# Compare SAP Concur vs BILL Spend & Expense 2026 | Capterra

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

Source: https://www.capterra.com/compare/380-166905/Concur-Expense-vs-Divvy

---

# SAP Concur vs BILL Spend & Expense Features and Cost Comparison

Last updated May 5th, 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:

SAP ConcurBILL Spend & Expense2/4 selected

[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

[BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (437)](https://www.capterra.com/p/166905/Divvy/reviews/)

[## SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

Starting Price

$7.00/month

Value-for-Money

4.1

Functionality

4.2

Ease of Use

4.1

Customer Service

4.1

Reviews Sentiment

Based on [2,249 reviews](#user-reviews)

Positive

1,931

Neutral

220

Negative

98

[## 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

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## Summary

* * *

Key features rated by users

Features selected based on 8,251 reviews from expense report software users.  
about the Fit Score methodology.

Fit Score methodology

Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about.

  

If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology

74%Fit

Missing features

Feature ratings

Expense Tracking

4.6

Receipt Management

4.5

Expense Claims

4.6

Invoice Management

4.3

Timesheet Management

NA

64%Fit

Missing features

Feature ratings

Expense Tracking

4.8

Receipt Management

4.8

Expense Claims

4.4

Invoice Management

NA

Timesheet Management

NA

User satisfaction

User satisfaction

4.3

User reviews[2,249](https://www.capterra.com/p/380/Concur-Expense/reviews/)

Ease of use

4.1

Functionality

4.2

Value for money

4.1

Customer support

4.1

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

Price starts from

Price starts from

$7Usage Based, Per Month

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing.

Best for

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

## User reviews

Pros & cons

VR

Verified Reviewer

Retail Sales Manager

> "I submit all my travelling expenses through Concur and it is a amazing process to be notified when they got approved, when they were sent for..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7078983)

VR

Verified Reviewer

President

> "The online travel booking features are slow, do not provide the same discounts, and have added travel fees."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7126371)

HL

Hunter L.

Executive Assistant

> "The configuration of my company's travel rules helped me always stay within budget, manage an entire team, and use their individual corporate cards."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7076207)

Martin L.

Sales Director

> "I didn't dislike anything about Concur however sometimes the 'app' managers configure it improperly so that there are limited expense items compared..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934)

Martin L.

Sales Director

> "What is great about Concur is that it makes it easy to identify the individual customers you are entertaining - especially for large events it will..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934)

CR

Cindy R.

IT Admin

> "I didn't like that concor was ver specific with what image files it received and how when you uploaded and used receipts, it wouldn't delete them..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821171)

VR

Verified Reviewer

Curriculum Designer and Trainer II

> "Overall SAP concur is a great tool to keep track of expenses and how to organize those expenses into which reports and the ability to track down the..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7046672)

CN

Chris N.

HR Manager

> "Initially it could seem a bit overwhelming as the home screen has a lot of options to choose from...seems a bit busy looking."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7064955)

VR

Verified Reviewer

Curriculum Designer and Trainer II

> "What I like most about SAP concur is that it keeps all my expenses in one place and identifies expenses that is tied into my e-mail."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7046672)

Jeremy H.

Dispatch Coordinator

> "Can be overwhelming over time with how many transactions interact with each other when you are needing to change something"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7149761)

VR

Verified Reviewer

Account Manager

> "The auto expense feature is really useful, it loads expenses from your company card in automatically and you just add the receipts."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7036710)

GG

Gary G.

Director of Corporate Devlopment

> "Unintuitive navigation, easy to lose work, exception thresholds requiring use explanations too obtrusive/rigid, pdf formatting required for..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425793)

MT

Mallory T.

Executive sous chef

> "I have had to use excel sheets, other websites and paper to do expenses and it was always so time consuming, SAP really saves time and effort."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7096293)

Orlando E. G.

Advisor

> "Some issues with getting detailed information on the card charges to make sure they match up with the correct Receipts I have in hand."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011680)

VR

Verified Reviewer

President

> "Ease of expense reporting, uploading receipts, approving multiple expense reports and the warning system for errors."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7126371)

AR

Arti R.

Software engineer

> "SAP Concur can feel clunky and outdated, especially the interface."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7138961)

AR

Anitha R.

Senior Technical Specialist

> "This helps prevent many errors and ensures better compliance, which is essential in the financial sector."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7092917)

Jacquelyn V.

Community Resource Coordinator II

> "Also, the travel booking experience is sometimes slower than consumer travel sites."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7147336)

UC

Urgan C.

