’t always as flexible as you might want, and there can be a learning curve for new users before everything feels intuitive. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense solves issues around uncontrolled spending, manual expense reporting, and lack of real-time visibility. It centralizes spend management with built-in controls, automated receipt capture, and accounting integrations. As a result, expenses are processed faster, budgets stay on track, and finance teams save time while gaining better insight into where money is being spent. ### 10. Facilitate Expense Verification Efficiently **Rating:** 5.0/5.0 stars **Reviewed by:** Ulises R. | Technical Respresentative, Mid-Market (51-1000 emp.) **Reviewed Date:** April 21, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love that with BILL Spend & Expense (Formerly Divvy) I can verify expenses using just an image, whether it's a photograph or a file. Additionally, the ease of choosing specific categories for expenses, defined by the company, greatly simplifies the operation. I also appreciate that an image can be uploaded for expense verification, which enhances the experience by not having to deal with physical receipts. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Communication between applications does not seem to be very effective, as sometimes the application does not easily find the expense. Additionally, the photos taken by the application cannot be cropped, which forces me to take the photo with the photo app and then export it. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Solve the problem of keeping physical receipts by allowing checks with images. Simplify managing expenses by having specific categories, and I like the option to verify expenses by just uploading an image. ### 11. Great Quickbooks Sync, But Occasional Sync Issues with Some Employees **Rating:** 4.0/5.0 stars **Reviewed by:** Catherine S. | Finance & Operations Analyst, Small-Business (50 or fewer emp.) **Reviewed Date:** October 20, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that employees are able to enter class, account, and vendor information. I also like that Bill Spend and Expense is able to sync with Quickbooks. I Usually enter most of the data into our company's Quickbooks system so this helps me out a lot. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Sometimes transactions will not sync. I notice that is it always specifically three employees whose transactions will not sync. Also, since some employees already has a bill.com account, signing up for Bill Spend and Expense was a bit tricky because they experienced many hiccups. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Bill Spend and Expense is benefiting me because I do not have to enter as much data in Quickbooks as I did before. Before we had Bill Spend & Expense. I had to enter in every transaction, class, account, and vendor manually. Bill syncing with Quickbooks in this way allows me more time to analyze expenses rather than just entering them. **Official Response from Jenn J:** > Thank you, Catherine, for your valuable insight into Spend & Expense! We're glad to hear that you find value in the feature that allows employees to enter class, account, and vendor information directly, and that the sync with QuickBooks helps you significantly reduce your manual data entry workload. However, we sincerely apologize for the frustrating sync issues you've experienced. We understand how critical it is for transactions to sync reliably, and we've noted that this issue is specifically tied to transactions from three particular employees. We also apologize that some employees experienced hiccups during the sign-up process for Bill Spend & Expense due to having an existing Bill.com account. Your feedback is valuable to us as we like to hear about what works well for our customers and what needs to be improved. ### 12. Seamless Receipt Integration and Real-Time Expense Tracking **Rating:** 4.5/5.0 stars **Reviewed by:** Jennifer P. | Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that BILL Spend & Expense (Formerly Divvy) cuts down on delays in receiving receipts and processing time. It collects receipts immediately in real time from employees and integrates seamlessly with our accounting software, which eliminates the need for data entry and reduces the chance of clerical errors. It provides us with real-time profit and loss on jobs without the delay of waiting for employees to turn in receipts. The initial setup was extremely easy. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** One thing that could be improved is if the system remembered prior selections, like for fuel charges, so that we don't have to manually change them every time. It would be nice if it categorized the transaction correctly, preventing us from having to make manual changes. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense (Formerly Divvy) collects receipts in real time from employees and integrates seamlessly with our accounting software, eliminating data entry and clerical errors. It cuts down delays in receiving receipts and processing time, providing real-time profit and loss insights. **Official Response from Jenn J:** > Thank you for your outstanding feedback on BILL Spend & Expense, Jennifer! We are so excited to hear that you access our system daily, which significantly reduces expense processing time and simplifies operations. Your employees can upload receipts, eliminating the need for weekly office trips. The system also provides real-time data, ensuring timely information transfer to the accounting system for quick customer billing. Setup and integration were straightforward for your team, and support was helpful throughout the process. We appreciate your ideas of a pay-over-time option for a card, which would help small companies manage their cash flow, and an option for customizable reminder messages or a way to ask employees questions about charges directly linked to those charges. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software. ### 13. Effortless Expense Management with Stellar Support **Rating:** 5.0/5.0 stars **Reviewed by:** Leigh L. | Senior Accountant, Small-Business (50 or fewer emp.) **Reviewed Date:** May 14, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like how easy it is to monitor spending and set limits with BILL Spend & Expense. It's very easy to quickly adjust a limit if someone has a larger purchase. I appreciate how easy it is to seamlessly see what many people are doing at once. It's a great site to use and incredibly easy to use. Their customer service has been really helpful when I've had questions.I also really appreciate how easily it integrates with QuickBooks Online, which we use for accounting. It works great. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I found it really unfamiliar when I had to use BILL Spend & Expense for invoice payments instead of the credit card management I'm used to. It ended up taking us about two extra weeks to collect money on a large invoice, which was frustrating. Typically, we'd expect a quicker process, like a direct deposit, but using this service seemed to complicate things and delay the payment. