# 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

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# NetSuite vs BILL Spend & Expense Features and Cost Comparison

Last updated April 1st, 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 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/)

[BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (432)](https://www.capterra.com/p/166905/Divvy/reviews/)

[## NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.2 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/)

Starting Price

Contact vendor

Value-for-Money

3.8

Functionality

4.2

Ease of Use

4

Customer Service

3.8

Reviews Sentiment

Based on [1,991 reviews](#user-reviews)

Positive

1,690

Neutral

206

Negative

95

[## BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (432)](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 [432 reviews](#user-reviews)

Positive

410

Neutral

7

Negative

15

What’s your intended use case?

## Summary

* * *

Key features rated by users

Features selected based on 5,854 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

4.7

Income & Balance Sheet

4.8

Profit/Loss Statement

4.8

Reporting/Analytics

\--

Bank Reconciliation

4.7

User satisfaction

User satisfaction

4.2

User reviews[1,991](https://www.capterra.com/p/135757/NetSuite/reviews/)

Ease of use

4.0

Functionality

4.2

Value for money

3.8

Customer support

3.8

User satisfaction

4.7

User reviews[432](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

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)

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)

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)

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)

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)

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 BluChat..."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6841820)

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)

JD

Jhonny D.

Senior IT Manager

> "In multi-location inventory transfers there are times when the systems fail to synchronise for a while thus giving an appearance of wrong balance of stock at certain locations."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6775299)

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)

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)

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, you..."

[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)

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)

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)

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)

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)

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)

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)

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 for..."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6427290)

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)

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

> "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)

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)

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)

LA

Linda A.

Staff Accountant

> "The initial implementation and ongoing licensing fees are quite high, which can be a significant burden for smaller organizations."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7052245)

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)

AH

Ashley H.

Managing Director

> "From the outset, the implementation of NetSuite was handled incorrectly, causing significant disruptions to our business operations. Whenever we encountered an issue, the standard..."

[See full review](https://www.capterra.com/p/135757/NetSuite/#SoftwareAdvice___6351695)

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)

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)

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)

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)

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)

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 live..."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6476831)

CR

Callie R.

Finance Manager

> "From enhanced efficiency, a reduction of errors, and a consolidation of numerous data sources into one, this has drastically improved our scalability as we take that step from a..."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6811136)

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)

KF

Kat F.

Admin

> "combines accounting, CRM, inventory, e-commerce, and more in one unified platform, Robust dashboards and analytics for better decision-making"

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6817718)

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)

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)

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)

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)

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)

LA

Linda A.

Staff Accountant

> "The ability to customize dashboards and reports is excellent, and the core features like invoicing work very well."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7052245)

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)

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)

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)

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)

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)

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)

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)

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)

CTB

Connor T. B.

Financial Operations Manager

> "I’m particularly fond of the real-time reporting the ability to quickly retrieve financial and operational data enables me to make quicker, better decisions,” he says, “Without..."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6794548)

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)

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)

CP

Carolina P.

Procurement Director

> "I don't understand Why only at this type of events is that the clients undertand all the features and actualizations"

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7094733)

SP

Sonu P.

Systems Analyst

> "NetSuite provides strong value by combining multiple business functions into one platform, reducing the need for separate tools."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113746)

NC

Nick C.

Director of Support and Technology

> "While it's very customizable, the interface itself is cumbersome, non-intuitive, and essentially requires an architect who is fully trained in Netsuite to get the most from it. If..."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6563964)

PJ

Praveen J.

ICT BUSINESS ANALYST

> "It’s a powerful system that brings multiple business functions together, which has helped streamline operations and improve efficiency."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113815)

AD

Aaron D.

Tech Specialist

> "Netsuite is very expensive the features are pieced out so you have to buy additional features."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7030226)

CTB

Connor T. B.

Financial Operations Manager

> "Nsuite has simplified our ability to keep track of financial records, inventory, and order processing in one place."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6794548)

MAK

Muhammad Asif K.

Finance Manager

> "I like alot of functions and easy to use feature of Netsuite however rhe one thing i didnt like is the lagging in terms of performance sometimes.. its frustrating sometimes."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7093176)

US

Umesh S.

Client Success Director

> "It is good and best for the for multi company and country concept with single database and good for scalability"

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7093227)

NS

Nishant S.

Platform manager

> "NetSuite not able to deliver on finished product such as NetSuite next."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7117007)

TD

Tasman D.

Finance Manager

> "It enables a large amount of customisation to enable the system to meet company requirements"

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116933)

HK

Haimal K.

Founder and CEO

> "Also making simple accounting reports is far more complicated than it needs to be, which is ridiculous."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7050186)

HK

Haimal K.

Founder and CEO

> "With a little patience you can really customize your dashboards if you are willing to spend time configuring your own custom fields."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7050186)

LT

Lucas T.

Finance Manager

> "The steep learning curves that comes with Netsuite for a new user can be intimidating."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7116894)

KS

Kevin S.

Ap senior officer

> "The system’s automation reduces manual work, I also appreciate that the platform is highly customizable, which means it can be adapted to different industries and business models."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7002983)

LP

Liz P.

