# Compare BILL Spend & Expense vs Payhawk 2026 | Capterra > Unsure of what to choose? Check Capterra to compare BILL Spend & Expense and Payhawk based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/166905-200192/Divvy-vs-Payhawk --- # BILL Spend & Expense vs Payhawk Features and Cost Comparison Last updated March 13th, 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 & ExpensePayhawk2/4 selected [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (433)](https://www.capterra.com/p/166905/Divvy/reviews/) [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.6 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/) [## BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (433)](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 [433 reviews](#user-reviews) Positive 411 Neutral 7 Negative 15 [## Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.6 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/) Starting Price Contact vendor Value-for-Money 4.5 Functionality 4.4 Ease of Use 4.6 Customer Service 4.7 Reviews Sentiment Based on [187 reviews](#user-reviews) Positive 172 Neutral 13 Negative 2 ## Not a match? 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Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 83%Fit High performer Feature ratings Receipt Management 4.8 Expense Tracking 4.8 Spend Control 4.7 Approval Workflow 4.4 Spend Analysis 4.1 79%Fit Feature ratings Receipt Management 4.5 Expense Tracking 4.4 Spend Control 4.5 Approval Workflow 4.0 Spend Analysis 3.9 User satisfaction User satisfaction 4.7 User reviews[433](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 4.6 User reviews[187](https://www.capterra.com/p/200192/Payhawk/reviews/) Ease of use 4.6 Functionality 4.4 Value for money 4.5 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 Payhawk caters to enterprises, mid-market and SMBs in various industries across the globe. ## User reviews Pros & cons 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) 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 provide..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6849999) 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 > "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 side..." [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) 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) 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) 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 LOC..." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) 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 thoughtful..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6772799) 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) 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) 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) 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) 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 subscription..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7010134) 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) 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) AG Annie G. Sr. Accountant > "It seamlessly integrates with ERPS like Netsuite." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6702103) 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 it..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6611906) AF Adashia F. Owner > "USER ACCESS - user friendly, easy to get into" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7074502) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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 quickly." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6679582) VR Verified Reviewer Executive Director > "The automatic categorization and receipt tracking saves us so much time, as our organization has three physical locations, multiple departments,..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4133709) 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) 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 the..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4315172) 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) 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) 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) 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) 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) Maddie T. System Administrator > "Because it is so user-friendly, this program has completely changed the way we track our expenditures and enter our data. Because each employee..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___3511606) 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 when..." [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) 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) 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) 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) 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) 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) 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 a..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357296) MR Mark R. Private Security > "It felt predatory and completely negligent." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6811483) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) BM Bradyn M. CEO > "Spend and Expense is an absolute nightmare." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) 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 to..." [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 like..." [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) JD Jonathan D. Producer > "It's great to have a business line of credit available; really helped with my cashflow and having a card to give to others over which I have such..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357954) 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) VR Verified Reviewer Controller > "Switching to Divvy purchase cards have streamlined our processing of credit cards statements exponentially. " [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4314887) 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 will be..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4652237) [View Reviews](https://www.capterra.com/p/166905/Divvy/reviews/) MP Mark P. Managing Director > "We integrated Payhawk into two of our property businesses at the end of 2022 and it has streamlined expenses superbly,..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6679390) MO Michael O. Client Liaison Manager > "What i like the least is when i purchase an Amazon product it can take half a day or so for the transaction to show up on..