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I don't have to track down receipts anymore. Each user is notified to add a receipt, and I can send batch reminders. Everything is seamlessly integrated, eliminating manual errors and saving time compared to the old process. **Official Response from Jenn J:** > Thank you, Leigh, for your positive review of BILL Spend & Expense! We love that you consider our service a great way to make purchases, allow employees to have adjustable budgeted amounts quickly, and that it integrates excellently with QBO. We understand your frustration with the process of creating a bill in QuickBooks Online (QBO) and then making a payment with S & E, which results in two instances of the bill being created in the system. We sincerely apologize for this issue. We value your feedback, as we are committed to improving our customers' experience with our software. ### 14. Streamlined Spending with Bill Spend & Expense **Rating:** 5.0/5.0 stars **Reviewed by:** Chris J. | VP Finance, Small-Business (50 or fewer emp.) **Reviewed Date:** May 21, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the credit card rewards, which include purchasing rewards and cashback from spending. I also appreciate being able to set up budgets for individuals, which helps track expenses per budget or department and assists with accounting. It's very useful to upload receipts and invoices, as having a documented place for these is great for audits and internal tracking. The ability to easily control who has a card, manage their budgets, and swiftly handle situations like card loss by zeroing out budgets or ordering new cards is very convenient. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I find the integration between BILL Spend & Expense (Formerly Divvy) and our accounting system to be not seamless. It takes some extra steps, going through Excel, and feels like more manual work than it should be. I'd prefer if getting data from Divvy directly into my accountant's system required fewer manual steps. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to control who gets a card and their budgets, making it easy to manage expenses. Uploading receipts and having a documentation spot simplifies audits. It's handy for setting budgets by individual or department. **Official Response from Jenn J:** > Thank you for your five-star review, Chris! We are excited to hear that BILL Spend & Expense has been helpful with the ability to create as many credit cards as your company needs and that you can control the budgets of those cards. We appreciate your feedback about the auto-categorization of our AI needing to be improved and have provided that information to our product team. We always want to hear what works and what will make your experience better. ### 15. 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. ### 16. Easy QuickBooks Sync, Smart Budgeting Tools, and Great Tech Support **Rating:** 5.0/5.0 stars **Reviewed by:** Martin F. | President & CEO, Small-Business (50 or fewer emp.) **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** We love how easy it is to set up and sync with QuickBooks. It also gives us a great way to control spending by creating budgets, using virtual cards, and accessing a ton of other helpful features. Tech support has been great, and they really come in clutch when we’re trying to figure things out. It is easy to add new users and remove old users. Implementing the card was easy peasy. We use the card everyday and benefit from the rewards pretty quickly. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Our biggest issue was when we first started using BILL. It took a bit of work to get a credit increase, but now that we understand the process, it is a little easier. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I can monitor spending on our credit cards with little to no effort. I know that we can pull reports, get receipts, and get it synced in no time. My accountant loves that I handle most of our G/L labeling for each transaction. Keeps my bookkeeping costs down. ### 17. Efficient Billing with Frustrating Support **Rating:** 3.0/5.0 stars **Reviewed by:** Lovie W. | Office Manager, Small-Business (50 or fewer emp.) **Reviewed Date:** February 19, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like most of the tracking of our bills being paid and the reports that are given for me to easily then put it into our system for balancing. I also like that I can pull up specific payment dates for filtering, and the report shows the company that was paid and the amounts as well. Being able to filter for specific categories in these reports is most helpful because it allows me to easily determine in that payment cycle how much was spent in certain categories. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The customer service is not good. It feels disjointed, like dealing with a third party to another third party company. They often act like they don't know which part of their app we use, though they have my information. They can't answer questions about specific check numbers or payments to vendors without stopping communication to contact someone else, which takes a day and results in more questions that should already be known. It's infuriating. Additionally, having to void a check takes too long because of back and forth communication, making it feel like they don't know what's going on internally. The initial setup was time-consuming and very manual due to our ERP software not being compatible with BILL Spend & Expense. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense saves time by eliminating the need to cut and mail checks, and it streamlines tracking of employees' debit card use, making expense management more efficient. **Official Response from Jenn J:** > Lovie, thank you for your valuable feedback on BILL Spend &Expense! We are happy to hear that you are finding it easy to pay bills. We appreciate your thoughts on customer support and the difficulty in contacting them. We have passed that on to our team and please continue providing feedback as we always are working hard to improve our software. ### 18. A well built, intuitive piece of software that has made so much of my job easier. **Rating:** 5.0/5.0 stars **Reviewed by:** Karla K. | Controller, Mid-Market (51-1000 emp.) **Reviewed Date:** October 17, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The interface is very easy to use, not just for the end users (card holders) but especially for me as an administrator. I can easily see everyone's receipts, make sure things are categorized correctly, make sure that all the required data has been entered, reports are easy to run and edit because they are downloadable in excel. Everything about it works great for me. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** One small request would be the ability to add additional information to the card transactions, i.e. project number. We send the spending to the projects and it would help a lot if we could have a customizable field that would let us make that connection that would automate the allocation function. But there are enough tools to work with that I've got it down to a very manageable amount of work, even though it's not quite "automated". **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We had a very hard time collecting receipts before because they needed to be mailed into the office and that just wasn't happening. Now that they can simply be uploaded right at the point of sale, we're getting much better adherence to the policies. **Official Response from Jenn J:** > Thank you, Karla, for your tremendous review of Spend & Expense! We're excited that you find the interface easy to use for both you and your cardholders. You can see all the receipts, making sure they are categorized correctly, make sure all the data is entered, and you can run reports easily and edit them as they are downloaded in Excel format. We appreciate your request for the option to add more information to the card transactions to be able to show the connection that would automate the allocation function. 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. ### 19. Effortless Payables with Quick Execution & Rewarding Benefits **Rating:** 5.0/5.0 stars **Reviewed by:** Nicholas A. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 09, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love how easy it is to use BILL Spend & Expense (Formerly Divvy), as it means I don't have to go out of my way to get vendors paid, and they receive quick payments, which they appreciate. I find the seamless rewards system fantastic because we can purchase gift cards for our staff to give them something extra for a job well done. The initial setup was easy, which made integrating the software into our workflow quite straightforward. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I would prefer virtual cards not be 'automatically added' on the payable side. We've had some issues in the past where vendors don't realize they set up a virtual card and then they never process payment, and the payment needs to get reissued. I would like a feature making us click to confirm these changes rather than changing them without confirmation. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to pay vendors quickly with virtual cards. It's easy and seamless, so vendors are happy with fast payments. I also enjoy getting rewards, which lets us gift staff for their hard work. ### 20. A Rewarding Experience with Flexible Control **Rating:** 5.0/5.0 stars **Reviewed by:** Lauren N. | Owner, Small-Business (50 or fewer emp.) **Reviewed Date:** August 20, 2024 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like BILL Spend & Expense because it allows my small business to operate smoothly by giving my employees access to virtual cards, which simplifies tasks like e-filing and parking expenses. I can control budgets and manage their spending effectively. The payment schedule options and the rewards program are what I appreciate the most, as they have been really helpful to us. It's nice that we can earn cash rewards by using the cards for our expenses, especially the recurring ones. The initial setup was pretty easy for me, though some employees needed a bit of help. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** More payment options would be beneficial. And more integrations would certainly be helpful. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense makes it easier for my employees to pay for expenses without involving me, giving them spending control with virtual cards, and the rewards system helps us earn cash for expenses, especially recurring ones. **Official Response from Jenn J:** > Thank you for your valuable feedback on BILL Spend & Expense, Lauren! We are pleased that you enjoy the ability to control your team's spending and virtual cards. Our apologies for any frustrations caused by long payment processing time and any difficulty you have had with using the physical card. We always want to hear what works and what will make your experience better. ### 21. 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. ### 22. Effortless Expense Management and Approval **Rating:** 5.0/5.0 stars **Reviewed by:** Margurite Teresa W. | Senior Director, Legal Operations (San Francisco, Sacramento, Boise), Mid-Market (51-1000 emp.) **Reviewed Date:** April 20, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that it gathers all my expenses in one place so I don't have to try to remember anything down the line. It's easy to process an expense from purchase all the way through approval. I love that I can split expenses as many ways as necessary to allocate costs to the appropriate accounts. I also love the mobile app where I can upload receipts immediately. Every feature I have used has been intuitive and easy. I love the virtual card options as well; there are just so many conveniences through this application. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** At this time, nothing! **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense gathers all my expenses in one place, so I don't have to remember them later. It's easy to process expenses from purchase to approval, and I can split expenses to allocate costs accurately. The mobile app lets me upload receipts immediately. ### 23. User-Friendly Expense Tracking, But Lackluster Rewards **Rating:** 4.0/5.0 stars **Reviewed by:** Katlyn W. | Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** May 14, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like how user-friendly BILL Spend & Expense (Formerly Divvy) is when it comes to tracking receipts, making it easy to get rid of the old paper trail. I find the capability to just capture a photo and upload it really easy to use. The upload tool is great compared to the old-school way of having to track down receipts from employees. The initial setup was very straightforward for getting all of our jobs and cost codes implemented. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I feel like the rewards system is not great compared to other credit card companies. We've spent hundreds of thousands of dollars with BILL Spend & Expense, and our total cash back available is less than $7k. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense for tracking receipts easily by capturing and uploading photos, eliminating the paper trail and simplifying the process of collecting receipts from employees. **Official Response from Jenn J:** > Our gratitude for your exceptional review of BILL Spend & Expense, Katlyn! We are thrilled that you enjoy being able to upload receipts through the app. We appreciate your thoughts on our rewards being a little better. 