# Compare BILL Spend & Expense vs Moss 2026 | Capterra > Unsure of what to choose? Check Capterra to compare BILL Spend & Expense and Moss based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/166905-211744/Divvy-vs-getmoss --- # BILL Spend & Expense vs Moss Features and Cost Comparison Last updated April 15th, 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 & ExpenseMoss2/4 selected [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (437)](https://www.capterra.com/p/166905/Divvy/reviews/) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.9 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) [## BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (437)](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 [437 reviews](#user-reviews) Positive 414 Neutral 8 Negative 15 [## Moss](https://www.capterra.com/p/211744/getmoss/)[4.9 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) Starting Price Contact vendor Value-for-Money 4.6 Functionality 4.8 Ease of Use 4.9 Customer Service 4.7 Reviews Sentiment Based on [234 reviews](#user-reviews) Positive 232 Neutral 2 Negative 0 ## Not a match? 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What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 3,690 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 4.9 Expense Tracking 4.8 Spend Control 4.7 Approval Workflow 4.8 Spend Analysis 4.5 User satisfaction User satisfaction 4.7 User reviews[437](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[234](https://www.capterra.com/p/211744/getmoss/reviews/) Ease of use 4.9 Functionality 4.8 Value for money 4.6 Customer support 4.7 Price starts from Price starts from \-- - Free version - Free trial Price starts from \-- - 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 From fledgling startups to established companies, Moss is the platform of choice for Europe's fastest growing businesses, including brands like Florence, Fatsoma, Pho, Pizza Pilgrims, and Beauhurst. ## 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) 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) 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) 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) 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) 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) 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 > "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) 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) 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) 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) 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) 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 > "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) 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) 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) 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) 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) 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) 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) 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 > "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) AF Adashia F. Owner > "USER ACCESS - user friendly, easy to get into" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7074502) 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) AM Angela M. COO > "well at first it was easy to use ." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7144660) 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) 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) 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) 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) 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) 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 > "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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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..." [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 better..." [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) 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) 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) 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) 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) BM Bradyn M. CEO > "Spend and Expense is an absolute nightmare." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) 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) MR Mark R. Private Security > "It felt predatory and completely negligent." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6811483) 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..." [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..." [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) [View Reviews](https://www.capterra.com/p/166905/Divvy/reviews/) VR Verified Reviewer Project and IT Manager > "It’s also a good tool for managing recurring software payments, making expense management and payment processing much easier. And it's super..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7018827) Charlotte P. Head of Finance > "There have been a few minor glitches along the way (the odd card payment which hasn't worked, an expense submission which has got frozen) but..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7112020) Matthew G. Global Privacy Officer > "I appreciate having all information in one place and the ability to assign receipts to projects, although connectivity issues occasionally..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7111409) JS Jakub S. CFO > "Disputing an unauthorized payment can be cumbersome, the initial setup takes a lot of effort, user management has only pre-defined roles, Moss..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6831650) SP Stefan P. FC > "The spend management platform is very helpful in our business for Approval flows, audit trails, reimbursements and the creation of cards and..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7045185) GS Giulia S. Finance Manager > "Export to xero could be better as there are often slight mistakes between the two based on the dates." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7111422) JS Jakub S. CFO > "We leverage the platform for a) faster accounting close b) more accountability of budget/cost center owners to deliver receipts and to have..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6831650) Charlotte P. Head of Finance > "I don't think it currently supports VAT reclaim for mileage in the UK." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7112020) VR Verified Reviewer Principal Industrial Designer > "It’s significantly better than traditional methods of collecting and managing receipts, and it’s helped streamline our expense processes across..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7128718) LU Luka U. Atlassian Consultant > "Nothing major comes to my mind. Except once the transaction was declined in my home country continuously, possibly as the processing method..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7020190) GD Gabriel D. Senior Product Designer > "The ability to issue and manage digital cards—especially when paired with Apple Pay—gives me the flexibility and confidence to make..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6834919) EP Erik P. Robotics Engineer > "The only real downside I remember facing was the uploading of multiple invoices has to be done one by one." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7043896) VR Verified Reviewer Founder > "Having virtual cards, receipts, and accounting sync all in one place is a major time-saver for us." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7075123) VR Verified Reviewer Finance Manager > "The platform feels a little bit dated compared to others out there." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7052115) Chirag S. CFO > "Has good approval flows and the ability to make payments through the platform (including scheduled payments)." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7115744) EK Emine K. Senior Manager > "The only thing is, all this practicality comes only when you have the Moss app on your phone and I was not willing to have it at the beginning." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7020035) Paul C. National Account Manager > "It has made our processes much tidier for capturing the receipt information so easy, that there is no excuse for them to go missing." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7052449) SC Sophia C. VP People > "The only thing that is sometimes tedious is that we do need a phone no matter where we log in." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7025888) JS Jakub S. CFO > "We also match suppliers to cost centers and general ledger accounts, which enables a much faster monthly accounting close." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6831650) CS Courtney S. Digital Marketer > "I find the login process to be a bit cumbersome." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6832251) Dimitris K. Software Engineer > "The process improvement managing and requesting company cards is extremely effeciant and smooth with minimal overhead." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7066275) FB Fernando B. project manager > "Apple Pay is not available in Belgium yet" [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6835048) Charlotte P. Head of Finance > "Cashback on the card spend is great as well and has the potential to offset a fair amount of the platform fees." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7112020) CB Clemence B. Team lead Marketign Acquisition > "This takes us a little further away from the accounting team." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6836869) VR Verified Reviewer Founder > "Auto-capture of receipts and real-time spend visibility helped reduce manual work." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7075123) JR Julia R. Product Designer > "I never struggled to complete any action or left the platform feeling frustrated about a feature." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6832326) DV Dominique V. Financial Controller > "We like that all our credit card expenses are structured per subscription with a maximum budget, therefore we manage our expenses way better..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6412266) TV Thomas V. Head of Marketing > "I can't always find the invoice forwarding email." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6836860) PF Pollyana F. Treasury Manager > "The platform gives us full transparency over spending, and everyday tasks like issuing cards or managing expenses are incredibly easy." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6832325) VR Verified Reviewer Head of Marketing > "Automatic fund transfer to marketing accounts generates unnecessary messages about the delivery of invoices." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___4943637) GS Giulia S. Finance Manager > "Card holders can easily fill out the information and finance can easily check" [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7111422) PS Paul S. Head of Engineering > "Not being able to use a Moss email address directly as invoicing email for service subscriptions." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___4975755) KR Kevin R. National Account Manager > "It works equally well as a traditional credit card as well as from my Apple wallet." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7053791) HR Hannah R. Founders Associate > "Invoice matching via email forwarding is not always successful." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6070503) [View Reviews](https://www.capterra.com/p/211744/getmoss/reviews/) ## User interface [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) 4.67 (437) [Moss](https://www.capterra.com/p/211744/getmoss/) 4.87 (234) ## 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 Top features 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) Moss 38/50 - 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/211744/getmoss/#features) ### Recognition BILL Spend & Expense is recognized as a top-rated tool in 3 Capterra Shortlist reports Best Value Spend ManagementSoftware (2022)  Moss Best Value Expense ReportSoftware (2025)  ### 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 Moss 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 Moss - By Moss - Located in Germany - Founded in 2019 ## Popular Comparisons [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (437)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) $0/month Price $38/month 4.5 Features 4.3 4.6 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/166905-190778/Divvy-vs-QuickBooks-Online) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/) Contact vendor for pricing Price $7/month 4.8 Features 4.2 4.9 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-211744/Concur-Expense-vs-getmoss) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (437)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) $0/month Price $0.29 4.5 Features 4.6 4.6 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/166905-207944/Divvy-vs-PayPal) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Budgetly](https://www.capterra.com/p/255448/Budgetly/)[4.89 (136)](https://www.capterra.com/p/255448/Budgetly/reviews/) Contact vendor for pricing Price A$240/month 4.8 Features 4.9 4.9 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/211744-255448/getmoss-vs-Budgetly) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (437)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Abby](https://www.capterra.com/p/268623/Abby/)[4.75 (604)](https://www.capterra.com/p/268623/Abby/reviews/) $0/month Price €0.01/month 4.5 Features 4.6 4.6 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/166905-268623/Divvy-vs-Abby) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.8 Features 4.4 4.9 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/200192-211744/Payhawk-vs-getmoss) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (437)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/) $0/month Price $25/month 4.5 Features 4.3 4.6 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/120109-166905/Xero-vs-Divvy) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Wallester](https://www.capterra.com/p/268164/Wallester/)[4.87 (129)](https://www.capterra.com/p/268164/Wallester/reviews/) Contact vendor for pricing Price €0/month 4.8 Features 4.8 4.9 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/211744-268164/getmoss-vs-Wallester) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (437)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[4.51 (20,639)](https://www.capterra.com/p/174984/QuickBooks-Enterprise/reviews/) $0/month Price $2210/year 4.5 Features 4.4 4.6 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/166905-174984/Divvy-vs-QuickBooks-Enterprise) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (217)](https://www.capterra.com/p/207081/Ramp/reviews/) Contact vendor for pricing Price $15/month 4.8 Features 4.8 4.9 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/207081-211744/Ramp-vs-getmoss) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (437)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Bookipi](https://www.capterra.com/p/195165/Bookipi/)[4.76 (176)](https://www.capterra.com/p/195165/Bookipi/reviews/) $0/month Price $0/month 4.5 Features 4.6 4.6 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/166905-195165/Divvy-vs-Bookipi) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Teampay](https://www.capterra.com/p/176776/TeamPay/)[4.62 (257)](https://www.capterra.com/p/176776/TeamPay/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.8 Features 4.5 4.9 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/176776-211744/TeamPay-vs-getmoss)