# Compare BILL Spend & Expense vs Ramp 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare BILL Spend & Expense and Ramp based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/166905-207081/Divvy-vs-Ramp

---

# BILL Spend & Expense vs Ramp Features and Cost Comparison

Last updated March 13th, 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:

BILL Spend & ExpenseRamp2/4 selected

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

[Ramp](https://www.capterra.com/p/207081/Ramp/)[4.9 (216)](https://www.capterra.com/p/207081/Ramp/reviews/)

[## 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

[## Ramp](https://www.capterra.com/p/207081/Ramp/)[4.9 (216)](https://www.capterra.com/p/207081/Ramp/reviews/)

Starting Price

$15.00/month

Value-for-Money

4.8

Functionality

4.8

Ease of Use

4.9

Customer Service

4.6

Reviews Sentiment

Based on [216 reviews](#user-reviews)

Positive

210

Neutral

4

Negative

2

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## Summary

* * *

Key features rated by users

Features selected based on 3,600 reviews from spend management 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

83%Fit

Feature ratings

Receipt Management

4.8

Expense Tracking

4.8

Spend Control

4.7

Approval Workflow

4.4

Spend Analysis

4.1

85%Fit

High performer

Feature ratings

Receipt Management

5.0

Expense Tracking

4.9

Spend Control

4.8

Approval Workflow

4.7

Spend Analysis

4.8

User satisfaction

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

User satisfaction

4.9

User reviews[216](https://www.capterra.com/p/207081/Ramp/reviews/)

Ease of use

4.9

Functionality

4.8

Value for money

4.8

Customer support

4.6

Price starts from

Price starts from

\--

-   Free version
-   Free trial

Price starts from

$15Per User, Per Month

-   Free version
-   Free trial

Best for

Best for

Any company that struggles with expense reports, reimbursements, receipts, expensive annual software contracts and other finance headaches.

Best for

Finance and accounting teams at mid-sized companies across all industries who want a better way to track and control spend, reimburse employees and match receipts, and speed up accounting processes.

## User reviews

Pros & cons

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/)

James L.

Director of Finance

> "They have more logical functions as far as integrations and reporting than their competitors, the speed to vendor payment is..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7061332)

SK

Sarah K.

People Ops Manager

> "Previously, we were issuing physical credit cards from our bank, which made it challenging to get those back or enforce..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6858392)

LH

Lucien H.

VP of GTM

> "Ramp is a must have tool for a fast growing startup like ours. Since we implemented Ramp, we have drastically improved our..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6290878)

SW

Stacey W.

Accounting Manager

> "The user account details and permissions were the one confusing part we ran into with setup."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7027334)

EH

Erin H.

COO

> "Our team is geographically dispersed, but Ramp makes it easy to collaborate on bookkeeping, expense reimbursements, and basic..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6762863)

HC

Harrison C.

CEO

> "There were lots of antiquated offerings, but nothing that met the needs of a 21st Century scaling business."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6818715)

Hillel G.

Director of Implementation

> "Receipt management and physical card management is very nice to have for employees as well as making virtual cards."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6881841)

MS

Michelle S.

Developer

> "Nothing - I think it can be a bit confusing when you are first introduced to the app so I can see it being difficult to learn..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6826033)

SK

Sarah K.

People Ops Manager

> "Additionally, the receipt submission flow makes it easy for purchases to get reviewed and approved as needed."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6858392)

ET

Eric T.

Director, Digital Transformation

> "The most recent update to the website has overcomplicated the end user experience."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6832748)

Pankaj P.

Finance Manager

> "It helps in bill and spend management, Expenses management, Travel Management etc."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6658194)

CE

Charles E.

Vice President, Equipment Analytics

> "It is not fully integrated into our SAP system requiring additional work on our end to transfer work order numbers and service..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019216)

TB

Tiler B.

Office Assisstant

> "I love that you can upload and submit receipts from your mobile phone it makes keeping track of expenses much easier."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6338111)

Enrique A.

Vice President, Human Resources & Administration

> "One challenge we've had is that card authorizations (or merchant holds) take a long time to drop off; and before they do, the..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___5091441)

NK

Nicholas K.

Chief Research Officer

> "Email and text integration is very helpful for quickly attaching receipts and memos to purchases."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6464335)

Ashley B.

Owner

> "Customer support isn't that great though."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7092996)

James L.

Director of Finance

> "I am very satisfied with how we are using it to pay vendors."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7061332)

JH

Janice H.

Reporter

> "I also don't like the system's feature of "deleting" receipts that are photographed and submitted right after a restaurant makes..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046800)

KS

Kenny S.

Executive Pastor

> "Our users love the ability to submit all required documentation from their phones and administrators love the ability to review..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026867)

SS

Sherry S.