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. Effortless Financial Management with Enhanced Collaboration **Rating:** 5.0/5.0 stars **Reviewed by:** Josh B. | Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** April 06, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I use BILL Spend & Expense (Formerly Divvy) for all of our employee credit card spends like parts, fuel, meals, client gifts, etc. What I really like is that it has given everyone in different departments visibility and automation, allowing us to collaborate effectively. It's easy to use and has decreased the amount of time it takes to reconcile the credit cards and close the books each month. The initial setup was very easy as well. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** In the transactions tab, it would be very nice if the search box also allowed us to search for anything entered into the notes field instead of just name or merchant. I would love it if I could search the notes field for particular work orders or specific notes. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It gives visibility and automation across departments, collaborating effectively. It reduces time to reconcile credit cards and close monthly books. ### 25. Streamlined Expense Tracking and Budget Control Across Divisions **Rating:** 4.5/5.0 stars **Reviewed by:** Alexander M. | Payroll Administrator, Enterprise (> 1000 emp.) **Reviewed Date:** May 05, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Especially for us with various divisions, it helps best with combining corporate cards, tracking expenses, and budgeting control. Also it can be integrated easily with our accounting package. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** We are facing issues with the approval procedures, which really affect the workflow. I think it is in the complexity of our corporate access level setup. And sometimes the system glitches when syncing with our accounting package **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Right now it is helpfull with corporate card tracking, budget control and expense tracking. It has been helpful. Also it helps stremline some workflow especially for accounting records ### 26. Streamlined Expense Management, Effortless Use **Rating:** 5.0/5.0 stars **Reviewed by:** Jeff M. | Director of Area Accounts, Small-Business (50 or fewer emp.) **Reviewed Date:** April 22, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I find the company cards tied to the app very convenient and easy to use. It's really easy to change limits on them through the app. From a management perspective, every step of the process is super easy, even for someone with no background in that area. It was also really easy to manage everything through the BILL app and I got the necessary notifications. Additionally, reconciling expenses from sales trips and tracking mileage for sales reps were made a lot easier. It's great for leadership as it was easy to manage all that and fit our operational model perfectly. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Nothing that stuck out to me. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Bill Spend & Expense makes it easier to reconcile expenses from sales trips and other mileage. As a leader, I find it easy to manage and receive necessary notifications. ### 27. Efficient, User-Friendly with Room for Screen Navigation Improvement **Rating:** 4.0/5.0 stars **Reviewed by:** Executive D. | Executive Director, Small-Business (50 or fewer emp.) **Reviewed Date:** April 21, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I find BILL Spend & Expense (Formerly Divvy) easy to operate, which is a significant advantage. I like that it verifies duplicate invoice numbers and other data, which helps in maintaining accuracy. I also appreciate that we can run reports to look up payments processed and identify outstanding payments with ease. The integration with QuickBooks is seamless, allowing us to easily transfer and post payments. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Sometimes when I need to access the software it is difficult to get to the correct screen to process payments. It would be nice if there was a way to set the screens that you access frequently. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I can easily transfer and post payments to Quickbooks, look up client names, and verify for duplicate invoices. Reports are simple to run for tracking processed and outstanding payments, maintaining organized records. ### 28. Rewarding Spend Management Made Easy **Rating:** 4.0/5.0 stars **Reviewed by:** Garrett V. | Adjunct Professor, Small-Business (50 or fewer emp.) **Reviewed Date:** May 19, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I use BILL Spend & Expense (Formerly Divvy) for most of our spending, and I really like getting the rewards and not having fees. I'm confident in giving cards to all our employees, which makes expense management much easier. The rewards and flexible card and budget options, including both physical and digital cards, are great. I appreciate getting extra rewards for paying off balances weekly. The initial setup was super easy. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish it more seamlessly integrated with Bill AP. If the budgeting was dynamic with Bill AP and/or Quickbooks it would be perfect. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense for spending management. It simplifies accounting and receipt handling, cuts reimbursement requests, and offers rewards without fees. Giving cards to employees makes expense management easier. It eliminates the need for Excel sheet submissions and physical receipts. **Official Response from Barb W:** > Thank you so much, Garrett, for taking the time to share your wonderful review of BILL Spend & Expense! I’m truly pleased to hear that the convenience of managing both spending and expenses in one platform has made a positive impact on you and your team. It’s great to know that it helps your employees and accountants reconcile and attribute expenses more efficiently. I appreciate your suggestion about syncing written checks—thank you for that insight. We will pass your thoughts on to our team to have them look into the possibility, and have added a document that goes over submitting feature requests for the future. Your feedback is invaluable to us, and we genuinely want to ensure our software meets your needs. Please don’t hesitate to reach out with any more thoughts or suggestions! ### 29. Effortless Expense Management with 24/7 Access **Rating:** 4.0/5.0 stars **Reviewed by:** Jacquelyn D. | Small-Business (50 or fewer emp.) **Reviewed Date:** April 06, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I use BILL Spend & Expense (Formerly Divvy) for managing Per Diem expenses for our sales team's trips. I love the ease of being able to access it 24/7, no matter where in the country our staff is located. I also appreciate how the app links the accounts together, making it easier for us to manage expenses. Additionally, I value the budget limits feature because it prevents staff from overspending. The initial setup was very easy. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I don't like that the budget rules don't link across all budgets. It would be helpful to have the option for which budget rules go to which specific budget that it was created on. