# Page 3 | BILL Spend & Expense Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 3 - Is BILL Spend & Expense the right Spend Management solution for you? Explore 438 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/166905/Divvy/reviews --- BILL Spend & Expense 4.7 (438) [View alternatives](https://www.capterra.com/p/166905/Divvy/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Page 3 - Reviews of BILL Spend & Expense ## Showing most helpful reviews Showing 51-75 of 438 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use AM Aaron M. Discipleship Pastor Religious Institutions Used the software for: 6-12 months ### "Great Credit Card and Expense Tracking Software" December 15, 2022 5.0 I have loved Divvy! I highly recommend it. We are much more streamlined and misplace way few receipts. Pros I love that we now have credit cards instead of a bunch of debit cards. I like the app a lot. My employees and I get a notification immediately on our phone to upload receipts, categorize the expense, and write any notes. I also love that I have control over how much money each of my employees have access to. I can easily take away and add more. Cons I have had a few cons. 1) I am supposed to get a reminder email every Monday morning with a "to-do" list. I have gotten it about 50% of the time due to bugs in the system. The same goes for my employees. 2) I would love to not be able to approve my own transactions. 3) On the transactions page, place where you add filters seems not as well organized as I would like. I would love to be able to personally edit the order of the filters. I am constantly scrolling to the bottom. Switched from [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/) We got a new bookkeeping company. Zoho helped us improve a ton. Divvy helped us improve a lot more now that our credit cards and expense reporting are all under the same roof. Review Source ES Erin S. Accountant Non-Profit Organization Management Used the software for: Less than 6 months ### "Buyer Beware!!!" February 23, 2024 1.0 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. At least they would receive their money sooner! Pros I liked the idea of using the app and making expense re-imbursements easier for the employees. Cons Unfortunately, the execution has been a nightmare! People cannot log in, the managers cannot see the details of what the expense is for. Employees have to wait over 2 weeks to get their money. There are not enough approval levels for our company policies. And don't even get me started on the customer service! Half the time they cannot even understand English. Even if they understand what you are saying, they have no idea how to fix it! Alternatives considered [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reason for choosing BILL Spend & Expense We were already buying bill.com for AP. The payables side has been great. My only complaint about that is that there is no customer service number. You have to wait for them to call you back at their convenience like I have time to sit around waiting for a phone call. They usually call when I am in another meeting so it takes hours to get simple questions answered. Review Source Response from BILL February 27, 2024 Thank you for providing feedback, Erin. We appreciate knowing that you were wanting an app that makes re-imbursements easier for employees. We are sorry to hear about your frustrations with them not being able to login, waiting to be paid, lack of approval levels and the concerns you had with reaching customer service. You can contact us at 1(435)731-5078 between Monday-Friday 7am MST-5pm MST for assistance at any time. VR Verified Reviewer Assistant Controller Mental Health Care Used the software for: 1-2 years ### "Divvy makes everyone's job easier" February 24, 2022 5.0 Divvy has been an enormous improvement to my company by putting purchasing into the hands of the end user, with adequate accounting & budget control. Our users now do not have to use their own money for business expenses and get reimbursed if they have a divvy card, and the accounting department has to do less purchasing/ordering for programs now that they can do it themselves. We are loving the constant updates that make the system more robust and flexible. The customer service is amazing, I always get timely and friendly help, and every feature of the system is well documented/explained so it is easy to understand. Pros Ease of use, customer service, customizability, constant improvements to the system and its capabilities Cons Slow loading of transaction data on the website, could use more robust pre-approval process including more than one approver of an expense before a funds transfer, & our physical card orders get lost/never delivered about 50% of the time Reason for choosing BILL Spend & Expense We did not consider other products. Review Source VR Verified Reviewer Payroll and Benefits Coordinator Information Technology and Services Used the software for: Less than 6 months ### "The worst software purchase that I have ever experienced " January 4, 2023 1.0 Horrible and SUPER frustrating! When we were demoing the product we were told that the application process will take at the most a week, it took us 4 month to get our application approved. We have worked with following team: \[SENSITIVE CONTENT\]. It took sometimes several follow ups to get answer and any progress on the issues we were dealing with. In the end we had to go through their Credit Builder program to get set up on the system. 