# Compare Zoho Expense vs BILL Spend & Expense 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Zoho Expense and BILL Spend & Expense based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/142384-166905/Zoho-Expense-vs-Divvy --- # Zoho Expense vs BILL Spend & Expense Features and Cost Comparison Last updated July 9th, 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: Zoho ExpenseBILL Spend & Expense2/4 selected [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.6 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (438)](https://www.capterra.com/p/166905/Divvy/reviews/) [## Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.6 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) Starting Price $3.00/month Value-for-Money 4.6 Functionality 4.5 Ease of Use 4.6 Customer Service 4.5 Reviews Sentiment Based on [1,215 reviews](#user-reviews) Positive 1,176 Neutral 26 Negative 13 [## 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 8,373 reviews from expense report 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 65%Fit Missing features Feature ratings Expense Tracking 4.7 Receipt Management 4.7 Expense Claims 4.6 Invoice Management NA Timesheet Management NA 64%Fit Missing features Feature ratings Expense Tracking 4.8 Receipt Management 4.8 Expense Claims 4.4 Invoice Management NA Timesheet Management NA User satisfaction User satisfaction 4.6 User reviews[1,215](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) Ease of use 4.6 Functionality 4.5 Value for money 4.6 Customer support 4.5 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 $3Per User, Per Month - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for Zoho Expense is an expense and spend management solution for mid-market and large enterprises Best for Any company that struggles with expense reports, reimbursements, receipts, expensive annual software contracts and other finance headaches. ## User reviews Pros & cons VR Verified Reviewer Finance Comptroller > "For our operations, features like OCR receipt scanning, automated policy checks, and real-time mileage tracking are spot-on and "fit..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125431) Santiago G. Administrator > "The OCR receipt scanning can sometimes be a bit slow to process, and it occasionally misreads faded or crumpled receipts, requiring..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7176246) VR Verified Reviewer NA > "The automated receipt scanning (auto scan) feature is a massive timesaver; it accurately extracts data so users don't have to enter..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7152313) AM Albert M. Senior Operations Strategist > "One thing that's a more inconvenience than a con, is being able to select multiple reports to export to QuickBooks online at a time." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7087893) VR Verified Reviewer Finance Comptroller > "The mobile app and web dashboard have clean, intuitive interfaces—no steep learning curve for our field reps submitting claims on..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125431) VR Verified Reviewer Finance Comptroller > "On the flip side, In a world of nation-state hackers and phishing pros, I worry about vulnerabilities in third-party integrations or..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125431) SB Sargam B. Founder's Office > "Auto-scan for receipts, multi-currency support, and seamless integration with Zoho Books are standout features." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125558) SN Sinethemba N. two IC > "The interface can be confusing at first, especially when working with advances, reimbursements, and company-paid expenses." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7162028) AO Adrian O. Finance > "Corporate card feeds and automatic matching of transactions to receipts further streamline reconciliation and give finance better..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125520) Lemuel W. owner > "I don't like how corporate cards can't be set for reimbursement. And deleting cards proved difficult." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7106926) CC Camille C. Operations and Finance Manager > "It seems to work well for day-to-day expense tracking and approvals, but it is less flexible for organizations with complex,..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7087188) KS Kerri S. Creative Director > "I would like to be able to add in my own boxes for additional notes but cannot do this." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7078998) Sasha-Gaye E. Principal Designer > "It also supports delegation well, allowing a virtual assistant to handle expense logging without exposing sensitive financial data." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7149776) Dawn W. Controller > "Frankly, the training videos were difficult to understand, and I have yet to find a straight-forward, go-to user manual to share..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131695) Christian L. Police Officer > "What I liked most about the product is that I could link my business credit card and the software could track expenses in real time..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7058399) PS Pushpendra S. Travel Desk Executive > "Some of the features are not available for Indian version like currency change." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131948) Kayode A. Co Founder > "The easy, real-time sync with Zoho Books ensures our expense data flows instantly into our ledgers without any hassle." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7146253) Ovi R. MD > "the initial setup and policy configuration can feel a bit overwhelming because there are so many settings." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7156894) AO Adrian O. Finance > "Reporting and analytics provide a clear view of spending patterns, which helps with budgeting and internal controls" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125520) Viraj G. Professional Golfer > "With uploading/linking a specific card, it takes a long time and can be difficult to sift through credit card statements to find..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6517824) NW Nathan W. CEO > "The matching is not perfect yet, and some expenses still require cleanup or manual attention, but the automation is still a major..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) VD Vishal D. Sales Manager > "Customization takes time as I had to watch tutorials just to configure certain policies properly." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7047486) PS Pushpendra S. Travel Desk Executive > "This also aligns with our goal of having a budget friendly but secure travel and expense portal to streamline our internal process." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131948) VD Vishal D. Sales Manager > "At times support responds quickly, but during peak days it feels like the queries go into the queue and take longer than expected." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7047486) EG Emily G. Designer > "I can keep and organize all of my receipts related to my business and categorize them. Plus I enjoy that it allows you to have..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7065806) RG Racquel G. Chief Innovation Officer > "I think the delegate notifications are not intuitive, and therefore, it's not useful as a CEO for my assistant." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6855085) RG Rushikesh G. Senior Manager of Operations > "The payment processing and approval workflow are smooth and customizable, making expense tracking and approvals hassle-free." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7046902) SB Susanna B. Controller > "We are seeking a reasonably priced expense program to end the reign of the terrible spreadsheets that get emailed around for..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7038982) AR Anna R. Owner > "Auto scan makes organizing and inputting receipts a breeze, and I love that I'm able to have all 3 of my businesses under one..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7060899) AR Anna R. Owner > "Honestly, there's nothing I don't like. Although I wish a few more auto scans were allowed each month with my level of subscription." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7060899) NW Nathan W. CEO > "What I like most about Zoho Expense is the receipt submittal process and the automated matching." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) VR Verified Reviewer Shareholder > "They never bothered to follow up, didn't offer an alternative appointment ( oh, I had to sift through their calendars!) and once I..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6586838) Jeff P. President > "I liked the integration with Quickbooks Online the best, it makes our life way easier to have an expense tool that doesn't have bugs" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7101617) Sasha-Gaye E. Principal Designer > "Without that structure, things can become disorganized." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7149776) JC Jonathan C. Service Manager > "The portal to a company card and mileage tracking cuts expense report time down significantly for my service department." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7053770) CF Chris F. Consultant > "Was a bit tricky to connect to my other Zoho account because I accidentally created a new account in Expense." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6867589) NW Nathan W. CEO > "It makes it much easier for users to submit expenses quickly and helps reduce manual review time." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) LF Li F. Treasurer > "Also, as an admin, it was difficult to go through CSG Forte." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7139804) CtM Cátia M. ServiceNow Consultant > "The platform is also highly customizable, with features like approval workflows, budget tracking, and detailed reporting to suit..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6525416) NW Nathan W. CEO > "The main downside is that there is a bit of a learning curve at first." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) MV Miguel V. Engeenering > "Zoho Expense offers automated receipt capture, a user-friendly interface, and seamless integrations with accounting tools like..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6686791) DS Deepesh S. Developer > "Sometimes, mobile apps can occasionally lag or crash when uploading multiple receipts at once." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6783143) VR Verified Reviewer Owner > "I can track my expenses easily and as well as my income which will help assist me with my professional reports in the near future" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6872438) TB Tara B. Human Resources Executive > "At first we didn't realize that we needed to create report to submit an expense." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7022062) VR Verified Reviewer Owner > "Seamless Invoice Management: The integration with invoice management keeps everything organized, ensuring that expenses and invoices..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6541211) JG Jay G. Marketing Manager > "The "admin view" can be quite overwhelming." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131654) JM Juan M. Owner > "Also like that it interfaces with Zoho Books, which although I haven't tried, appears to be very useful to make record keeping..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7088041) MB Marvyn B. Owner > "The only thing I do not like is that you cannot bundle services or companies." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7071911) JoA João A. manager > "Also an excellent automation for receipt capture and expense categorization." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7174175) PRO Pranav Raj O. Owner > "User interface is a bit issue." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7171881) JG Jay G. Marketing Manager > "It's user friendly and the approval "alerts" help staff feel comfortable that their expenses are being reviewed and processed." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7131654) VD Vishal D. Sales Manager > "The reporting is good and functional but not very visually rich from my point of view." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7047486) Louren R. Director of Operations > "Zoho Expense has streamlined my organizations receipt submission process." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7078431) VR Verified Reviewer Director > "I suppose if I had to come up with another criticism it's that I often had to Google how to do something as the built in help was a..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6837220) PRO Pranav Raj O. Owner > "I like that how easy tracking the expenses the app has made specially integrated with other application.s" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7171881) MH Mark H. President > "That I cant enter without first pulling up the respective report and that you HAVE to have data to enter." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6802255) MA Mubashir A. Senior Accountant > "What I liked most about Zoho Expense is its intuitive and user-friendly interface, which simplifies the process of managing and..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6753353) VR Verified Reviewer Owner > "The export to excel was not customizable and had too many columns" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6809173) VR Verified Reviewer NA > "It integrates nicely into our workflow, and despite a slight learning curve at the start, it offers excellent value for the money." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7152313) Viraj G. Professional Golfer > "At times, the portal takes a long time and can produce error or timing out." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6517824) CW Chris W. Tennessee Area Sales Manager > "I like being able to snap a pic of my receipt and load all the info needed as soon as I get a receipt." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6883408) BH Bobby H. CEO > "Sometimes, matching receipts to existing expenses can be cumbersome." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6542444) AL Antonella L. Accountant > "The product is a reliable expense management platform with comprehensive suite of tools that ensures automation different business..." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6601070) BM Brandon M. Owner > "The minimum uploads per day is low." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7054046) MV Miguel V. Engeenering > "It also provides customizable approval workflows and a mobile app for easy expense tracking." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6686791) BL Brooks L. Owner > "I found the initial setup and customization process to be somewhat time-consuming." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6533674) CT Christian T. Assistant Accountant > "Simple interface, Lots of customizations, bug free, ease of use for both admin and submitter access." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7087609) GG Geremie G. SVP > "Categorizing receipts on the app is not as easy as it could be." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6763495) EB Erick B. Director of design and research > "The software is well suited in expense management and spend control." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7169875) SH Sachin H. Director > "Customer support was not very prompt and infact I still have the query not addressed" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7035722) DS Deepesh S. Developer > "Zoho Expense makes expense tracking effortless with its amazing interface and smart receipt scanning." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6783143) BL Brooks L. Owner > "The learning curve can be steep at first, especially for those new to expense management software." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6533674) Jishnu M. Project Manager > "the security of the software was outstanding as it provides more authentication features." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7141632) JM James M. Owner > "Find it difficult to connect and download with Zoho books." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6402979) CC Camille C. Operations and Finance Manager > "Support tickets are handled quickly, and follow-ups are consistent until issues are resolved." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7087188) VR Verified Reviewer Registered Clinical Counsellor > "I can't figure out how to categorize my expenses." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___6513870) NW Nathan W. CEO > "Zoho Expense has been a very solid expense management tool for our business." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7166166) SC Shaun C. Manager > "It does not inegrate with all expense cards - we use Tide which does not work with Zoho but this is not a big major problem at all." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#GetApp___5014056) SB Sargam B. Founder's Office > "The approval workflow and policy enforcement save us a lot of time." [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___7125558) VR Verified Reviewer Owner > "Customer support is not in country or local" [See full review](https://www.capterra.com/p/142384/Zoho-Expense/#Capterra___6656732) [View Reviews](https://www.capterra.com/p/142384/Zoho-Expense/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 4.62 (1,215) [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 Integration 150 Important Activity Dashboard 120 Important Zoho Expense 32/42 - Access Controls/Permissions - Accounting Integration - Activity Dashboard - AI Copilot - API - Approval Process Control - Audit Trail - Automated Receipt Matching - Billable & Non-Billable Hours - Budgeting/Forecasting - Categorization/Grouping - Compliance Management - Corporate Card - Credit Card Management - Customizable Fields - Customizable Templates - Data Import/Export - Duplicate Detection - Electronic Payments - Expense Claims - Expense Tracking - Financial Analysis - Generative AI - Invoice Management - Mileage Tracking - Mobile Access - Mobile Receipt Upload - Multi-Currency - Optical Character Recognition - Policy Management - Real-Time Notifications - Real-Time Updates - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Secure Data Storage - Single Sign On - Spend Control - Third-Party Integrations - Timesheet Management - Workflow Management [See all features](https://www.capterra.com/p/142384/Zoho-Expense/#features) BILL Spend & Expense Top features 35/42 - Access Controls/Permissions - Accounting Integration - Activity Dashboard - AI Copilot - API - Approval Process Control - Audit Trail - Automated Receipt Matching - Billable & Non-Billable Hours - Budgeting/Forecasting - Categorization/Grouping - Compliance Management - Corporate Card - Credit Card Management - Customizable Fields - Customizable Templates - Data Import/Export - Duplicate Detection - Electronic Payments - Expense Claims - Expense Tracking - Financial Analysis - Generative AI - Invoice Management - Mileage Tracking - Mobile Access - Mobile Receipt Upload - Multi-Currency - Optical Character Recognition - Policy Management - Real-Time Notifications - Real-Time Updates - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Secure Data Storage - Single Sign On - Spend Control - Third-Party Integrations - Timesheet Management - Workflow Management [See all features](https://www.capterra.com/p/166905/Divvy/#features) ### Recognition Zoho Expense is recognized as a top-rated tool in 5 Capterra Shortlist reports BILL Spend & Expense is recognized as a top-rated tool in 3 Capterra Shortlist reports Best Value Spend ManagementSoftware (2022)  ### Deployment & support Zoho 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 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 Zoho Expense - By Zoho - Located in United States - Founded in 1996 BILL Spend & Expense - By BILL - Located in United States - Founded in 2006 ## Popular Comparisons [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) $3/month Price $5/month 4.5 Features 4.4 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/97594-142384/Expensify-vs-Zoho-Expense) [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 comparison](https://www.capterra.com/compare/166905-211744/Divvy-vs-getmoss) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) $3/month Price $7/month 4.5 Features 4.2 4.6 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-142384/Concur-Expense-vs-Zoho-Expense) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (438)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,257)](https://www.capterra.com/p/380/Concur-Expense/reviews/) $0/month Price $7/month 4.5 Features 4.2 4.6 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-166905/Concur-Expense-vs-Divvy) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [webexpenses](https://www.capterra.com/p/140646/webexpenses/)[4.52 (1,105)](https://www.capterra.com/p/140646/webexpenses/reviews/) $3/month Price Contact vendor for pricing 4.5 Features 4.4 4.6 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/140646-142384/webexpenses-vs-Zoho-Expense) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (438)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.85 (218)](https://www.capterra.com/p/207081/Ramp/reviews/) $0/month Price $15/month 4.5 Features 4.8 4.6 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/166905-207081/Divvy-vs-Ramp) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/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/) $3/month Price $38/month 4.5 Features 4.3 4.6 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/142384-190778/Zoho-Expense-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 [Budgetly](https://www.capterra.com/p/255448/Budgetly/)[4.89 (139)](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) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [Lanes & Planes](https://www.capterra.com/p/183676/Lanes-Planes/)[4.64 (685)](https://www.capterra.com/p/183676/Lanes-Planes/reviews/) $3/month Price €95/month 4.5 Features 4.4 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/142384-183676/Zoho-Expense-vs-Lanes-Planes) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (438)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,343)](https://www.capterra.com/p/97594/Expensify/reviews/) $0/month Price $5/month 4.5 Features 4.4 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/97594-166905/Expensify-vs-Divvy) [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,215)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) vs [Circula](https://www.capterra.com/p/185116/Circula/)[4.62 (566)](https://www.capterra.com/p/185116/Circula/reviews/) $3/month Price €10/month 4.5 Features 4.5 4.6 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/142384-185116/Zoho-Expense-vs-Circula) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (438)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (188)](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 4.6 [View full comparison](https://www.capterra.com/compare/166905-200192/Divvy-vs-Payhawk)