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I don't have to track down expense reports. I like accessing it 24/7 from anywhere, and it keeps accounts linked. The budget limits prevent overspending. ### 30. Efficient Spend Management and Impressive Support **Rating:** 5.0/5.0 stars **Reviewed by:** Rich B. | Contoller & Treasurer, Small-Business (50 or fewer emp.) **Reviewed Date:** March 06, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I find BILL Spend & Expense (Formerly Divvy) very efficient with immediate card creation and visibility over every transaction in great detail. The easy-to-follow user interface makes it simple for new users to jump in. I appreciate the long card life of 7 years before expiring, which minimizes payment method turnover. The credit limit being 150% of previous traditional credit cards is a notable benefit. The support is responsive and helpful. The platform makes job and task coding fast, and the receipt upload process is fast and convenient. I like the total individual accountability of users and having total control over limits and budgets. The push notification reminders and the much faster, almost immediate completion of statements ready for accounting are great features. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Adding task codes is unnecessarily deep within the settings, and as an admin, I should be able to add them on the fly for coding transactions with the option to make the new code available to all users from that same screen. I still have to download the CSV of transaction history and sort by job and code to get the report I want each month for accounting. I should be able to customize the output of my transactions or statement tab and also sort and organize by jobs and codes from the website itself. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I find BILL Spend & Expense streamlines job and task coding, makes receipt uploads quick and convenient, ensures individual accountability, provides total control over limits and budgets, and speeds up statement completion for accounting. ### 31. Audit-Ready Expense Workflow That Keeps Recordkeeping and Approvals Effortless **Rating:** 5.0/5.0 stars **Reviewed by:** KB P. | President & Director, Small-Business (50 or fewer emp.) **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** The most useful thing is being able to work through audit-ready submission, recordkeeping, and approvals for expenses all through one workflow and system. It creates much more ease and helps us keep a lean cloud operation while also assisting with audit compliance. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The only thing I don’t like is that there aren’t any Per Diem Reimbursements. I understand why, since we can already handle Mileage efficiently within BILL Spend and Expense, but it’s still something I’d like to have. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** This software helps us keep clarity, transparency, and real-time records of spending and expenses. We would otherwise be bogged down with manual submissions, approvals, and recordkeeping which is time-consuming and distracts employees from their roles. This saves us a ton of administrative time and effort. ### 32. Efficient Auto-Populating Tool That Makes Vendor Connections Easy **Rating:** 4.5/5.0 stars **Reviewed by:** Ngadhnjim M. | AP Specialist, Small-Business (50 or fewer emp.) **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like how simple it is to track spend in real time, issue/manage virtual cards, and keep receipts organized in one place. It also makes approvals and budgeting much easier. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Reporting lacks technicality, notSome workflows feel a bit rigid (coding/categories and syncing), and it can take extra steps to correct or update expenses once they’re submitted many options and variables. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** Expense Management, Vendor satisfaction, payment termsBILL Spend & Expense is solving the problem of untracked employee spending, missing receipts, and slow manual expense reporting. It benefits me by giving real-time visibility into transactions, making it easier to control budgets, collect receipts, and code expenses correctly, which reduces back-and-forth and helps keep the books clean and up to date. ### 33. Easy Transactions and Team Expense Tracking with Helpful Budgeting **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Non-Profit Organization Management | Small-Business (50 or fewer emp.) **Reviewed Date:** January 29, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I really appreciate how easy the transaction portion of BILL Spend and Expense is to use. I can quickly monitor and update expenses for our entire team, which makes staying organized much simpler. The budgeting aspect also helps me keep a close eye on spending and stay on target for our account across the organization as a whole. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I would love a feature that could take our organization’s budget and automatically create the groups and spending limits based on the information provided. Setting all of that up manually takes time, and at times it slowed down the process. It also sometimes wouldn’t save the information because I was creating everything all at once. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** It helps me stay on top of spending and receipts, and it also makes it clear where each transaction should be placed in the budget. I can assign a BILL card to specific expenses, which saves me a lot of time. ### 34. Flexible Spending with Room for Improvement **Rating:** 4.0/5.0 stars **Reviewed by:** Amber S. | Chief Executive Officer **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I use BILL Spend & Expense (Formerly Divvy) to help with recurring and unexpected expenses and building business credit. I like the virtual cards feature, which I can set up for virtual employees. I appreciate being able to set budgets and have clear control over spending on each card. I really enjoy that they focus on building a relationship with me, and I know they care about the business and helping with expenses, which means a lot. I also like the flexibility and control over what I can spend due to the limits they allow. It's great to see transactions and set spending limits for different cards, whether for recurring or unexpected expenses. Using my bank account to pay the card back in a set period, like thirty days, is convenient. It feels good to use the service for what I need. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I feel like the layout of BILL Spend & Expense is actually quite confusing, especially the dashboard, insights, statements, payments, and rewards. It's not really clear how the rewards are beneficial for me. There's also a lot of integrations, which could be overwhelming for someone without a large team. I think it would be better if they simplified the process or had tutorial videos directly on the platform instead of having to look up on YouTube to learn how to navigate these features. Just simplifying it altogether would be really cool. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to pay recurring and unexpected expenses while building business credit. I appreciate the virtual cards for employees, budget control, ease of payment from my bank, and their supportive relationship. It provides flexibility and control over spending limits. ### 35. 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. ### 36. Effortless Expense Management with Seamless QuickBooks Integration **Rating:** 5.0/5.0 stars **Reviewed by:** Marc P. | Controller, Small-Business (50 or fewer emp.) **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the flexibility to give any employee a card if they need one. I can then turn it off until they need it again and not worry they will 'accidentally' use it for personal expenses. The virtual card feature is really nice; you can create a card for a company that requires one, and then cancel that card immediately. I also appreciate that once coded, receipts and expenses upload automatically to QuickBooks Online and don't require any further work on my end. The ability to easily order both physical and virtual cards online by entering a name simplifies the whole process. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** It would be nice if the administration of the QBO integration was a little easier. I'd say the initial setup was challenging. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to simplify card ordering and automate expense uploads to QuickBooks Online, saving time and eliminating manual work. It allows flexible card issuance and quick deactivation to prevent misuse. ### 37. Streamlined Expense Management with Room for AI Improvement **Rating:** 5.0/5.0 stars **Reviewed by:** MCI C. **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I find BILL Spend & Expense (Formerly Divvy) really helpful for giving multiple people in our organization the ability to purchase things within a specific budget, and having the ability to accept or deny requests is useful. I also like the ability on the phone and the app to set up automations, and I think those features really stand out. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I'm not sure why you cannot set up automations for recurring payments or things that continue to come out on the desktop version like you can on the app. I think it'd be really helpful if it could learn through AI and automatically recognize certain transactions, understanding the rhythm or tendencies. Also, I don't really like how the default works; it defaults to every transaction. It would be great if setting up a default applied only to specific transactions. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to keep things organized for our church. It allows multiple people to have spending abilities with budgeting and control. It's really helpful to manage purchases within specific budgets and approve or deny requests. ### 38. Effortless Expense Management with Stellar Support **Rating:** 5.0/5.0 stars **Reviewed by:** Rachel B. **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I just really like the user friendliness; it's really easy to use. It's nice to assign budgets, restrict transactions, and monitor spending on a live basis. I also appreciate being able to strike down transactions and require approvals. The integration with our software, Sage Intact, was a seamless process and super easy to use. The team made setting up BILL Spend & Expense super easy, and they were there to answer questions and assist with our transition. The implementer was great to work with, which made everything really easy. The platform's capabilities are much more broad compared to bank credit cards, which is why we transitioned a few people over to BILL Spend & Expense. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I guess, I think the one thing is we have a spend and expense account and an accounts receivable account, and they didn't merge. So just working on the merging of old and new accounts to be one account versus two separate accounts. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to control cardholder spending and easily reconcile receipts with accounting software. It fixes reconciliation issues by letting users upload receipts via phone. It centralizes cash flow and makes it easy to cut off terminated users' card access. ### 39. Boosts Budget Controls, Needs Better Onboarding Support **Rating:** 5.0/5.0 stars **Reviewed by:** Cameron K. | Founder **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like how BILL Spend & Expense allows my company to move away from chasing receipts from employees, letting us spend more time monitoring purchases and setting better budget controls for various teams. The platform is ideal for a large business setting where managing several different teams and ensuring proper approvals and reviews are crucial. I appreciate that we continue to earn cash back rewards with higher percentages than we previously received with AMEX. The budget tracking and the ability to use the mobile app to upload receipts for purchases immediately are features I find particularly valuable. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Learning the platform was difficult in some areas. I wanted a representative to help more. That didn't occur. Once the account was signed we were dropped like a hot potato. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense helps us manage expenses without chasing receipts, ensures proper approvals, and monitors purchases. We also earn higher cash back rewards than with our previous provider, improving budget control across teams. ### 40. Real-Time Info and a Super Easy Experience **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Mid-Market (51-1000 emp.) **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** the real time information and the super easy way it works. when cards are compromised, divvy always reimburses us for these fraudulent charges **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** The desktop site could use some work. It doesn't like to scroll correctly, as you are scrolling through transactions it will just stop and you have to scroll up then scroll back down. Or it will scroll in an endless scroll, meaning it just keeps showing you the same transactions. Also, when I am "reviewing" the transactions instead of smoothly moving to next transaction (from pop up window on right of screen) it will just show $0.00 transaction. I will then have to go back to transaction list and scroll back down to where I left off. some of our cancelled cards still have charges trying to come through. we've had to replace physical cards due to our cards being compromised. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** lost receipts. we were able to cancel our other credit cards and use Divvy only. ### 41. Automation Simplifies Bookkeeping Tasks **Rating:** 5.0/5.0 stars **Reviewed by:** Rebecca H. **Reviewed Date:** January 28, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love how BILL Spend & Expense automates with QuickBooks and gives control to clients, allowing me to simply review and log what they enter. The syncing really makes things efficient and lets clients categorize transactions for me. It's easy for us to use, and I like that clients can categorize transactions. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I very much prefer, and still use, the name Divvy. The name BILL Spend & Expense is way too long. I have one client with BILL.com for payments and Divvy with a LOC, in which the transactions overlap in a way that makes the Divvy statements incorrect (showing AP Payments). I have to modify the statements in order to properly reconcile the account. It's very odd and took the helpdesk a couple hours to figure out so I could decipher what was going on. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to efficiently log and reconcile transactions with QuickBooks. It automates processes and lets clients categorize transactions, making my job easier. ### 42. 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. ### 43. Streamlined Spending with Stellar Support **Rating:** 5.0/5.0 stars **Reviewed by:** Samuel B. **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the easy and friendly interface of BILL Spend & Expense, which allows for streamlining and customizing our spending policies. I love that we can earn rewards when we spend money on our projects, and that allows us to reward our employees. The initial setup was very easy, thanks to our rep who was very understanding in helping us customize what we needed as a business. It's great for providing easy access to credit and usage, as well as receipt capture and tracking, which helps in the allocation of funds and reviewing purchases. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** Possibly add the option to allow for more approvers such as a chain of command that is not limited to 2 people. Also add the option to track time and enter timesheets for projects. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense for easy access to credit, receipt capture, and tracking. It solves issues with coordination between field and office crews, facilitating fund allocation and purchase reviews. ### 44. Effortless Expense Management, Instant Notifications **Rating:** 5.0/5.0 stars **Reviewed by:** Gabbye R. **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I find the BILL Spend & Expense app awesome for notifying users immediately when there is a transaction to upload a receipt to. I also appreciate the self-service option for cardholders to request more funds, reorder cards, or create virtual cards. For the accounting department, the visibility of credit card receipts in the platform is great, as it eliminates the need to manage a bunch of emails, allowing them to easily see what is open and what is not. Managers like the review process as well. The app and the pricing for the base function were big factors in switching to BILL Spend & Expense, and the initial setup was pretty easy. I'm very likely, a 10, to recommend it to a friend or colleague. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I would like to be able to send reminder emails on demand like if we're getting close to a close period, the accounting manager sends a manual email out. Tracking or reporting for transactions that the user has clicked receipt missing. and possible shut off of account if non reconciled items reach so many days. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense for tracking purchases, providing visibility on credit card spend, and simplifying receipt management. It notifies users instantly of transactions and offers self-service options for card management. Managers enjoy the easy review process. ### 45. Seamless Integration and Time-Saving Features **Rating:** 5.0/5.0 stars **Reviewed by:** Amy P. **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I love the integration with Quickbooks Online, it's a lifesaver because it saves so much time in reconciliation by syncing transactions, which prevents having to enter them manually. The ability to send reminder messages about incomplete transactions is very helpful, as I can edit the messages or use prefilled ones when needed. I also appreciate that I can restrict users from spending if necessary. The budgeting features are amazing, especially the Groups feature that allows department heads to see all budgets under their group, which is very helpful. The reimbursement process is also a huge time saver. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I think everything works well. Although, I think adding a feature to upload your own digital purchasing card policy that each card holder has to sign before being able to use their card would be a nice feature. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense (Formerly Divvy) saves us a ton of time by integrating with Quickbooks Online, eliminating manual entry and paper reimbursements, and keeping budgets organized. I also love its ability to send reminders for incomplete transactions and manage spending limits. ### 46. Simplifies Expenses with User-Friendly Interface **Rating:** 5.0/5.0 stars **Reviewed by:** Josh W. **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like that BILL Spend & Expense has effectively eliminated the cost of Concur and offers a higher rebate than our previous credit card program. It's a win-win. I appreciate how it keeps people current with their submissions because if they don't submit their expenses timely for approval, it freezes their card. This has helped us a lot since we've always struggled with keeping people caught up with their expense reports, which used to be submitted once a month. Now, people are submitting their transactions throughout the month, allowing us to stay much more current with expense recognition. The platform is also very user-friendly, and I've received a lot of positive feedback from users. It's easy for people to quickly submit their expenses, as they can email receipts to automatically attach them. We can set default GL codes and sites, and easily monitor spend by person or vendor. The initial setup was very simple. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I wish setting defaults could be done by vendor rather than by card. I also wish we could give our staff accountant the ability to view the rebates without needing full admin rights. She needs to verify the amounts of the rebates, but that's the one area she can't see with the accountant access she was given. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense eliminates Concur's cost, offers a higher rebate, and keeps expense submissions current. Its user-friendly interface allows easy and quick expense submission and monitoring, with automatic receipt attachment and default GL code setting. ### 47. Streamlined Expense Management for Nonprofits **Rating:** 4.5/5.0 stars **Reviewed by:** Shane E. | Deputy Director of Operations, Non-Profit Organization Management, Small-Business (50 or fewer emp.) **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I like the polished, user-friendly interface in both the browser and the app. We also had a great implementation specialist who helped us get up and running quickly. We have a multigenerational team, and sometimes tech and software adaptation is slow and challenging. We have had zero issues with folks accessing and understanding the BILL Spend & Expense platform, which lifts a huge burden from my shoulders. BILL Spend & Expense eliminates the need for manual reporting, gives quicker access to funds while maintaining security and transparency, and streamlines the reimbursement process for the few cases where that is still needed. We switched from Emburse Spend because it had many bugs, lacked the clean interface of BILL Spend & Expense, and our organization likes BILL's line of credit option more. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I think the approval workflow options could be fleshed out a bit to give greater control of how items get approved. I would like to see an option for 'approver, not final approver': a junior admin with the ability to add users, create cards, and adjust budgets, but not issue reimbursements or finalize card transactions. The initial setup was a bit confusing at first. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense eliminates manual reporting, provides quicker fund access while maintaining security and transparency, and streamlines reimbursement processes for my nonprofit. ### 48. Efficient Expense Tracking with Some Card-Freezing Hiccups **Rating:** 4.5/5.0 stars **Reviewed by:** Iran V. | Office Admin, Small-Business (50 or fewer emp.) **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I use BILL Spend & Expense (Formerly Divvy) to manage my staff's expenses, and it's really easy to use. I've been using it for 2 years and appreciate that they don't change many things around. Making reports is convenient, especially with the automated statements; I can easily look up transactions and attachments even from years ago. The filters are straightforward to use, making it simple to find what I need. I also like that it detects fraudulent charges, and it was easy for me to set up my account and get a card. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I appreciate that BILL Spend & Expense (Formerly Divvy) detects fraudulent charges, but automatically freezing the cards was an issue last year. It took several hours to get in touch with people and they would say the card is not frozen, but it indeed still was, so I went back and forth with that. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** I use BILL Spend & Expense to track expenses, send out new cards, manage transactions, and generate reports effortlessly. ### 49. Great UI and great customer support **Rating:** 5.0/5.0 stars **Reviewed by:** Verified User in Accounting | Small-Business (50 or fewer emp.) **Reviewed Date:** May 14, 2025 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** Honestly, what stands out the most is how seamless and organized it makes managing our spending. In the AI space, things move fast — we're juggling software subscriptions, compute costs, travel, and a ton of little expenses across different teams. BILL gives us real-time visibility and control without slowing us down. The virtual cards are super useful for managing team budgets, and the approval workflows help us stay on top of things without micromanaging. It just feels like the tool was built with fast-moving, modern companies in mind. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** If I had to point out a downside, it would be that the interface can feel a bit clunky at times — especially when you're trying to categorize or reconcile a bunch of expenses quickly. Also, some of the automation features sound great in theory but need a bit more polish to work consistently. In a fast-paced environment like ours, even small inefficiencies can add up. And while the reporting tools are decent, we sometimes wish they offered more customization, especially for how we break things down across projects or teams. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** We used Rippling and it's very bad UI. Divvy has a way better integration . **Official Response from Jenn J:** > Thank you for your phenomenal review of our software! We are so pleased to hear that BILL brings efficiency/organization to managing in a fast-paced AI environment, that it emphasizes real-time visibility and control over various expenses, that our virtual cards are useful for team budgets, and the effectiveness of the approval workflows helps maintain oversight without having to micromanage. Our apologies for any frustration caused by any clunkiness when categorizing or reconciling expenses quickly, that our automation features need more polish for consistent performance, and reporting tools lack customization options for analyzing projects or teams. We appreciate all feedback, as we are always trying to improve our customers' experience with our software. ### 50. Effortless Budget Management and Tracking **Rating:** 5.0/5.0 stars **Reviewed by:** Charlie D. **Reviewed Date:** January 27, 2026 **What do you like best about BILL Spend & Expense (Formerly Divvy)?** I really like the ease of use of BILL Spend & Expense (Formerly Divvy). It's really easy for employees to understand how to use it, unlike other expense systems like Expensify and Concur where expense reports can get complicated. It's just super easy for everyone to use. Also, I can set as many budgets as I want, which I find really helpful. It makes tracking credit card expenses and managing budgets for each location a lot easier, helping to keep books organized and ensuring expenses are categorized correctly. Plus, the initial setup was super easy. **What do you dislike about BILL Spend & Expense (Formerly Divvy)?** I think it would be nice to switch my whole company over to the Divvy cards if they worked more like a credit card where I didn't have to pay the full balance every month. Being able to put that off would help us with the bigger ticket items. Right now, we're putting the bigger ticket stuff on our company Amex. **What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?** BILL Spend & Expense (Formerly Divvy) makes tracking credit card expenses and managing budgets for each location a lot easier. It helps keep our books organized, ensures expenses are categorized correctly, replaces old-school expense reporting, and integrates with QuickBooks. ## 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) - 1 comment, 1 upvote - [View BILL Spend & Expense (Formerly Divvy) pricing details and edition comparison](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews?qs=pros-and-cons§ion=pricing&secure%5Bexpires_at%5D=2026-05-17+01%3A41%3A06+-0500&secure%5Bsession_id%5D=3406f747-2260-47d9-a117-ad77abe2ce58&secure%5Btoken%5D=06feac9f8ff1da48cff235a59170d28c9a2bbbf008ebf2151b8014ba88b5576d&format=llm_user) ## BILL Spend & Expense (Formerly Divvy) Integrations - 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