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 solution. (having experience working with other softwares this is very very long time)And final issue, logging in only two weeks after everything was set up (users, departments, integrations ect.) we see message \[SENSITIVE CONTENT\]. Which we do and the support team tells us that they are closing Credit Builder program and if we are still interested in their spend software we are welcome to re-apply for Divvy at any time.This is the most frustrating experience that I had thought my career. Pros Can't say anything here because I didn't even have an ability to experience the software. Cons The big one - support, from the start of application to installing the integration with Net Suite. Very slow to address the issues, team seemed very low on knowledge of the product and processes.The application process - limited to US only. If you want to apply for it and you are not in US DO NOT EVEN THINK about applying for it, the verification process was tedious and frustrating. Review Source Response from BILL January 10, 2023 Hello, I apologize that your experience with Divvy has not lived up to your (and ours) expectations. It looks your account has been reopened and is being reconsidered for a credit line at this point. If you are no longer interested in being reconsidered then we can take you off the list and close your account. Please reach out to us help@divvypay.com for further assistance. We appreciate you leaving a review, hearing your feedback will help us continue to improve the customer experience for you and others. LH Lindsey H. Owner Marketing and Advertising Used the software for: 6-12 months ### "Should still be in Beta - has a long ways to go..." January 22, 2020 2.0 I have always been a pretty early adopter for new platforms and I have to say, DivvyPay should still be in Beta Mode. Divvy - you could be great. Really really great. But you have a long ways to go. I’m rooting for you, but looking for other options in the meantime. Stop spending advertising dollars and fix your issues. Pros \- The virtual cards are BRILLIANT (1 of only 2 reasons I stay) - The ease of classifications of transactions and how customizable they are, this a great thing for my accounting team! (2 of only 2 reasons I stay) - The cards look nice - Their customer service is responsive (They will not call you unless you are a new customer trying to get an account so do know that. There is no phone support after being a customer.) Cons \- The app is getting better, but still has very very limited features. - The bill pay feature; run as fast as you can from this. I have a vendor that still has not been paid and I approved and funded the transaction over a month ago. Divvy has made this a manual process and they actually call ever vendor you add into the platform. They can’t call me for support - but sure will call my vendors. Every vendor I have tried this with has complained about how rude the people are who call and the turn around time is horrific. Stop calling my vendors - learn to do this via email or text like every other institute. - Changing of banks - don’t do it. I am 5 days into this process with this very small task and it is still not complete. Again all manual. You call and request them to change your bank, they email you a form to fill out. Then you wait until they decide to email you a sign now document to fill out. Then you wait again. I have no idea what I am waiting for at this point. No follow up and nothing proactive unless you complain. Archaic. I have switched over every other service in a few clicks of a button - why can’t you all figure it out? - Rewards - forget them. You can’t use them until you have been with the platform for a year. (No one tells you this when you sign up) and their prices are always more expensive then a simple google search. Plus they charge you a service fee every time you use the points on travel. Review Source LL Lou L. CFO Information Technology and Services Used the software for: 2+ years ### "Divvy is great. I highly recommend to companies of all sizes" October 4, 2022 5.0 Pros Divvy is a fantastic solution. We have been using it for 4 years and it not only saves our travelers and admin team time each month, but we feel it saves us from unnecessary spend each month. We are heavy users of Divvy with over 40 active users. We also manage all of our business software subscriptions via the virtual card solution that Divvy offers. This provides us greater visibility into spend and keeps it organized in one place. It also prevents fraud when using the virtual card solution. And come month end we easily integrate Divvy activity into our financial close in a matter of minutes. I highly recommend Divvy for companies of all sizes. It is truly a transformational expenses/card management solution that is light years ahead of the way it use to be done. Cons I've been pushing for a global solution with multi-entities so we can roll out to our UK and Canadian teams. No solution offers that at this time but hoping Divvy is the first as we would likely use it. Reason for choosing BILL Spend & Expense Great solution that had the credit line, expense reporting, visibility, and low cost. Review Source BM Becky M. VP of Finance Research Used the software for: 6-12 months ### "Great for small business" July 7, 2021 4.0 Overall, Divvy is very helpful. Their customer service reps are always very pleasant. My complaints are about the way the website and app function. Pros Divvy is great for tracking expenses and allows for employees to have their own card for purchases. Cons The worst part of Divvy is the approval process. It's not