--- title: "Compare BILL Spend & Expense vs Ramp 2026 | Capterra" description: "Unsure of what to choose? Check Capterra to compare BILL Spend & Expense and Ramp based on pricing, features, product details, and verified reviews." source_url: "https://www.capterra.com/compare/166905-207081/Divvy-vs-Ramp" page_type: "comparison" language: "en" --- # BILL Spend & Expense vs Ramp Features and Cost Comparison Last updated September 4th, 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 (439)](https://www.capterra.com/p/166905/Divvy/reviews/) [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.9 (221)](https://www.capterra.com/p/207081/Ramp/reviews/) [## BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (439)](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 [439 reviews](#user-reviews) Positive 415 Neutral 9 Negative 15 [## Ramp](https://www.capterra.com/p/207081/Ramp/)[4.9 (221)](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 [221 reviews](#user-reviews) Positive 214 Neutral 5 Negative 2 ## Not a match? Find software alternatives tailored to your priorities. These software suggestions are similar to those you’re currently comparing. ### Sage Intacct 4.3 (716) * * * Starting Price Contact vendor for pricing Free Trial Free Version * * * User rating 86% of reviewers rated it above 4 stars * * * Highest Rated ### Rippling 4.9 (4,871) * * * Starting Price CA$8.00 Per User,Per Month Free Trial Free Version * * * User rating 98% of reviewers rated it above 4 stars * * * ### SAP Concur 4.3 (2,260) * * * Starting Price $7.00 Usage Based,Per Month Free Trial Free Version * * * User rating 86% of reviewers rated it above 4 stars * * * ### Xero 4.4 (3,324) * * * Starting Price $25.00 Flat Rate,Per Month Free Trial Free Version * * * User rating 88% of reviewers rated it above 4 stars * * * What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 2,398 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 82%Fit Feature ratings Expense Tracking 4.8 Approval Workflow 4.4 Multi-Currency 5.0 Budgeting/Forecasting 4.3 Approval Process Control 4.4 83%Fit High performer Feature ratings Expense Tracking 4.9 Approval Workflow 4.7 Multi-Currency 4.8 Budgeting/Forecasting 4.3 Approval Process Control 4.7 User satisfaction User satisfaction 4.7 User reviews[439](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[221](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 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 &..." [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..." [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) Jaxton B. Financial Controller > "They are not innovative enough and fail to leverage AI to its full potential for automation." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7186230) 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) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6611906) 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 > "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..." [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 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) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6037593) 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) 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) 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) AG Annie G. Sr. Accountant > "It seamlessly integrates with ERPS like Netsuite." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6702103) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4318424) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4315172) 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) 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) 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) AF Adashia F. Owner > "USER ACCESS - user friendly, easy to get into" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7074502) 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) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4358564) 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) 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..." [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) 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) 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) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357296) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) BM Bradyn M. CEO > "Spend and Expense is an absolute nightmare." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) 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) MR Mark R. Private Security > "It felt predatory and completely negligent." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6811483) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4315023) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357061) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357185) 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) 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) AH Amy H. Owner > "Customer service is not the greatest." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6529578) 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) 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) AA Austin A. CEO > "Easy expenses tracking and intuitive plus wide VCC capabilities." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4212055) 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) SC Stephen C. CEO > "Simplicity to use, customer support that comes with it and ability to create multiple cards for online accounts and services." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___3197794) BS Barrett S. CFO > "splitting transactions between departments/locations is a bit clunky and could be improved" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4356949) GA Grant A. Owner > "It is very easy to set up many people with a company credit card that has spending limit customizations." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___3723414) AN Ashlee N. Director > "Some of the functionality in the way you navigate the options can be confusing." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___3383451) 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 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) SS Sherri S. Controller > "Simple to set up, ease of use and integration into our current software. " [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___3978434) VR Verified Reviewer Payroll and Benefits Coordinator > "Next was setting up integration with NetSuite, there was a small issue with set up and it took following up and 14 days for them to find..." [See full review](https://www.capterra.com/p/166905/Divvy/#GetApp___4435213) AM Angela M. COO > "well at first it was easy to use ." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7144660) AM Aaron M. Discipleship Pastor > "I am constantly scrolling to the bottom." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357128) AF Adashia F. Owner > "USER ACCESS - user friendly, easy to get into" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7074502) AN Ashlee N. Director > "Some of the functionality in the way you navigate the options can be confusing." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___3383451) AT Anner T. CEO > "What I love most about this software it is accessible and mobile friendly along with features that can be used in your everyday business." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357171) 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) EB Emma B. Accounting > "The thing we loved the most is how easy and amazing the platform in general is." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___5021891) 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) Matthew B. CEO > "There was a Divvy competitor who came for our business, and I was about to switch, but the Divvy team really stepped up their game,..