Associate

> "You can automate approval workflows and integrate with corporate policies ensures that expenses are processed quickly, while maintaining compliance..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6504628)

JG

Joel G.

Director of Operations

> "Also, moving expenses to other reports isn’t as easy as it is on the desktop."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7099910)

DL

Dave L.

Senior Consultant

> "What I like most about Concur is it gives me a way to enter in my company expenses, keep track of them, and give me notifications every step along..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157)

MS

Matthew S.

Director of Product Development

> "Delayed payment, sometimes taking up to a week to hit my bank account including the verification process."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6840592)

CR

Cindy R.

IT Admin

> "I loved the fact that you can save receipts inside of the application, You can later look for them amongst the saved files and pull what you needed."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821171)

Jeremiah L. G.

Chief Operating Officer

> "They have no easy way to pay your bill and Support took 3 weeks to figure out why I could not access the online billing portal and in the interim I..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6628432)

MC

Michael C.

Sr. Director Professional Services

> "The softwares ability to sync with Credit Card providers and receipt tracking has made business travelers expense report creation and submittal much..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892)

VR

Verified Reviewer

Project Manager

> "There are times that SAP Concur has a lag in slowness to it."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7121002)

AK

Ashfak K.

Senior executive

> "its automation of expense reporting helps reduce manual entry, minimizes errors, and can lead to more efficient reimbursement processes."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6567406)

VR

Verified Reviewer

Account Manager

> "Can be a little buggy and clunky sometimes with long page refreshes when making changes."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7036710)

RS

Rachel S.

Treasurer

> "I use SAP Concur on my mobile phone to manage expenses such as travel and spend which enhance compliance and eradicate fraud."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6516764)

Thomas C.

civil engineer

> "Sometimes the scanning of invoices can be a little slow and it does not allow the image to load correctly"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6625279)

FM

Faisal M.

Payroll

> "It makes expense management more efficient through automation, reliable reimbursements, and strong reporting tools."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011458)

Jeremiah L. G.

Chief Operating Officer

> "It did not play well with other applications and the onboarding success team takes over a week to respond. If you have in house IT staff then you..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6628432)

Jacquelyn V.

Community Resource Coordinator II

> "Customer support was helpful when needed, and the mobile app made managing expenses during travel much more convenient."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7147336)

TC

Torey C.

Junior Golf Tournament Manager

> "It is very difficult to search for coding items. "

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7058326)

Orlando E. G.

Advisor

> "Good Program for submitting proposed travel/trip costs, and my department is good about reviewing expense report reconciliation requests."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011680)

JS

Joshua S.

Senior Learning Facilitator

> "There seemed to be an issue at times where the pictures of some receipts would just disappear and I would have to double check they were still on..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6808645)

VR

Verified Reviewer

Admin

> "SAP Concur makes managing expenses, travel, and reimbursements much easier and more organized."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7147540)

Margaret R.

Professor

> "My University and the bureaucracy of SAP Concur acts like my time is free, when ultimately they are stealing from themselves and not using my time..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849)

HL

Hunter L.

Executive Assistant

> "As an executive assistant for 6 professionals that traveled to client sites often, SAP Concur was a lifesaver for travel booking."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7076207)

EV

Emily V.

EA

> "The customer support is not the best. If one is calling the phone line sometimes it can wait up to 20 minutes for an agent."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6507293)

AS

Adeniran S.

Associate Traveling Secretary

> "SAP Concur enables me to save time by automating complex accounting processes mainly invoicing and inventory control."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6597728)

Margaret R.

Professor

> "I have a grant and should not be doing support staff work like this -- having faculty deal with the clunky system and people who refuse to help us..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849)

NN

Nabil N.

IT Manager

> "Approval workflows are easy to configure and the integration with our finance processes reduced a lot of back and forth."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7130343)

GT

Gary T.

Solutions Architect

> "SAP Concur can feel overly complex at times, with occasional glitches and confusions for new users or submitters."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6812332)

BB

Brandon B.

Senior Manager of IT Infrastructure

> "Prior to moving away from SAP for our ERP platform, it's direct integration into our Finance platform was extremely nice."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7054782)

SR

Shannon R.

CFO

> "No we can integrate with Chase Ink but can’t get ANYONE to work with us on the integration (emailing for MONTHS)."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#SoftwareAdvice___6642951)

JH

Jamie H.

Quality and Reliability Specialist

> "There is an app that can be used on your phone that makes expense reports easier to manage."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7142309)

MK

Marie K.

Success Manager

> "I have used it at two companies, and while it does make it easy to upload things for reimbursements, the site itself is a little clunky, and is..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425287)

SN

Suraj N.