user friendly and doesn't make much sense. It can be a nightmare for companies that are audited. Review Source Ravi B. CEO Computer & Network Security Used the software for: 2+ years ### "Integrations are solid" September 11, 2023 5.0 Pros This product has a lot of really deep integrations for accounting software and the app is very good Cons its not a credit card and the billing practices prior to bill.com taking over were questionable at best. it does take a lot of work to setup all the integrations and workflows. Review Source Response from BILL September 12, 2023 Thank you for your feedback on BILL Spend & Expense Ravi. We are glad that our product is able to provide you with deep integrations for accounting and that the app is working well for you. We apologize for the difficulties that you experienced with billing and the work it takes to setup all the workflows and integrations. We are always looking for ways to make our software easier to use and if you need any assistance in future please contact 1(855)229)3111. PE Preston E. CFO Marketing and Advertising Used the software for: 2+ years ### "Divvy - Best There Ever Was" December 5, 2022 5.0 Pros Divvy is an incredibly useful platform that makes managing your company spend an absolute breeze. It is so easy to use too! Everyone in our company uses Divvy, and it requires very minimal training. 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. The reporting and filter options are fantastic! Don't know where we'd be without Divvy! Cons There truly is not that much to dislike about Divvy; however, if I did have to say one thing, it would be that I've encountered (a handful of times) moments where the mobile app or browser app has been unresponsive or hasn't been performing as you would expect it to. Divvy is constantly working on its apps, though, so this never stays around for long. Review Source MC Marc C. Facility Manager Primary/Secondary Education Used the software for: 1-2 years ### "Exactly what you need to manage expenses" December 15, 2022 4.0 I have been very happy with Divvy. The customer service, the simplicity of the system, the ability to budget are all been what we needed in an expense company credit card system. Pros It allows the creation of budgets. We can create budgets and give anyone access to a budget or not. Giving us the flexibility to give everyone a card and issuing funds on an as needed basis. Divvy also is constantly looking for ways to improve the product and make it better, for instance the dashboard of how many transactions need to be approved or completed. Cons It is hard to think of any, one thing I would like the ability to do would be to drag an email into the receipt box as a number of receipts are not attachments or pdfs. Watch they will upgrade the system to do this in the next release.I did think of one...card holders sometimes have been denied transactions when they have funds on their cards and or budgets. This has been very inconvenient for those traveling. Reason for choosing BILL Spend & Expense Budget Management Capabilities Review Source EL Erin L. Partner, Finance & Operations Non-Profit Organization Management Used the software for: Less than 6 months ### "Saves so much time for a small accounting and admin team" December 15, 2022 5.0 The Divvy team was fast and friendly. I submitted an application and a week later I had cards, an active admin portal and virutal cards set up for vendors. Special thanks to \[SENSITIVE CONTENT\] for helping us get set up so fast! Pros The best thing about Divvy is that employees can designate a transaction to a specific budget right at the time of the transaction. They upload the receipt right then and there and they're done! No more bugging staff for expense reports, missing receipts, wrong amounts. This will be a game changer for our small team. Cons We are still pretty new to Divvy but so far it's been great. We'll need to make sure that there are strong controls for everyone, including admins on the account but so far it has been a solid product. Very intuitive and easy to use. Reason for choosing BILL Spend & Expense We alreayd use Bill.com and both are very easy/intuitive products. AND they integrate withour QBO accounting software. It is speeding up the time of our admin processing by leaps and bounds. Review Source DM Dena M. Managing Director Construction Used the software for: Less than 6 months ### "This is amazing!" December 15, 2022 5.0 Pros The ease of setting up our Divvy account online was impressive. The ease of use for the field guys and the office has tremendously streamlined our process farther than I honestly thought ipossible. Cons I don't really have any complaints about Divvy, the only thing that I can say is that I wish the app was faster, but I think that has to do with technology and not the Divvy platform Reason for choosing BILL Spend & Expense This is the best platform to use for our company! Switched from [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) The ease of use for our field guys, they so appreciate the ease of use! Review Source GS Grant S. Controller Wholesale Used the software for: 1-2 years ### "You should use Divvy, seriously." December 6, 2022 5.0 I went from caputuring around 35% of my receipts using other methods to a 95% capture rate. This brings peace of mind that we know where our funds are being spent and that they are categorized correctly and backed up by documentation. Pros This is a huge time saver from an administrative standpoint. The end user experience is really simple and intuitive. I feel confident I have