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4358448) 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) AM Anna M. Director of Accounting > "Their customer service and support teams always do their best to make it a comfortable process for all users." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4358424) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357061) [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) VR Verified Reviewer VP Marketing > "Most of what Ramp does is not built into most business banking accounts so it doesn't really provide much that we don't get with..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7180074) Eri D. Founder > "Cards were issued and the spend limits were established on the very first day, and all employees quickly managed to navigate..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7151928) 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 approvals..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6858392) Eri D. Founder > "Regarding security concerns, I find granular control over the card settings useful as it helps to prevent mistakes in advance." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7151928) 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) Eri D. Founder > "Overall, it offers good value in terms of costs compared to the combination of apps it substitutes." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7151928) 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) 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) 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) 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) 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 for..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6826033) 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) 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) 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) SS Sherry S. Corp. Secretary > "Difficulty maneuvering through payment options by having to upload a corresponding billing and not being able to modify a billing..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6045656) JF Jill F. Assistant Project Manager > "The platform is incredibly easy to use, and you quickly grasp all the important functions and processes." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7187828) 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) 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) 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 lifted..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6046743) 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) Ashley B. Owner > "Customer support isn't that great though." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7092996) 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) 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) 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) 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) 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) 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) 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) 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 purchases...." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019271) 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) JT Jeana T. Executive Director > "Now it is so easy and I can get them taken of quickly." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7188713) 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) 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) SS Sonny S. ap > "it was very expensive relative to others" [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6734537) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) CB Carol B. Financial Admin > "The onboarding was weak to non-existent." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6227136) 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) 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) 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) 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) 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 going..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___4468793) 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) 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) 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) PP Patti P. Controller > "The ease of use, the fact that we can sync multiple times a day, and the way we are able to view the transactions in Sage are all..." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019223) JJ Joyce J. Office Manager > "It is NOT a frequent issue." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___3197665) JD Justin D. School Psychologist > "Ramp is an intuitive platform that makes the expense reporting process seamless and efficient. " [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6027053) 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) CR Chervonne R. Bookkeeper Office Manager > "Ramp is one of my favorites and is easy to set-up or disable users, track vendor expenses, and reimbursements" [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019266) 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) LH Letitia H. COO > "I also love the multiple digital credit cards with active/non-active controls." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___6019528) Ashley B. Owner > "Customer support isn't that great though." [See full review](https://www.capterra.com/p/207081/Ramp/#Capterra___7092996) [View Reviews](https://www.capterra.com/p/207081/Ramp/reviews/) ## User interface [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) 4.67 (439) [Ramp](https://www.capterra.com/p/207081/Ramp/) 4.86 (221) ## 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 30/50 - Accounting - Accounting Integration - ACH - Activity Dashboard - Activity Tracking - Ad hoc Reporting - AI Copilot - Alignment - API - Approval Process Control - Approvals - Approval Workflow - Audit Management - Audit Trail - Benchmarks - Billing & Invoicing - Budget Control - Budgeting/Forecasting - Budgets - Categorization/Grouping - Compliance Management - Configurable Workflow - Controls - Credit Card Management - Customizable Reports - Data Import/Export - Employee Reimbursements - ERP integration - Expense Claims - Expense Tracking - Financial Management - Generative AI - Invoice Management - Invoice Processing - KPIs - Multi-Currency - Multiple Views - One-time Virtual - Physical - Prepaid Cards - Proactive Assistance - 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 [See all features](https://www.capterra.com/p/166905/Divvy/#features) Ramp Top features 36/50 - Accounting - Accounting Integration - ACH - Activity Dashboard - Activity Tracking - Ad hoc Reporting - AI Copilot - Alignment - API - Approval Process Control - Approvals - Approval Workflow - Audit Management - Audit Trail - Benchmarks - Billing & Invoicing - Budget Control - Budgeting/Forecasting - Budgets - Categorization/Grouping - Compliance Management - Configurable Workflow - Controls - Credit Card Management - Customizable Reports - Data Import/Export - Employee Reimbursements - ERP integration - Expense Claims - Expense Tracking - Financial Management - Generative AI - Invoice Management - Invoice Processing - KPIs - Multi-Currency - Multiple Views - One-time Virtual - Physical - Prepaid Cards - Proactive Assistance - 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 [See all features](https://www.capterra.com/p/207081/Ramp/#features) ### Recognition BILL Spend & Expense is recognized as a top-rated tool in 3 Capterra Shortlist reports Best Value Spend Management Software (2022)  Ramp is recognized as a top-rated tool in 5 Capterra Shortlist reports Best Value Expense Report Software (2024)  ### 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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