Owner

> "We are 7 people, and most employees have to switch between roles daily to accomplish their goals. When we reach out to NetSuite for help or suggestions, they do not treat the..."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___6282319)

Tony P.

CEO

> "Very positive when using for large organizations while integrating into multiple net suite products including mechanic analysis tools."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7097686)

KK

Kenny K.

Administrator

> "Performance issue specially dealing with large amount of data."

[See full review](https://www.capterra.com/p/135757/NetSuite/#Capterra___7113769)

[View Reviews](https://www.capterra.com/p/135757/NetSuite/reviews/)

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)

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 provide..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6849999)

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)

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 LOC..."

[See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870)

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 thoughtful..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6772799)

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 side..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7010134)

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)

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)

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)

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)

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 pay..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6849999)

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)

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)

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)

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)

AG

Annie G.

Sr. Accountant

> "It seamlessly integrates with ERPS like Netsuite."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6702103)

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 subscription..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7010134)

AF

Adashia F.

Owner

> "USER ACCESS - user friendly, easy to get into"

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7074502)

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)

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)

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 it..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6611906)

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)

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)

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)

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)

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)

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)

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 budgets."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357674)

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)

VR

Verified Reviewer

Executive Director

> "The automatic categorization and receipt tracking saves us so much time, as our organization has three physical locations, multiple departments,..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4133709)

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)

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 the..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4315172)

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)

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 our..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4314747)

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 quickly."

[See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6679582)

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)

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 emailed,..."

[See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6679582)

Maddie T.

System Administrator

> "Because it is so user-friendly, this program has completely changed the way we track our expenditures and enter our data. Because each employee..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___3511606)

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 customer..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6611906)

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)

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)

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 when..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4319628)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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 is a..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357296)

BM

Bradyn M.

CEO

> "Spend and Expense is an absolute nightmare."

[See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870)

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)

MR

Mark R.

Private Security

> "It felt predatory and completely negligent."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6811483)

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)

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)

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 better..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4356980)

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)

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)

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)

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)

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)

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)

KH

Kolin H.

Owner

> "I didn't know that your points that you earn are lost at a point in time if you don't use your card as often."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4877399)

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)

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 the..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4361545)

MC

Marc C.

Facility Manager

> "Divvy also is constantly looking for ways to improve the product and make it better, for instance the dashboard of how many transactions need to..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357185)

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 like..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357061)

TV

Tyler V.

Director of Finance & Operations

> "I can review and approve expenses in real time, with the ability to do it all on my phone."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357006)

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)

KP

Kriste P.

AP Specialist

> "Divvy has been great with holding accountability, to view our spending practices and allow us to set a better budget process in place."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357250)

AH

Amy H.

Owner

> "Customer service is not the greatest."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6529578)

JD

Jonathan D.

Producer

> "It's great to have a business line of credit available; really helped with my cashflow and having a card to give to others over which I have such..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357954)

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)

VR

Verified Reviewer

Controller

> "Switching to Divvy purchase cards have streamlined our processing of credit cards statements exponentially. "

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4314887)

AN

Alfredo N.

CEO

> "The most regrettable thing is that I sent my bank account details. When I passed the video verification, I noticed that my personal data will be..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4652237)

[View Reviews](https://www.capterra.com/p/166905/Divvy/reviews/)

## User interface

4.22 (1,991)

[BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)

4.67 (432)

## 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

No recognitions have been awarded to BILL Spend & Expense

### 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

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4.9

[View full comparison](https://www.capterra.com/compare/166905-268164/Divvy-vs-Wallester)

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.22 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/)

vs

[Odoo](https://www.capterra.com/p/135618/Odoo/) [4.21 (1,291)](https://www.capterra.com/p/135618/Odoo/reviews/)

Contact vendor for pricing

Price

$31.1/month

4.2

Features

4.2

4.0

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/135618-135757/Odoo-vs-NetSuite)

[BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (432)](https://www.capterra.com/p/166905/Divvy/reviews/)

vs

[Budgetly](https://www.capterra.com/p/255448/Budgetly/)[4.89 (134)](https://www.capterra.com/p/255448/Budgetly/reviews/)

$0/month

Price

A$240/month

4.5

Features

4.9

4.6

Ease of Use

4.9

[View full comparison](https://www.capterra.com/compare/166905-255448/Divvy-vs-Budgetly)

[NetSuite](https://www.capterra.com/p/135757/NetSuite/)[4.22 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/)

vs

[Sage Intacct](https://www.capterra.com/p/76/Intacct/)[4.26 (606)](https://www.capterra.com/p/76/Intacct/reviews/)

Contact vendor for pricing

Price

Contact vendor for pricing

4.2

Features

4.2

4.0

Ease of Use

4.2

[View full comparison](https://www.capterra.com/compare/76-135757/Intacct-vs-NetSuite)

[BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (432)](https://www.capterra.com/p/166905/Divvy/reviews/)

vs

[Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.62 (186)](https://www.capterra.com/p/200192/Payhawk/reviews/)

$0/month

Price

Contact vendor for pricing

4.5

Features

4.4

4.6

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/166905-200192/Divvy-vs-Payhawk)