documentation and accuracy in my expenses. Cons There needs to be a reporting function for reimbursements. Alternatives considered [Expensify](https://www.capterra.com/p/97594/Expensify/) Reason for choosing BILL Spend & Expense It's free, it's an all in one platform to get it done, and there is a lot less work on the end user. Review Source VR Verified Reviewer Partner /CPA Accounting Used the software for: Less than 6 months ### "Divvy is very intriguing for us going forward" August 5, 2021 5.0 So far so good! I'm very intrigued to see if it replaces all our other tools quickly for clients. Pros Price is FREE for use, the card allows you to have control over spend much more than normal credit cards, you can extend credit to users on demand with a good approval workflow on the app/computer. Cons A bit overwhelming at first to setup but just need to get a handle on it. The users don't need to use that ability anyway. But the users do have control to request credit/use of card and that is great but also can be more tedious than just walking in and swiping. Alternatives considered [Emburse Spend](https://www.capterra.com/p/248242/Emburse-Spend/)[Expensify](https://www.capterra.com/p/97594/Expensify/)[Emburse Expense Professional](https://www.capterra.com/p/99984/Certify-Travel-Expense-Management/)[Emburse Nexonia](https://www.capterra.com/p/99986/Nexonia-Expense-Reports/)[Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/) Reason for choosing BILL Spend & Expense spend controls Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/)[Emburse Nexonia](https://www.capterra.com/p/99986/Nexonia-Expense-Reports/) Pricing & control of spend Review Source LH Laura H. Chief of Staff Computer Software Used the software for: 2+ years ### "Grow with Divvy" December 5, 2022 5.0 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 outsourced accountant for 4+ years instead of hiring a new employee. As we grow to surpass 100+ employees, we look forward to continuing to grow with Divvy and seeing what value they continue to provide. Pros Divvy is ahead of its time as a product and company. The employees are high-quality, super helpful, and they have a fast chat response time and help solve your problems quickly. The product is constantly improving. It has helped us to manage spend from less than 10 employees to almost 100 employees. Cons Waiting on HRIS integration with Rippling but told this is coming soon! Can't wait! Review Source AB Anthony B. Human Resources Construction Used the software for: Less than 6 months ### "Perfect for our small construction company." July 22, 2022 5.0 Using Divvy has solved so many issues for us. First in foremost we've saved roughly 30-40 hours a month in receipt tracking. It's very easy to set up and use. We're very happy with Divvy. Pros We loved how easy it was to roll out to our employees. Each card came with instructions. Very little had to be done to get the ball rolling. We love how visible the spend in our company is. We have a much better understanding on how much we spend per expense. A lot better than the manual method we were using. The cards work! We've tried other services that had declined transactions on a regular basis. These cards have had no issues. Cons We've had very little in the way of complaints. Currently the Divvy cards have a spend limit of $100 when purchasing fuel. From my understanding this is a VISA issue and out of their control. I would also say that there are better platforms for larger businesses. Our company has around 50 employees and Divvy ended up being perfect for us. Alternatives considered [Expensify](https://www.capterra.com/p/97594/Expensify/)[Emburse Expense Professional](https://www.capterra.com/p/99984/Certify-Travel-Expense-Management/)[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[ExpensePoint](https://www.capterra.com/p/92390/ExpensePoint/) Reason for choosing BILL Spend & Expense We wanted to find a platform with low monthly costs. Divvy is a free service from a business standpoint. You simply use their cards. Other platforms had this as an option but typically bundled a number of things we didn't need along with it. Switched from [Mesh Payments](https://www.capterra.com/p/218926/Mesh-Payments/) Mesh had problems with cards declining and the software seemed to be in a beta phase. Review Source CG Caleb G. Senior Accounting Manager Government Administration Used the software for: 1-2 years ### "Divvy - Always Great Service with an Excellent App" February 3, 2021 5.0 Divvy has allowed our organization to set more controls and give more responsibility to managers through use of individual budgets. Divvy also has transactions show up in the users transaction log instantaneously, making it easier for individuals to do all of their admin work right away. Pros My favorite feature is the ability to control credit lines for individuals at any given time. If an employee who rarely uses the corporate card suddenly has a need, we can adjust accordingly. Cons For the time being, Divvy doesn't integrate with our ERP, Netsuite. As such, I have to import into our ERP with CSVs which isn't ideal. Divvy is currently BETA testing an integration with Netsuite so we are patiently awaiting the full release of that. Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/) Expensify wasn't as user friendly when it came to how quickly transactions were entered into the transaction log resulting in loss of documentation for credit card users. The controls that are present in Divvy's system were also missing from our previous credit card provider. Review Source VR Verified Reviewer Controller Education Management Used the software for: 2+ years ### "Controller" December 5, 2022 5.0 Overall, we are extremely pleased with Divvy and I highly recommend it. Pros Switching to Divvy purchase cards have streamlined our processing of credit cards statements exponentially. The flexible budgeting controls allows us to issue cards to more staff and process more invoices via credit card. Cons The customer support is lacking - we often find ourselves in a continuous loop in the support chat. Review Source Phil N. Director and CFO Computer Software Used the software for: 6-12 months ### "Upgraded Our Expense Management Process!" February 24, 2022 4.0 We spend less time printing, scanning, typing, and re-typing for our expenses since beginning to use Divvy. It's a net positive. Pros App is very easy to use - almost no instruction needed - intuitive! Cons Lack of integration of reimbursements - expenses not charged to the card - with our accounting software makes the last 10-15% of our transactions more difficult than before. Review Source AS Amanda S. Executive Director Religious Institutions Used the software for: 6-12 months ### "No more chasing down receipts!" February 24, 2022 5.0 Pros The Divvy Visa card and mobile app have been the best! My team is able to make purchases, instantly upload receipts, code their purchases to match our accounts and classes in QBO, and I can easily review, approve and sync to QBO. Such a time and effort saver! And I know that our QBO is accurate because it's a direct sync, no other people needing to reconcile from a credit card statement. Cons None really - sometimes the transactions screen freezes and goes blank after I've approved and synced a transaction but this is fixed by a reboot. Review Source LV Lynda V. COO Renewables & Environment Used the software for: 6-12 months ### "Best Decision " December 15, 2022 5.0 Pros We love divvy and are so glad we incorporated it into our company this year. It has saved executives and a employees hours on expense reporting. It has helped us start planning budgeting. Also the requesting and approving of funds is so easy. I have and will continue to recommend Divvy to others! Cons The only negative is the delay on the pre loading for ACH is super long. Review Source EB Eben B. Pastor Religious Institutions Used the software for: 1-2 years ### "Wonderfully Powerful Expense System" December 16, 2022 5.0 Wonderful. From onboarding the system until now, it’s been a wonderful experience Pros Love the QBO integration and how effective, intuitive and powerful that feature is. Seamless in how we experience getting transactions logged. Cons Automatic seemingly meaningless credit limit adjustments. This is confusing. Reason for choosing BILL Spend & Expense QBO integration Review Source SC Scott C. Director of Trips Consumer Services Used the software for: 6-12 months ### "Managing money on tour has never been easier" October 4, 2022 5.0 Before we had to go at the end of month and code transactions for a team that is literally world wide. By switching to divvy, no more chasing people down for expense reports. Instant and the receipt capture feature is brilliant. We have implemented this out to the tour groups we operate. Tens of thousands of dollars that move easier with more precision than before with cash or card. Pros Divvy has made it seamless and easy to manage funds for our tours. Lots of moving parts, very little time spent. Automatically categorize expenses that sweep into QBO. Makes end of month easy as pie. Currently 600 users and love it! Cons Occasional declines for software errors and no way to schedule fund drops Review Source AM Anna M. Director of Accounting Non-Profit Organization Management Used the software for: 2+ years ### "Great program, simplifies expense tracking!" December 15, 2022 4.0 even though its a newer company, we love Divvy. Their customer service and support teams always do their best to make it a comfortable process for all users. Pros simplifies expense tracking, reimbursements, receipt collecting, approval process Cons its newer so working out bugs still. I don't really think this is a big con, but its what I could think of Alternatives considered [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/) Reason for choosing BILL Spend & Expense simplicity. Concur was way too robust for what we needed Switched from [Expensify](https://www.capterra.com/p/97594/Expensify/) at the time, expensify didn't have a corporate card. They do now, but we've learned how much easier and cleaner DIvvy is Review Source HL Heather L. Bookkeeper Religious Institutions Used the software for: Less than 6 months ### "I will recommend Divvy to everyone!" December 15, 2022 5.0 Amazing. Onboarding was great, the help videos and articles are very easy to understand and very helpful. The whole team has been great to work with. Pros So many things I love about Divvy, the cards look "cool"! The app and web interface are intuitive and easy to use. 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 monthly expense reporting. Uploading and email receipts is very easy and each transaction pops up immediately which reminds employees to add a receipt and code right away. Cons So far, there are only 2 things that I can think of that could use improvement:I've been told by employees that when I deny their transaction, it comes back to them without the receipt attached and the coding is gone.I would also love to have the capability to add a negative amount in a split transaction. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.