Corp. Secretary

> "Difficulty maneuvering through payment options by having to upload a corresponding billing and not being able to modify a..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6045656)

EH

Erin H.

COO

> "Ramp is easy to use, it integrates well with our internal workflows, and with external systems."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6762863)

AT

Abraham T.

CEO

> "Nevertheless, what they didn't disclose during the process is that they do not offer credit and you are required to maintain a..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4781208)

ES

Elizabeth S.

Administrative Assistant

> "It helps with organization and ability to have all purchases approved."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6627838)

CS

Cristiano S.

prompt engineer

> "Only had one issue with google wallet, where the max expense was capped at 400$, not sure why, but using the physical card..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046743)

TW

Tyler W.

Online campus pastor

> "As someone who’s job relies heavily on building relationships and networking the ease of being able to take someone to coffee or..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6035063)

MS

Michelle S.

Director of HR and Training

> "End users do not have the ability to create their own virtual cards to help protect online purchases"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6034912)

Rebecca B.

AVP

> "I also appreciate the ability to set up rules for tagging the expenses so there's less to fill out each time. And we actually..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046922)

CR

Chervonne R.

Bookkeeper Office Manager

> "ALSO, the latest update is not ideal with moving items that are ready to process to different tabs."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019266)

CF

Claire F.

Lead of Supply Chain

> "The UX design is simple and is easy to navigate."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7074928)

AT

Abraham T.

CEO

> "So the card may stop working at any given time according to the fluctuations of cash flow in your bank account."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4781208)

KC

Katherine C.

Chief Operations and Finance Officer

> "Overall Ramp has been user- friendly and easy to navigate and transition into."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7020365)

JH

Jason H.

Rehab Resource Support

> "I had an issue with the app not allowing multiple expense splits but was unable to get customer support to assist."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6035173)

Steve B.

Operations Director

> "We signed up with Ramp just to provide credit cards for a few young employees (who didn't have much credit history), but will..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4903026)

AZ

Anna Z.

Global Controller

> "Not being able to enter banking instructions under out of pocket reimbursements on behalf of the employees."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026720)

WL

Whitney L.

Owner

> "I like the option it gives for corporate cards and spending."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6546687)

CB

Carol B.

Financial Admin

> "We has no assurance that Ramp would protect us and we still don't know how many of these fraudulent charges will be properly..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6227136)

JV

Jeannie V.

Operations Manager

> "This product make employee expense tracking so easy!"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6766027)

CR

Cindy R.

COO CFO

> "Signing up new employees for cards is confusing as multiple ways to do it. "

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019957)

VR

Verified Reviewer

Account Executive

> "Their corporate card is easy to use and has the proper controls in place to ensure security and spend control."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6460782)

KW

Kimberly W.

Office Administrator

> "The only real negative I've found is the lack of seamless integration with Amazon."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046958)

VR

Verified Reviewer

Business Development Associate

> "I also like that Ramp quickly attaches my receipts to credit card expenses without me having to individually do it for each..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026693)

SS

Sonny S.

ap

> "it was very expensive relative to others"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6734537)

RN

Robert N.

Senior Accountant

> "The ability to require receipts and memo's be recording quickly has saved us many administrative hours in hunting down..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019271)

MR

Monica R.

Community Care Specialist

> "I’ve attempted to FU from within the app, but it did not message to the receiver."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6035070)

LH

Lucien H.

VP of GTM

> "Ramp is an incredibly powerful tool with a rich feature set delivered by a very high performing team."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6290878)

MK

Murat K.

COO

> "It took my school to let us use credit cards for years."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026771)

SR

Shahab R.

Field Analyst

> "The ability to text your receipts to Ramp is the feature that you will use all day, every day."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019300)

VN

V N.

VP of Tech

> "Annoying to have to reenter the same fields for recurring expenses"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019220)

CW

Catherine W.

Area Sales Manager

> "I like that once I make a purchase using my Ramp card I immediately receive a text message that asked me for description."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026866)

SS

Shelby S.

Preparedness Webinar Consultant

> "Sometimes the website is a little harder to navigate."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6023393)

VR

Verified Reviewer

Business Development Associate

> "I like that Ramp helps me track the mileage I've driven so that I get reimbursed properly."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026693)

PJ

Peter J.

Controller

> "Wish there was a little better way to controll what users spend."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6047281)

CR

Chervonne R.

Bookkeeper Office Manager

> "Ramp has truly made life with company card, expense tracking and vendor management and payables!"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019266)

GM

Gabriel M.

Accounting Manager

> "Cannot fathom how we did things so manually in the past without Ramp."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026641)

CC

Clair C.

Senior Manager of Human Resources

> "It worked very well for our needs and ended up being such a timesaver."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6655145)

CB

Carol B.

Financial Admin

> "The onboarding was weak to non-existent."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6227136)

WS

William S.