Inside Product Specialist

> "The platform's integration capabilities and robust reporting features make it an invaluable tool for businesses looking to manage their expenses..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6458762)

KG

Katerina G.

Business development manager

> "It is difficult to navigate and find key information for proposed option while impossible to modify things on your bookings"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6342696)

VR

Verified Reviewer

Operations manager

> "Very easy to use with the mobile app that allows you to upload receipts on the go and also check booked travel information."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7078058)

VR

Verified Reviewer

Instructional Designer and Training Specialist

> "I also don't like that it is a little difficult to tell which rooms won't give points."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6853719)

GT

Gary T.

Solutions Architect

> "SAP Concur makes expense reporting fast with its intuitive interface, automation, and seamless integration with finance systems."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6812332)

Jim C.

Lead application support analyst

> "Some steps are not very intuitive."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7053350)

DH

Daniel H.

Power Platform Developer

> "Easy receipt upload, automated expense reports, seamless travel booking. Once this is all set up it makes everything so much more manageable"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821671)

ZH

Zachary H.

EHS Manager

> "This last update changed things up a bit and threw me for a loop finding everything again, but that usually happens when things update."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6786179)

JA

Jackline A.

Customer Relationship Manager

> "SAP Concur automates repetitive accounting procedures that help save time and reduce financial errors."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7007829)

VR

Verified Reviewer

Data Analyst

> "Automations don’t always work seamlessly across every system integration"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7012979)

CR

Clinton R.

Fleet Manager

> "The app makes it even better allowing easier access and not having to open up your laptop or desktop to complete your expenses."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6819332)

SR

Shannon R.

CFO

> "Couldn’t tell you if the system itself is any good or not because we have been working on the integration since April of 2024 (today is Jan 1 2025)..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#SoftwareAdvice___6642951)

MC

Michael C.

Sr. Director Professional Services

> "From going back years to when users were taping receipts to paper and uploading, to having the ability easily attach receipts via your mobile devise..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892)

CR

Clinton R.

Fleet Manager

> "When traveling, it doesn't recognize hotel taxes."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6819332)

Jacquelyn V.

Community Resource Coordinator II

> "It also delivers good value for money by reducing manual work and improving compliance."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7147336)

NB

Nick B.

Senior Accountant

> "It wasn't easy for us to update our own information in SAP Concur without it de-syncing the export."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6432938)

VM

VINCE M.

Director of Maintenance

> "SAP Concur is a great tool for our company and make the expense process easier."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7124684)

CJ

Caleb J.

Internal Audit Associate

> "Sometimes there is a lag in looking for certain reports but this boils down to information that is being loaded."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6567846)

PF

Ping F.

Operations Analyst

> "I also like that it provides access to check traveler profiles and records, which helps a lot with work needs."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6441755)

UC

Urgan C.

Associate

> "SAP Concur's interface to be cluttered or not as intuitive as other expense management tools."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6504628)

Matthew P.

Founder

> "The SAP Concur travel booking functionality is also quite useful, and I appreciate booking all of my travel options on one website."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6754629)

JI

Joy I.

Administrative Coordinator

> "Mobile application on Android system lack some features available on cloud apps."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6665790)

Jordan M.

HR Generalist

> "I enjoy the pre-populated items and navigation system that makes submitting reports a breeze."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7016717)

BH

Brian H.

Environmental Compliance Engineer

> "Daily expenses repeat and create flags."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7018783)

EV

Emily V.

EA

> "It also has a mobile app support where you can easily upload receipts and submit expenses."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6507293)

FM

Faisal M.

Payroll

> "Interface feels outdated and not always intuitive"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011458)

IP

Issac P.

Senior Engineer

> "Very easy to create a business travel expense for approval and dedicated emails are sent at every stage of approval process which ensures no..."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013)

TP

Tess P.

Customer Care Representative

> "Sometimes there are not the right categories/sections to input information"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6569348)

IP

Issac P.

Senior Engineer

> "The process of creating expense reports is very easy and the support of mobile app makes it more helpful as all expenses, bills etc"

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013)

DL

Dave L.

Senior Consultant

> "Overall it gets the job done, but for me it's not the easiest to understand at first glance, and wish the interface would be simplified a bit."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157)

TH

Tammy H.

Accounting Clerk

> "I've used Concur for years and I think it's the best system out right now and the customer service is awesome."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7089132)

GM

Galateya M.

Executive Administrative Assistant

> "It lags sometimes and gets a lot of bugs."

[See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6449251)

[View Reviews](https://www.capterra.com/p/380/Concur-Expense/reviews/)

JR

Jennifer R.

