# 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 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: SAP ConcurBILL Spend & Expense2/4 selected [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (432)](https://www.capterra.com/p/166905/Divvy/reviews/) [## SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.3 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) Starting Price Contact vendor Value-for-Money 4.1 Functionality 4.2 Ease of Use 4.1 Customer Service 4.1 Reviews Sentiment Based on [2,238 reviews](#user-reviews) Positive 1,921 Neutral 220 Negative 97 [## BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.7 (432)](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 [432 reviews](#user-reviews) Positive 410 Neutral 7 Negative 15 What’s your intended use case? ## Summary * * * Key features rated by users Features selected based on 10,217 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 84%Fit High performer Feature ratings Expense Tracking 4.6 Receipt Management 4.5 Expense Claims 4.6 Invoice Management 4.3 Mobile Receipt Upload 4.6 73%Fit Missing features Feature ratings Expense Tracking 4.8 Receipt Management 4.8 Expense Claims 4.4 Invoice Management NA Mobile Receipt Upload 4.7 User satisfaction User satisfaction 4.3 User reviews[2,238](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[432](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 \-- - 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 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) 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 to..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7062934) 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 payment..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7078983) 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 but..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6821171) 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) 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) 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) 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 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 receipts,..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425793) 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) 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) 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 the..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157) 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 the..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6808645) 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) 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) 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) 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) 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) 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) UC Urgan C. Associate > "You can automate approval workflows and integrate with corporate policies ensures that expenses are processed quickly, while maintaining compliance with..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6504628) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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 missing..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6425287) 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) 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) 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) 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) 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) 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) 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) 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) 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 is..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6589892) 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) 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) 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) and..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#SoftwareAdvice___6642951) 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) 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) 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) 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) 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) 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) 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 important..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013) 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) 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) 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) 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) FM Faisal M. Payroll > "Interface feels outdated and not always intuitive" [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7011458) VR Verified Reviewer HR Lead > "The best thing about SAP Concur is that it is very easy to use and to manage the expenses and reimbursement purpose. Once the card is linked to the..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6665344) 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 > "I use Concur for recording all expenses incurred during a business travel and the entire process is very seamless and easy" [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6576013) DL Dave L. Senior Consultant > "The user interface is complicated." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6797157) VR Verified Reviewer Business Development > "Very solid platform that helps our team stay focused and productive!" [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7052781) 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) JI Joy I. Administrative Coordinator > "SAP Concur allows me to save time by managing expenses automatically which also eradicates fraud." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6665790) OG Oscar G. Product Manager > "Slowly access to available flights and hotels to booking, and system to include the expenses is tedious with old UI, ready to be refreshed for a better..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___5039958) KJ Katie J. Product Marketing > "Personally, I find the mobile version to be much more user friendly for submitting expense reports specifically." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6808009) WH Warren H. Data And Tech Lead > "It can be hard to find the different between credit card expenses to the company and reimbursements, you do have to make errors to be highlighted to an..." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___4901953) BH Brian H. Environmental Compliance Engineer > "The app is great to use while on the road as I can do everything including importing receipts." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7018783) Margaret R. Professor > "Confusing, waste of precious time, responses from support people look like they are AI generated." [See full review](https://www.capterra.com/p/380/Concur-Expense/#GetApp___6603849) Victoria H. HR Director > "Just easy to use outside of uploading receipts but I believe you can email them to the file as well not sure ." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___7069673) TB Tom B. Electrical Inspector > "It’s common for the mobile receipt sensing to not recognize the vendor or location and has to be manually corrected." [See full review](https://www.capterra.com/p/380/Concur-Expense/#Capterra___6076843) [View Reviews](https://www.capterra.com/p/380/Concur-Expense/reviews/) 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) 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) 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) 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) BM Bradyn M. CEO > "It draws the cash from my bank account like an ACH transaction (so I assumed it was going to work, but like Bill always does, I had to wait..." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) HN Hallye N. Operations Manager > "Bill has been great for management in our company with budgeting and tracking." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6864508) VR Verified Reviewer 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) 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) 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) 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) 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) 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) AG Annie G. Sr. Accountant > "It seamlessly integrates with ERPS like Netsuite." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6702103) VR Verified Reviewer 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) AF Adashia F. Owner > "USER ACCESS - user friendly, easy to get into" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___7074502) HN Hallye N. Operations Manager > "I do not like that we cannot sync photos from Bill to QBO." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6864508) KI Kenneth I. Window cleaner > "I am able to get through the month knowing what i've spent and not going over budget" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6569723) 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) ML Madison L. Business Development Manager > "BILL has been so easy to use and makes keeping track of receipts and budget very easy" [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6504584) MR Mark R. Private Security > "There was no notice, no option to schedule repayment, and no transparency." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6811483) AH Amy H. Owner > "The app is easy to use and it automatically categorizes expenses." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6529578) 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) 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 > "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) 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) 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) 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) 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) 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) 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) 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 > "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) 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) 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) 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) 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) 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) 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) 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) BM Bradyn M. CEO > "Meanwhile my bank account is out the money, and I personally am out $20,000." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) KT Krystal T. Software Solutions Assoc > "Coupled with it's low price of FREE-99, it offers great control over expenses in a real time capacity." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6037593) CS Carmel S. Media > "I was essentially forced into purchasing this subscription or I would not be able to get paid." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6849999) 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) 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) 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) 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) 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 a..." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___4357296) BM Bradyn M. CEO > "Spend and Expense is an absolute nightmare." [See full review](https://www.capterra.com/p/166905/Divvy/#SoftwareAdvice___6773870) 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) MR Mark R. Private Security > "It felt predatory and completely negligent." [See full review](https://www.capterra.com/p/166905/Divvy/#Capterra___6811483) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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/) ## User interface 4.30 (2,238) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/) 4.67 (432) ## 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 No recognitions have been awarded to SAP Concur No recognitions have been awarded to BILL Spend & Expense ### 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 ## Popular Comparisons [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,238)](https://www.capterra.com/p/380/Concur-Expense/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 4.2 Features 4.4 4.1 Ease of Use 4.4 [View full comparison](https://www.capterra.com/compare/380-140646/Concur-Expense-vs-webexpenses) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (432)](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) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,385)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Contact vendor for pricing Price $38/month 4.2 Features 4.3 4.1 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/380-190778/Concur-Expense-vs-QuickBooks-Online) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (432)](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) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,309)](https://www.capterra.com/p/97594/Expensify/reviews/) Contact vendor for pricing Price $5/month 4.2 Features 4.4 4.1 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/380-97594/Concur-Expense-vs-Expensify) [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (432)](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) [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 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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 (432)](https://www.capterra.com/p/166905/Divvy/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.50 (1,309)](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)