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6678111) NB Nico B. Finance Team member > "Payhawk was a complete upgrade from our previous system, cardhoilders are now able to code and submit corporate card and..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6679317) VR Verified Reviewer Customer Service Manager > "The mail receipt feature doesn't always match receipts." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6678190) AM Anmol M. Finance and Accounts Admin Officer > "This is my first time using this system at my current workplace. And I like having clear visibility of expenses being..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6804624) RoR Rocío R. Finance Annalyst > "Cost too much, the integration with our ERP wasn't good; , you need to pay if you want a physical credit card, and Payhawk..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___4918597) VR Verified Reviewer Marketing and Sales Operations Associate > "The automation features and integrations help simplify tracking and approvals, making it a convenient solution for daily use." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6678486) MF Meltem F. CFO Assistant > "We have been testing with the integration with NetSuite for a long period now and are still not ready to go live (currently..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___4798807) Jochanan B. CEO > "Easy to make a credit card for your employees, but that's it. But at companies like Revolut you can do this for free." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___7128231) JC Jasmine C. Finance Manager > "Payhawk automatically fill in some information based on the invoice uploaded but some information can be wrong for examples..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6013552) Ramtin T. Backend Engineer > "What I liked most about Payhawk is its seamless integration of expense management, corporate cards, and accounting." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6679335) MS Michael S. Administrationschef > "Picture optimization has given us some minor challenges with receipts that wasn't readable." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6018903) NS Nicole S. Finance and Admin Assistant > "their customer service is quite responsive, the cards are compatible with google pay/ wallet as well" [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6809467) NF Nicola F. Admin and Accounting > "It annoys me very much, as I have to try many, many, many times and try to find a way to fool the tool, to read/accept the..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___5079743) SP Santiago P. VP of Sales > "Automated Workflows – Simplifies approvals and reconciliations, reducing manual work." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6680634) LE Luke E. Project Management > "The mileage system is a bit inflexible and doesnt let you alter routes easily" [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___4907129) EV Elizabet V. People Operations > "The expense submission and tracking is a big optimization for any small or large scale business." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6679466) DA Denzel A. Finance Assistant > "I struggle with seamless data entry on Payhawk" [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___5019610) ML Marianne L. Junior finance change management > "It's a practical application for our company's purchases, especially one-time payments." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6807511) SK Sarah K. HR > "Cannot schedule payments for future dates" [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___4951797) ML Marianne L. Junior finance change management > "We're implementing it across our teams, and the FAQ is comprehensive." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6807511) NU Natalia U. Senior Accountant > "certain Accounting/ Finance understanding of workflow is missing" [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___4986377) VR Verified Reviewer CFO > "Great product, especially for companies with entities in different countries and having to pay in multiple currencies." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6678100) AL Alejandro L. Senior VFX Artist > "There is nothing remarkable that has caused me rejection." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6679918) CL Charles L. Product Manager > "I used it as an employee who submits expenses for reimbursement, and I found the tool highly effective due to its simplicity..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6679271) MV Margot V. Chat coordinator > "I feel that the interface of the company expenses is quite hectic." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___4992635) VR Verified Reviewer CCO > "Payhawk has helped to reduce times in spend and invoices management as employees directly treat with the platform and all the..." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___5074013) JR Jennifer R. CFO > "A lot of employees seemed to struggle with activating their cards. " [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___5069915) JM Johannes M. Associate Water Engineering > "The auto populate from images of receipts is probably the best I've experienced for expenses software." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6678299) SE Sherene E. HR People Partner > "Each and every expense is separate and that makes it confusing." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6052769) TS Tomas S. Financial Controller > "Integration with NetSuite works well too as well as the platform overall is user friendly." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6835041) TS Tristan S. SAP Consultant > "I really feel the impact of a missing SAP integration." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___4935961) JM Johannes M. Associate Water Engineering > "Payhawk has made expense submission for me efficient and has removed the usual pain I have." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6678299) JM Jack M. Systems Manager > "The UI of the website can be cumbersome and prone to breaking completely." [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___4674419) JP James P. Head of Finance > "Works ok for multi-entity, very easy to issue, manage and use cards, AP is ok, reimbursements are good" [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___6679409) HG Hamish G. CFO > "OCR not always working, can be tricky to correct when it misidentifies" [See full review](https://www.capterra.com/p/200192/Payhawk/#Capterra___4683003) [View Reviews](https://www.capterra.com/p/200192/Payhawk/reviews/) ## User interface [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) 4.67 (433) [Payhawk](https://www.capterra.com/p/200192/Payhawk/) 4.60 (187) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features BILL Spend & Expense Top features 40/50 - Accounting - Accounting Integration - Activity Dashboard - Activity Tracking - Ad hoc Reporting - AI Copilot - API - Approval Process Control - Approval Workflow - Audit Management - Audit Trail - Billing & Invoicing - Budget Control - Budgeting/Forecasting - Categorization/Grouping - Compliance Management - Configurable Workflow - Credit Card Management - Customizable Reports - Data Import/Export - ERP integration - Expense Claims - Expense Tracking - Financial Management - Generative AI - Invoice Management - Invoice Processing - Multi-Currency - Prepaid Cards - Procurement Management - Purchase Order Management - Purchasing & Receiving - Real-Time Analytics - Real-Time Data - Real-Time Monitoring - Real-Time Notifications - Real-Time Reporting - Real-Time Updates - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Requisition Management - Rules-Based Workflow - Spend Analysis - Spend Control - Supplier Management - Third-Party Integrations - Time & Expense Tracking - Transaction History [See all features](https://www.capterra.com/p/166905/Divvy/#features) Payhawk 38/50 - Accounting - Accounting Integration - Activity Dashboard - Activity Tracking - Ad hoc Reporting - AI Copilot - API - Approval Process Control - Approval Workflow - Audit Management - Audit Trail - Billing & Invoicing - Budget Control - Budgeting/Forecasting - Categorization/Grouping - Compliance Management - Configurable Workflow - Credit Card Management - Customizable Reports - Data Import/Export - ERP integration - Expense Claims - Expense Tracking - Financial Management - Generative AI - Invoice Management - Invoice Processing - Multi-Currency - Prepaid Cards - Procurement Management - Purchase Order Management - Purchasing & Receiving - Real-Time Analytics - Real-Time Data - Real-Time Monitoring - Real-Time Notifications - Real-Time Reporting - Real-Time Updates - Receipt Management - Reimbursement Management - Reminders - Reporting & Statistics - Requisition Management - Rules-Based Workflow - Spend Analysis - Spend Control - Supplier Management - Third-Party Integrations - Time & Expense Tracking - Transaction History [See all features](https://www.capterra.com/p/200192/Payhawk/#features) ### Recognition No recognitions have been awarded to BILL Spend & Expense No recognitions have been awarded to Payhawk ### 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 Payhawk 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 Payhawk - By Payhawk - Located in United Kingdom - Founded in 2018 ## Popular Comparisons [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (433)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (233)](https://www.capterra.com/p/211744/getmoss/reviews/) $0/month Price Contact vendor for pricing 4.5 Features 4.8 4.6 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/166905-211744/Divvy-vs-getmoss) [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/) vs [webexpenses](https://www.capterra.com/p/140646/webexpenses/)[4.52 (1,105)](https://www.capterra.com/p/140646/webexpenses/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.4 Features 4.4 4.6 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/140646-200192/webexpenses-vs-Payhawk) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (433)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,241)](https://www.capterra.com/p/380/Concur-Expense/reviews/) $0/month Price Contact vendor for pricing 4.5 Features 4.2 4.6 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-166905/Concur-Expense-vs-Divvy) [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,241)](https://www.capterra.com/p/380/Concur-Expense/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.4 Features 4.2 4.6 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-200192/Concur-Expense-vs-Payhawk) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (433)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (216)](https://www.capterra.com/p/207081/Ramp/reviews/) $0/month Price $15/month 4.5 Features 4.8 4.6 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/166905-207081/Divvy-vs-Ramp) [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.51 (1,322)](https://www.capterra.com/p/97594/Expensify/reviews/) Contact vendor for pricing Price $5/month 4.4 Features 4.4 4.6 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/97594-200192/Expensify-vs-Payhawk) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (433)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Wallester](https://www.capterra.com/p/268164/Wallester/)[4.87 (129)](https://www.capterra.com/p/268164/Wallester/reviews/) $0/month Price €0/month 4.5 Features 4.8 4.6 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/166905-268164/Divvy-vs-Wallester) [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/) vs [Zoho Expense](https://www.capterra.com/p/142384/Zoho-Expense/)[4.62 (1,192)](https://www.capterra.com/p/142384/Zoho-Expense/reviews/) Contact vendor for pricing Price $3/month 4.4 Features 4.5 4.6 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/142384-200192/Zoho-Expense-vs-Payhawk) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (433)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Budgetly](https://www.capterra.com/p/255448/Budgetly/)[4.89 (136)](https://www.capterra.com/p/255448/Budgetly/reviews/) $0/month Price A$240/month 4.5 Features 4.9 4.6 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/166905-255448/Divvy-vs-Budgetly) [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,409)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Contact vendor for pricing Price $38/month 4.4 Features 4.3 4.6 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/190778-200192/QuickBooks-Online-vs-Payhawk) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (433)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.51 (1,322)](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) [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (187)](https://www.capterra.com/p/200192/Payhawk/reviews/) vs [Circula](https://www.capterra.com/p/185116/Circula/)[4.62 (564)](https://www.capterra.com/p/185116/Circula/reviews/) Contact vendor for pricing Price €10/month 4.4 Features 4.5 4.6 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/185116-200192/Circula-vs-Payhawk)