--- title: "Compare BILL Spend & Expense vs Moss 2026 | Capterra" description: "Unsure of what to choose? Check Capterra to compare BILL Spend & Expense and Moss based on pricing, features, product details, and verified reviews." source_url: "https://www.capterra.com/compare/166905-211744/Divvy-vs-getmoss" page_type: "comparison" language: "en" --- # BILL Spend & Expense vs Moss Features and Cost Comparison Last updated September 16th, 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 (439)](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 (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 [## 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? Find software alternatives tailored to your priorities. These software suggestions are similar to those you’re currently comparing. Highest Rated ### Rippling 4.9 (4,881) * * * Starting Price CA$8.00 Per User,Per Month Free Trial Free Version * * * User rating 98% of reviewers rated it above 4 stars * * * ### Xero 4.4 (3,329) * * * Starting Price $25.00 Flat Rate,Per Month Free Trial Free Version * * * User rating 88% of reviewers rated it above 4 stars * * * ### SAP Concur 4.3 (2,261) * * * Starting Price $7.00 Usage Based,Per Month Free Trial Free Version * * * User rating 86% of reviewers rated it above 4 stars * * * ### QuickBooks Online Advanced 4.4 (1,050) * * * Starting Price $235.00 Flat Rate,Per Month Free Trial Free Version * * * User rating 89% of reviewers rated it above 4 stars * * * What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 2,422 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 4.8 Approval Workflow 4.8 Multi-Currency 4.6 Budgeting/Forecasting 4.3 Approval Process Control 4.8 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[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) VR Verified Reviewer Manager, Accounts Payable > "I also find it challenging at times to map and integrate custom fields or make changes to existing fields." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7132154) LA Luz A. Controller > "From an accounting perspective, it demonstrates strong performance in its ability to communicate and synchronize data with other systems." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7151073) VR Verified Reviewer accounting support > "There was no way for us as an end user to seethis, and none of the support people were able to see this because -- the BILL Spend & Expense..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7010134) LA Luz A. Controller > "The platform is easy to implement and manage, and from a managerial perspective, it provides strong monitoring capabilities—making it an..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7151073) CS Carmel S. Media > "so it makes it impossible not to add them to my subscriptions and as a freelancer I do not have the ability to tolerate subscriptions that..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6849999) VR Verified Reviewer President > "Easy to use with strong reporting features, making expense tracking and financial management efficient." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7158404) VR Verified Reviewer accounting support > "Someone on your team will be spending a lot of time navigating why something isn't working, only for a tier 2 rep or a manager to tell you..." [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 prepay..." [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 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 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 transaction..." [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 percent..." [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) 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 glance." [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) AH Amy H. Owner > "Customer service is not the greatest." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6529578) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4652237) 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) CB Casey B. D > "Easy to use and is mobile friendly and can help anyone in business." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4328892) 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/) 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..." [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)..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7112020) 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..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7045185) 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..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7020190) 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..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7128718) 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) 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) 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,..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6831650) 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) 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..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6831650) 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..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7020035) 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) 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 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) 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) 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) 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) VR Verified Reviewer Project and IT Manager > "Moss is a really modern and practical hands-on solution for companies where many employees frequently need cards for business trips." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7018827) 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) 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) 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) EL Eifion L. Marketing Specialist > "Moss is so much easier than our previous manual process, it saves countless hours searching and is easier to administer throughout the..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7044364) 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) Anthony Y. ceo > "Moss card added to my wallet (on phone) which is handy" [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7116713) 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) VR Verified Reviewer Principal Industrial Designer > "Having used Moss for several years now, it’s become a really reliable part of how we manage expenses as a team." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7128718) 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) MAC Mehmet Ali C. Senior Engineer > "What I appreciate most is the travel expense reporting feature, which saves a significant amount of time and effort." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7024008) 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) 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) 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) 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) 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) 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) 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) LG Louis G. Key Account Manager > "You can even take the photo via the app to save further time and hassle." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7044366) 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) TP Tobias P. Director of Strategic Finance > "Gives users an easy-to-use tool to create credit cards (with super high acceptance), upload reimbursements and upload invoices, whilst..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6706434) 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) [View Reviews](https://www.capterra.com/p/211744/getmoss/reviews/) ## User interface [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) 4.67 (439) [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 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) Moss 27/50 - 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/211744/getmoss/#features) ### Recognition No recognitions have been awarded to BILL Spend & Expense Moss Best Value Expense Report Software (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 ## 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