Senior Application Security Engineer

> "I use Ramp mostly for tracking expenses related to business travel - it makes this simple and easy."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019242)

AS

Angela S.

Dir. of Special Projects

> "There isn't a feature I don't like about it."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6026657)

JR

Jessica R.

Project Architect

> "The Virtual Ramp Card is great because it accurately sets spending caps, helping employees stick to a spending plan without..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4468793)

BG

Brian G.

Parts Manager

> "I do not see the costs in my role"

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019247)

JM

Jo M.

Director for HR

> "Each step along the way couldn't be more easy."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6847211)

Jenna J.

Accounting Specialist

> "I don't like that if you start with a virtual card and then decide that you want a physical card, that you have to get an..."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___2812026)

JV

Joelle V.

Accounting Manager

> "Its features are above and beyond any other program I looked into."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6864416)

JM

Jessica M.

Director of Finance

> "Our previous provider was lacking with receipt management, expense categorization, and expediency around card issuance. "

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___2778304)

CC

Clair C.

Senior Manager of Human Resources

> "Super easy interface for both admins and users."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6655145)

JJ

Joyce J.

Office Manager

> "It is NOT a frequent issue."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___3197665)

LH

Lucien H.

VP of GTM

> "The spend dashboards are incredibly intuitive and easy to analyse."

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6290878)

MDB

Misty D. B.

Accounting

> "Currently, there is no personal reimbursement option. "

[See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___2327755)

[View Reviews](https://www.capterra.com/p/207081/Ramp/reviews/)

## User interface

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

4.67 (432)

[Ramp](https://www.capterra.com/p/207081/Ramp/)

4.86 (216)

## 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

BILL Spend & Expense

40/50

-   Accounting
-   Accounting Integration
-   Activity Dashboard
-   Activity Tracking
-   Ad hoc Reporting
-   AI Copilot
-   API
-   Approval Process Control
-   Approval Workflow
-   Audit Management
-   Audit Trail
-   Billing & Invoicing
-   Budget Control
-   Budgeting/Forecasting
-   Categorization/Grouping
-   Compliance Management
-   Configurable Workflow
-   Credit Card Management
-   Customizable Reports
-   Data Import/Export
-   ERP integration
-   Expense Claims
-   Expense Tracking
-   Financial Management
-   Generative AI
-   Invoice Management
-   Invoice Processing
-   Multi-Currency
-   Prepaid Cards
-   Procurement Management
-   Purchase Order Management
-   Purchasing & Receiving
-   Real-Time Analytics
-   Real-Time Data
-   Real-Time Monitoring
-   Real-Time Notifications
-   Real-Time Reporting
-   Real-Time Updates
-   Receipt Management
-   Reimbursement Management
-   Reminders
-   Reporting & Statistics
-   Requisition Management
-   Rules-Based Workflow
-   Spend Analysis
-   Spend Control
-   Supplier Management
-   Third-Party Integrations
-   Time & Expense Tracking
-   Transaction History

[See all features](https://www.capterra.com/p/166905/Divvy/#features)

Ramp

Top features

48/50

-   Accounting
-   Accounting Integration
-   Activity Dashboard
-   Activity Tracking
-   Ad hoc Reporting
-   AI Copilot
-   API
-   Approval Process Control
-   Approval Workflow
-   Audit Management
-   Audit Trail
-   Billing & Invoicing
-   Budget Control
-   Budgeting/Forecasting
-   Categorization/Grouping
-   Compliance Management
-   Configurable Workflow
-   Credit Card Management
-   Customizable Reports
-   Data Import/Export
-   ERP integration
-   Expense Claims
-   Expense Tracking
-   Financial Management
-   Generative AI
-   Invoice Management
-   Invoice Processing
-   Multi-Currency
-   Prepaid Cards
-   Procurement Management
-   Purchase Order Management
-   Purchasing & Receiving
-   Real-Time Analytics
-   Real-Time Data
-   Real-Time Monitoring
-   Real-Time Notifications
-   Real-Time Reporting
-   Real-Time Updates
-   Receipt Management
-   Reimbursement Management
-   Reminders
-   Reporting & Statistics
-   Requisition Management
-   Rules-Based Workflow
-   Spend Analysis
-   Spend Control
-   Supplier Management
-   Third-Party Integrations
-   Time & Expense Tracking
-   Transaction History

[See all features](https://www.capterra.com/p/207081/Ramp/#features)

### Recognition

No recognitions have been awarded to BILL Spend & Expense

No recognitions have been awarded to Ramp

### Deployment & support

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

Ramp

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

BILL Spend & Expense

-   By BILL
-   Located in United States
-   Founded in 2006

Ramp

-   By Ramp Financial
-   Located in United States
-   Founded in 2019

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