# Compare NetSuite vs BILL Spend & Expense 2026 | Capterra > Unsure of what to choose? Check Capterra to compare NetSuite and BILL Spend & Expense based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/135757-166905/NetSuite-vs-Divvy --- # NetSuite vs BILL Spend & Expense Features and Cost Comparison Last updated July 7th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: NetSuiteBILL Spend & Expense2/4 selected [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.2 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (438)](https://www.capterra.com/p/166905/Divvy/reviews/) [## NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.2 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting Price Contact vendor Value-for-Money 3.9 Functionality 4.2 Ease of Use 4 Customer Service 3.8 Reviews Sentiment Based on [2,052 reviews](#user-reviews) Positive 1,746 Neutral 209 Negative 97 [## BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (438)](https://www.capterra.com/p/166905/Divvy/reviews/) Starting Price Contact vendor Value-for-Money 4.7 Functionality 4.5 Ease of Use 4.6 Customer Service 4.6 Reviews Sentiment Based on [438 reviews](#user-reviews) Positive 415 Neutral 8 Negative 15 ## Send this comparison chart to my inbox ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 6,483 reviews from financial reporting software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 79%Fit Feature ratings Accounting 4.4 Income & Balance Sheet 4.4 Profit/Loss Statement 4.3 Reporting/Analytics 4.1 Bank Reconciliation 4.1 73%Fit Not enough reviews Feature ratings Accounting 4.8 Income & Balance Sheet 4.8 Profit/Loss Statement 4.8 Reporting/Analytics \-- Bank Reconciliation 4.7 User satisfaction User satisfaction 4.2 User reviews[2,052](https://www.capterra.com/p/135757/NetSuite/reviews/) Ease of use 4.0 Functionality 4.2 Value for money 3.9 Customer support 3.8 User satisfaction 4.7 User reviews[438](https://www.capterra.com/p/166905/Divvy/reviews/) Ease of use 4.6 Functionality 4.5 Value for money 4.7 Customer support 4.6 Price starts from Price starts from \-- - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for From pre-revenue startups to mid-size organizations, businesses use NetSuite to automate core processes and get real-time insights into operational and financial performance. Best for Any company that struggles with expense reports, reimbursements, receipts, expensive annual software contracts and other finance headaches. ## User reviews Pros & cons SP Sachin P. Head of business Systems and integration > "Its real-time reporting and scalability were especially valuable for supporting business growth and decision-making. If you want, tell me your role (e.g., finance, ops, sales),..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7123381) RC Ronerissa C. Netsuite Admin > "Bugs and Issues: Occasionally, workflow automations or integrations (like those with Fiton for serial number tracking) can fail or produce duplicate records, requiring manual..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122536) MM Michael M. Netsuite Administrator > "It allows me to tailor solutions to specific business needs, streamline workflows, and build scalable systems that truly support operational efficiency." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116904) PFS Paul Fabian S. Web Deisngner, Developer. > "This limitation reduces efficiency in space planning and order packing, requiring workarounds that add time and complexity to daily operations." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7095982) SY Sadanandarao Y. NetSuite developer > "Furthermore, the ability to create custom records and fields without complex database management ensures the system scales effortlessly with evolving business requirements." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113826) JC Jasmine C. Accountant > "Probably struggling with the fixed assets - when we get errors that come back but not specific detail and have to create support cases to fix eg depreciation record does not exist" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116918) SP Sonu P. Systems Analyst > "It’s a powerful and reliable platform that streamlines business operations, especially in finance and data management. While there is a learning curve and occasional system..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113746) RK Rizwan K. ERP Solution Architect > "Updates or requested improvements can take a significant amount of time to be implemented, which may slow down business processes or limit the ability to adapt quickly to changing..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7123756) GW George W. Information Manger > "I’ve leveraged NetSuite’s customization capabilities, including custom fields and saved searches, to tailor the platform to business needs and help teams move away from outside..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7118269) TD Tasman D. Finance Manager > "At the current time our primary issue is system performance. Although we have reviewed the scripting and workflows and upgraded to 5 processors there still seems to be delays in..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116933) PFS Paul Fabian S. Web Deisngner, Developer. > "It scales well as your business grows, provides real-time visibility across departments, and offers extensive customization options to match complex workflows." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7095982) BN Bill N. Senior Accountant > "Creating saved searches is not very intuitive at times, it can be very difficult to find fields as there are several similar named fields." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116895) SS Shailen S. Accounting Manager > "Real-time multi-entity reporting, seamless consolidation, and scalable automation that streamlines close and improves accuracy across finance processes." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122127) BG Bevan G. Finance Business Partner > "Ability to access the data via reports and searches is somewhat limited which leads to confusion and frustration." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116946) GW George W. Information Manger > "I also appreciated the ability to create custom fields, which allowed us to capture the specific data points that matter most to the business and tailor the system to our unique..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7118269) AW Archie W. Finance Manager > "The complex customization and high subscription costs can make scaling feel like a constant hurdle." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122118) NK Nikunj K. Production and systems engineer > "Users also love its scalability; the "OneWorld" feature handles multi-subsidiary, multi-currency, and global tax needs seamlessly as a company grows. Because it is cloud-native,..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113760) RR Rizvi R. Financial Controller > "Integration issues and slow report performance and the built-in reports are not very useful or informative." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7114422) WX Wei X. Senior financial accountant > "It provides strong financial reporting and good visibility into business data. Once users become familiar with the system, it greatly improves efficiency and helps manage company..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113734) HB Heath B. Controller > "There are thousands of hours of training videos, but they all use the base software and many are out of date for the current user interface." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7156973) CM Christopher M. Director > "I like NetSuite because it brings finance, operations, and reporting into one \*\*cloud-based\*\* platform, so I always have real-time visibility without wrestling with silos or..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122351) SL Shahar L. Business Application Manager > "Creating suite scripts requires development knowledge, i.e. Java script and knowledge of Suite Script configuration. Since this is not accessible to all organization inhouse, this..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6426746) OS Ogi S. Account Payable > "I’ve mainly used it for accounts payable, reconciliations, and reviewing financial data, and it has handled these tasks reliably." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7119019) EM Evelyn M. Senior Accountant > "Customization and reporting often require technical expertise, and support response quality can be inconsistent." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116876) VR Verified Reviewer Lead Applications Development > "As a developer, I have worked extensively with SuiteScript, workflows, and integrations to automate billing, manage large volumes of financial transactions, and connect NetSuite..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113754) VR Verified Reviewer Operations and Logistics Coordinator > "Can be complex to navigate, and implementation and ongoing customization require significant time and cost." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7089219) NC Nicka C. Data System Officer > "As someone with with experience with various ERPs, NetSuite has the edge in terms of 3rd party application integrations, okay customer support, and reports for actual vs budget..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7143936) SB Stephan B. Digital Marketing Manager > "The UI is extremely outdated, the browser compatibility is limited, and input fields exhibit odd behaviors such as defaulting to random values or counterintuitive keyboard..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6654928) GZ Grace Z. Financial controller > "For example it can pick up memo of electricity bill, it allowed us to allocate expenses to correct period, improved forecast and budget process." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7117599) KZ Ke Z. Senior Accountant > "In addition, some reports and workflows are not very intuitive to set up, which can slow down daily operations." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116865) DC Dirk C. ERP administrator > "It brings financials, inventory, and operations together in one unified platform, giving you real-time visibility across the business." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116902) YH Yael H. Corporate Controller > "Billing schedules are very challenging- for example quarterly billing for 2 years and for 1 year requires 2 different billing schedules, the system can only divide the quantity..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6427290) PJ Praveen J. ICT BUSINESS ANALYST > "You can manage financials, inventory, orders, and customers without jumping between different systems, which makes processes much smoother and more reliable." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113815) PLC Pepukai Loyd C. Senior Global AR Assistant > "The interface is not always intuitive, and it often takes time and proper training to fully understand how to navigate and use all its features effectively." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122183) KY Keson Y. Accountant > "I especially value its real-time reporting and dashboard capabilities, as they support faster decision-making and better visibility across the business." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116869) ES Edward S. Statutory and Regulatory Reporting Specialist > "Can be slow at times to run larger reports. If trying to see data across the whole organization, this can be considerable." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113755) NK Nikunj K. Production and systems engineer > "NetSuite’s biggest "pro" is its unified database, which creates a single source of truth across finance, CRM, and inventory." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113760) MT Mark T. Group Financial Controller > "The Fixed Asset module is slow and clunky and lacks certain reports that auditors would expect." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122132) OS Ogi S. Account Payable > "What I like most about NetSuite is that it keeps financial and operational data in one place, which makes it easier to follow transactions from start to finish." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7119019) NJ Nicolas J. FPA manager > "Implementation times and cost , for every feature being behind a paywall or additional licensing hard to asses from the start" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113849) OS Ogi S. Account Payable > "Over time, I’ve become more comfortable with features like saved searches and reporting, which help me work more efficiently and keep track of outstanding items or exceptions." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7119019) VR Verified Reviewer Product owner > "biggest downsides are cost, complexity, and the effort required for implementation and customization" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7104180) RK Rizwan K. ERP Solution Architect > "Instead of relying on rigid, one-size-fits-all approaches, a customizable solution adapts to changing requirements, integrates with existing tools, and scales alongside growth." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7123756) VR Vanesa R. Global Accounts Payable Manager > "The price is quite high if you want to get the full functionality of the system. And sometimes it is a bit difficult to find how the work" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122216) AG Andres G. BUSSINES ADMINISTRATION > "The real-time reporting and data visibility are especially valuable for decision-making. Although there is a learning curve at the beginning, once you become familiar with the..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7096847) VR Verified Reviewer Controller > "The gap between what NetSuite promises in the sales cycle and what their implementation and support teams actually deliver is massive." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7134221) LA Leandro A. Senior Accountant > "NetSuite offers strong integration, real-time data visibility, and scalable workflows. And the Netsuite Next will bring lots of benefits." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7121811) LF Lachlan F. GM of Finance > "In recent time we have occassionaly encountered issues with speed of loading pages, which is impacting productivity" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7114435) JV James V. It Support Officer > "NetSuite provides a centralized system where financials, jobs, and operational data can all be managed in one place." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113840) MK Mack K. COO > "Then on the item receipt, we can't see the total dollar value per line so the guys are constantly receiving parts at the wrong dollar value, making AP's job really difficult. And..." [See full review](https://www.capterra.com/p/135757/NetSuite/#SoftwareAdvice___6403782) LF Lloyd F. Director > "The way that Oracle netsuite have embraced AI to turbo charge its operation. And enable users to become more intelligent about the date they are using in less time" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122349) LO Lori O. Controller > "The customization that needed to happen to fit NetSuite into our current work processes and the transferring of data from our QB system to NetSuite was not smooth due to going..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6476831) PLC Pepukai Loyd C. Senior Global AR Assistant > "What I liked most about NetSuite is its ability to centralize all key business functions into one unified, cloud-based system." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122183) AH Ahmad H. Finance manager > "Prices and the customer service if we are on the normal one we will never have enogh answer and its always short" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7093163) SGD Stephanie Gail D. General Accountant > "As a general accountant in our company, Netsuite helps me in giving me appropriate financial reports in order to report in the management" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7139979) GA Gabby A. Business Analyst > "Sometimes system can be slow especially on the payroll mode due to having many scripts." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113819) TZ Teresa Z. FC > "What I like the most about NetSuite is its innovative AI technology, which could significantly reduce the amount of manual work involved within the business" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116877) NC Nissam C. ERP Consultant > "NetSuite can be expensive, complex to customize, slow at times, and requires training to use effectively." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7093156) KY Keson Y. Accountant > "Overall, NetSuite stands out for its ability to streamline processes, strengthen financial oversight, and support scalable growth in a practical, user-friendly way." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116869) SB Stephen B. Accountant > "Works well for most aspects but FSM lets it down and is time consuming to manage with rubbish data." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116899) JC Jessa C. Customer Service Support > "Finance, sales, inventory, and reporting all connect smoothly, and having real-time visibility into operations is a big advantage." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7140006) SP Sonu P. Systems Analyst > "The system has a learning curve, and the interface can feel outdated at times." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113746) SY Sadanandarao Y. NetSuite developer > "It is a powerful tool for any organization that requires a scalable, cloud-native ERP to centralize its operations and technical stack." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113826) RR Rasilkrishnan R. Master Data Manager > "This makes issue in our system my duplicate creation of records." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116977) AG Andres G. BUSSINES ADMINISTRATION > "It’s a robust and comprehensive platform that helps streamline financial and operational processes within a single system." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7096847) FN Fiona N. CFO > "The lack of flexibility to build management reports to requirements." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116937) AS Anastasia S. Accounting Manager > "What I like most about NetSuite is its all-in-one structure—financials, reporting, and operations in one place." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116917) RK Rizwan K. ERP Solution Architect > "One of the main drawbacks is the delay in adding enhancements and new features." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7123756) GW George W. Information Manger > "I started on the operations side as an end user, which gave me a ground-level understanding of how the system supports day-to-day business processes." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7118269) EA Erwin A. Senior Financial Controller > "No module for property and real estate, hospitality, property management aren’t as available." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116903) HV Hernan V. CFO > "It provides the right tools, realiable data in real time that allow to take strategic decisions with less margin error." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7094715) PLC Pepukai Loyd C. Senior Global AR Assistant > "The implementation process can also be lengthy and resource-intensive for businesses without dedicated IT support." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122183) KZ Ke Z. Senior Accountant > "Having financials, CRM, inventory, and reporting connected in real time makes operations far more efficient and reduces manual work." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116865) ES Ekadashi S. Administrative Assistant > "We used to have a customized item to insert multiple serial numbers in one go but now I have to do it one by one because the customization went away and we do not want to keep..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6577886) KZ Ke Z. Senior Accountant > "I also appreciate its cloud-based accessibility, which allows teams to collaborate from anywhere without complicated infrastructure." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116865) AH Adam H. Dir. IT Program Management > "The inability to communicate within the software via a 'chatter' type functionality. While we could leave notes and comments, there wasn't a way to tag users/groups without..." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6841820) NC Nicka C. Data System Officer > "What I kike about NetSuite is how easily to store data and generate reports including how easy the integration from other application" [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7143936) PLC Pepukai Loyd C. Senior Global AR Assistant > "Another downside is that certain tasks may take more steps than expected, which can slow down productivity." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122183) PLC Pepukai Loyd C. Senior Global AR Assistant > "Beyond that, I appreciate how everything is integrated into one system, which makes managing financials, customers, and operations much more efficient." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7122183) PJ Praveen J. ICT BUSINESS ANALYST > "Performance can be inconsistent at times, especially during large data loads." [See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113815) [View Reviews](https://www.capterra.com/p/135757/NetSuite/reviews/) JR Jennifer R. Teacher > "What I like best about BILL Spend & Expense is that it gives real-time control, automation, and organization of spending, making expense..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7150493) VR Verified Reviewer Manager, Accounts Payable > "I also find it challenging at times to map and integrate custom fields or make changes to existing fields." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7132154) LA Luz A. Controller > "From an accounting perspective, it demonstrates strong performance in its ability to communicate and synchronize data with other systems." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7151073) VR Verified Reviewer accounting support > "There was no way for us as an end user to seethis, and none of the support people were able to see this because -- the BILL Spend & Expense..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7010134) LA Luz A. Controller > "The platform is easy to implement and manage, and from a managerial perspective, it provides strong monitoring capabilities—making it an..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7151073) CS Carmel S. Media > "so it makes it impossible not to add them to my subscriptions and as a freelancer I do not have the ability to tolerate subscriptions that..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6849999) VR Verified Reviewer President > "Easy to use with strong reporting features, making expense tracking and financial management efficient." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7158404) VR Verified Reviewer accounting support > "Someone on your team will be spending a lot of time navigating why something isn't working, only for a tier 2 rep or a manager to tell you to..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7010134) LT Luka T. Payroll manager > "I’ve been using Bill Spend & Expense for managing company spending, and it has completely streamlined the way we handle expenses." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7019148) BM Bradyn M. CEO > "So in summary - by unclear information and a weird type of LOC - for $38 you can quickly have $20K removed from your bank account to prepay a..." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) VR Verified Reviewer Manager, Accounts Payable > "Making this change has made reconciling, making adjustments all if it much easier." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7132154) RG Russell G. CTO > "We often hit hiccups with budgets not refilling, cards not working, frozen cards that cannot be unfrozen, and so on and so on." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6611906) VR Verified Reviewer accounting support > "Uploading and managing receipts is easy; issuing cards and creating "virtual cards" are all wonderful." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7010134) VR Verified Reviewer accounting support > "This was the suggested solution for-- you will not believe this -- our account was set up incorrectly and we were paying double in..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7010134) HN Hallye N. Operations Manager > "Bill has been great for management in our company with budgeting and tracking." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6864508) HN Hallye N. Operations Manager > "I do not like that we cannot sync photos from Bill to QBO." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6864508) BM Bradyn M. CEO > "It can allow you to have a "line of credit" for the month to ease cash management." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) RG Russell G. CTO > "The thief took them and spent $1000 on the employee’s personal credit card before it was frozen but spent $36,000 on the company card without..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6611906) EG Emma G. Head of Implementation > "It’s clear that BILL understands how frustrating expense tracking can be, and they’ve streamlined the experience in a way that feels..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6772799) BM Bradyn M. CEO > "It draws the cash from my bank account like an ACH transaction (so I assumed it was going to work, but like Bill always does, I had to wait..." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) JJ Jake J. Pastor > "My ability to get a high volume of rewards for spending on business expenses through our non-profit." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6679582) AA Ashlyn A. Head Athletic Trainer > "The app can sometimes have glitches, which delays the time of submittkng receipts and info." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6473877) KT Krystal T. Software Solutions Assoc > "I love the transparency and opportunity to have a real time look into your company's spending and the ability to code and sync directly into..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6037593) VR Verified Reviewer Manager, Accounts Payable > "On occasion I find a feature that I need is not available." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7132154) CC Chris C. Manager, Business Development > "I love how quickly expenses populate in the app/online." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7027956) CS Carmel S. Media > "Nothing, they are essentially a middle man between my clients and my money and they are just an additional monthly fee that I am forced to..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6849999) AG Annie G. Sr. Accountant > "It seamlessly integrates with ERPS like Netsuite." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6702103) BM Bradyn M. CEO > "So I now have “prepaid” from my business account almost $20,000 toward cards I CAN’T EVEN USE." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) AF Adashia F. Owner > "USER ACCESS - user friendly, easy to get into" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7074502) JJ Jake J. Pastor > "Now that the tech is also broken (and nobody has shared any corrective plans or measures) we will have to start looking for other options..." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6679582) AM Angela M. COO > "well at first it was easy to use ." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7144660) JJ Jake J. Pastor > "Not only did they not call me back later that day during the window agreed on, but it has now been two additional days and nobody has..." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6679582) KI Kenneth I. Window cleaner > "I am able to get through the month knowing what i've spent and not going over budget" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6569723) MR Mark R. Private Security > "There was no notice, no option to schedule repayment, and no transparency." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6811483) ML Madison L. Business Development Manager > "BILL has been so easy to use and makes keeping track of receipts and budget very easy" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6504584) RG Russell G. CTO > "Our overall experience with Bill was defined by one event which was handled so poorly and illegally that we feel like every potential..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6611906) AH Amy H. Owner > "The app is easy to use and it automatically categorizes expenses." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6529578) JJ Jake J. Pastor > "Users can't access budgets they clearly have access to from an administrator." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6679582) LT Lauren T. Legal Affairs > "As a user, the app features allowing for mobile upload or live photo capture allow the instant completion of the transaction, saving time by..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4318424) EG Emma G. Head of Implementation > "The fact that we still struggle to get people to submit them shows just how mundane and annoying this task can be for companies." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6772799) RP Ronald P. Owner > "I like that it can let me track our team's expenses in real time and we can categorize them by type and customer to help with tracking..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357674) BM Bradyn M. CEO > "It is slow, clunky, bad customer service, unclear how things work before you sign up, and can ruin you." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) VR Verified Reviewer Executive Director > "The automatic categorization and receipt tracking saves us so much time, as our organization has three physical locations, multiple..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4133709) JJ Jake J. Pastor > "It's pretty clear to me when a company slacks on customer support that they are focused more on the bottom line than their clients." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6679582) NB Nathan B. VP of Training and Ops Services > "Using Divvy has allowed us to organize our brand's budgets in a way that will enable our team to have access to the money they need while at..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4315172) BM Bradyn M. CEO > "Then my payment “comes in” as a credit card that I didn’t select both times!" [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) LH Laura H. Chief of Staff > "One of the biggest things that Divvy has helped us with is bookkeeping and categorization, and as a result we have been able to stick with..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4314747) RG Russell G. CTO > "Given that a typical company might have many cards in many places at once, this is particularly problematic." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6611906) Juan B. CEO > "The combination of my credit card and the intuitive software has greatly simplified the entire process." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4903807) CS Carmel S. Media > "They are charging me money for doing nothing other than holding my money hostage every month." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6849999) HL Heather L. Bookkeeper > "The fact that Divvy syncs overnight to my accounting system makes it so that our expenses can be tracked in "nearly" real time as opposed to..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4358564) BM Bradyn M. CEO > "Meanwhile my bank account is out the money, and I personally am out $20,000." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) DM Daniel M. Director of Finance > "Free software, plus cash back rewards, and users love the experience of no more expense reports and just instantly coding their transaction..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4319628) CS Carmel S. Media > "I was essentially forced into purchasing this subscription or I would not be able to get paid." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6849999) KT Krystal T. Software Solutions Assoc > "Coupled with it's low price of FREE-99, it offers great control over expenses in a real time capacity." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6037593) EG Emma G. Head of Implementation > "I don't completely understand the use of the virtual cards." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6772799) AA Ashlyn A. Head Athletic Trainer > "As someone who uses a Divvy card frequently it is very user friendly." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6473877) MR Mark R. Private Security > "I would never recommend this platform to any business owner who values stability, trust, and responsible financial practices." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6811483) VR Verified Reviewer Controller > "The flexible budgeting controls allows us to issue cards to more staff and process more invoices via credit card. " [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4314887) VR Verified Reviewer accounting support > "I'm so baffled that this has been our experience, and really caution anyone considering choosing BILL." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7010134) AL Antonella L. Accountant > "I like that it makes accounting easy and offers best features for expense management and reporting" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6208595) ES Erin S. Accountant > "So fare it has been so bad, that we are considering going back to paper reimbursement forms and paying our employees on the payables side." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6180763) ES Erin S. Accountant > "I liked the idea of using the app and making expense re-imbursements easier for the employees." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6180763) KT Krystal T. Software Solutions Assoc > "The least robust features are reimbursements and account mappings." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6037593) RH Rebecca H. Accounting Support Coordinator/Notary Public > "Staff being able to code and add receipts is a big thing I like about this software; splitting between classes and expense codes by percent..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357296) Ravi B. CEO > "its not a credit card and the billing practices prior to bill.com taking over were questionable at best." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___5020507) NS Neal S. CFO > "Great free resource that provides spend tracking, budget management, and accounting software integration." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4315126) KD Kristine D. Controller > "Managers don't check and can have employee requests languishing there for weeks- Reimbursements don't hit employee accounts for days after..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4361545) EB Erin B. Purchasing Coordinator > "I like that it integrates with our accounting program and users are able to upload receipts and code their own transactions." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357022) BM Bradyn M. CEO > "Spend and Expense is an absolute nightmare." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) CN Cameron N. Founder/CEO > "Divvy makes it very easy as a micro company (2-10 employees) to track, organize, and report on internal operational expenses and make..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4356980) MR Mark R. Private Security > "It felt predatory and completely negligent." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6811483) AC Arie C. Analyst > "Easy and free expense management platform for tracking expenses, keeping records, and submitting reimbursement requests." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___3822960) HF Harrison F. Controller > "st round with production implementation specialist was lazy, non-responsive, "Goal of 24 hour response time" was a pathetic goal and was more..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357061) WF Wendy F. CEO > "Customer service is responsive and the application makes it very easy to order new cards, suspend cards, and allows for virtual cards." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4318498) IA Isaiah A. IT Solutions Specialist > "Some physical cards were not delivered properly." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___5020113) KD Kristine D. Controller > "It's streamlined our expense reporting process, keeps all expense records within a single system and costs us nothing. " [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4361545) AH Amy H. Owner > "Customer service is not the greatest." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6529578) PE Preston E. CFO > "You have tons of capabilities as an administrator to put controls in place and to monitor all of your company's spending habits at a glance." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4315023) ES Erin S. Accountant > "Employees have to wait over 2 weeks to get their money." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6180763) [View Reviews](https://www.capterra.com/p/166905/Divvy/reviews/) ## User interface 4.23 (2,052) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) 4.67 (438) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit Access Controls/Permissions 207 Important Accounting 150 Important Activity Dashboard 120 Important NetSuite Top features 35/38 - Access Controls/Permissions - Accounting - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Approval Process Control - Audit Trail - Bank Reconciliation - Billing & Invoicing - Budgeting/Forecasting - Cash Flow Management - Cash Management - Compliance Management - Consolidation/Roll-Up - Customizable Reports - Customizable Templates - Dashboard - Data Import/Export - Data Visualization - Expense Tracking - Financial Analysis - For Investors & Traders - General Ledger - Generative AI - Income & Balance Sheet - Multi-Company - Multi-Currency - Profit/Loss Statement - Purchase Order Management - Real-Time Data - Real-Time Reporting - Receipt Management - Reporting/Analytics - Self-Service Reporting - Third-Party Integrations - "What If" Scenarios - Workflow Management [See all features](https://www.capterra.com/p/135757/NetSuite/#features) BILL Spend & Expense 33/38 - Access Controls/Permissions - Accounting - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Approval Process Control - Audit Trail - Bank Reconciliation - Billing & Invoicing - Budgeting/Forecasting - Cash Flow Management - Cash Management - Compliance Management - Consolidation/Roll-Up - Customizable Reports - Customizable Templates - Dashboard - Data Import/Export - Data Visualization - Expense Tracking - Financial Analysis - For Investors & Traders - General Ledger - Generative AI - Income & Balance Sheet - Multi-Company - Multi-Currency - Profit/Loss Statement - Purchase Order Management - Real-Time Data - Real-Time Reporting - Receipt Management - Reporting/Analytics - Self-Service Reporting - Third-Party Integrations - "What If" Scenarios - Workflow Management [See all features](https://www.capterra.com/p/166905/Divvy/#features) ### Recognition No recognitions have been awarded to NetSuite BILL Spend & Expense is recognized as a top-rated tool in 3 Capterra Shortlist reports Best Value Spend ManagementSoftware (2022)  ### Deployment & support NetSuite Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos BILL Spend & Expense Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details NetSuite - By Oracle - Located in United States - Founded in 1977 BILL Spend & Expense - By BILL - Located in United States - Founded in 2006 ## Popular Comparisons [NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.23 (2,052)](https://www.capterra.com/p/135757/NetSuite/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Contact vendor for pricing Price $38/month 4.2 Features 4.3 4.0 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/135757-190778/NetSuite-vs-QuickBooks-Online) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (438)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) $0/month Price Contact vendor for pricing 4.5 Features 4.8 4.6 Ease of Use 4.9 [View full 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