Teacher

> "What I like best about BILL Spend & Expense is that it gives real-time control, automation, and organization of spending, making expense..."

[See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7150493)

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/)

## User interface

4.30 (2,249)

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

4.67 (437)

## Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

### Features

Do these products fit your needs?

Prioritize real-user-identified key features according to your needs to find your best fit.

\--% Fit

vs

\--% Fit

Access Controls/Permissions

207

Important

Accounting Integration

150

Important

Activity Dashboard

120

Important

SAP Concur

29/42

-   Access Controls/Permissions
-   Accounting Integration
-   Activity Dashboard
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Trail
-   Automated Receipt Matching
-   Billable & Non-Billable Hours
-   Budgeting/Forecasting
-   Categorization/Grouping
-   Compliance Management
-   Corporate Card
-   Credit Card Management
-   Customizable Fields
-   Customizable Templates
-   Data Import/Export
-   Duplicate Detection
-   Electronic Payments
-   Expense Claims
-   Expense Tracking
-   Financial Analysis
-   Generative AI
-   Invoice Management
-   Mileage Tracking
-   Mobile Access
-   Mobile Receipt Upload
-   Multi-Currency
-   Optical Character Recognition
-   Policy Management
-   Real-Time Notifications
-   Real-Time Updates
-   Receipt Management
-   Reimbursement Management
-   Reminders
-   Reporting & Statistics
-   Secure Data Storage
-   Single Sign On
-   Spend Control
-   Third-Party Integrations
-   Timesheet Management
-   Workflow Management

[See all features](https://www.capterra.com/p/380/Concur-Expense/#features)

BILL Spend & Expense

Top features

35/42

-   Access Controls/Permissions
-   Accounting Integration
-   Activity Dashboard
-   AI Copilot
-   API
-   Approval Process Control
-   Audit Trail
-   Automated Receipt Matching
-   Billable & Non-Billable Hours
-   Budgeting/Forecasting
-   Categorization/Grouping
-   Compliance Management
-   Corporate Card
-   Credit Card Management
-   Customizable Fields
-   Customizable Templates
-   Data Import/Export
-   Duplicate Detection
-   Electronic Payments
-   Expense Claims
-   Expense Tracking
-   Financial Analysis
-   Generative AI
-   Invoice Management
-   Mileage Tracking
-   Mobile Access
-   Mobile Receipt Upload
-   Multi-Currency
-   Optical Character Recognition
-   Policy Management
-   Real-Time Notifications
-   Real-Time Updates
-   Receipt Management
-   Reimbursement Management
-   Reminders
-   Reporting & Statistics
-   Secure Data Storage
-   Single Sign On
-   Spend Control
-   Third-Party Integrations
-   Timesheet Management
-   Workflow Management

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

### Recognition

SAP Concur is recognized as a top-rated tool in 5 Capterra Shortlist reports

BILL Spend & Expense is recognized as a top-rated tool in 3 Capterra Shortlist reports

Best Value Spend ManagementSoftware (2022) 

### Deployment & support

SAP Concur

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

BILL Spend & Expense

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

### Company Details

SAP Concur

-   By SAP
-   Located in Germany
-   Founded in 1999

BILL Spend & Expense

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

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[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

vs

[Xero](https://www.capterra.com/p/120109/Xero/)[4.40 (3,292)](https://www.capterra.com/p/120109/Xero/reviews/)

$7/month

Price

$25/month

4.2

Features

4.3

4.1

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/380-120109/Concur-Expense-vs-Xero)

[BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (437)](https://www.capterra.com/p/166905/Divvy/reviews/)

vs

[Expensify](https://www.capterra.com/p/97594/Expensify/)[4.51 (1,331)](https://www.capterra.com/p/97594/Expensify/reviews/)

$0/month

Price

$5/month

4.5

Features

4.4

4.6

Ease of Use

4.5

[View full comparison](https://www.capterra.com/compare/97594-166905/Expensify-vs-Divvy)

[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,249)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

vs

[QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[4.44 (1,043)](https://www.capterra.com/p/189398/QuickBooks-Online/reviews/)

$7/month

Price

$235/month

4.2

Features

4.4

4.1

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/380-189398/Concur-Expense-vs-QuickBooks-Online)

[BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (437)](https://www.capterra.com/p/166905/Divvy/reviews/)

vs

[Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/)

$0/month

Price

Contact vendor for pricing

4.5

Features

4.4

4.6

Ease of Use

4.6

[View full comparison](https://www.capterra.com/compare/166905-200192/Divvy-vs-Payhawk)