# BILL Spend & Expense Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about BILL Spend & Expense Software - reviews, pricing plans, popular comparisons to other Spend Management products and more. Source: https://www.capterra.com/p/166905/Divvy --- # BILL Spend & Expense Software Review 2026: Features, Integrations, Pros & Cons Last updated on March 13, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. Independent research methodology Capterra’s researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. 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[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/) [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Users](#users)[Pros and Cons](#pros-cons)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) BILL Spend & Expense ## What is BILL Spend & Expense? BILL Spend & Expense (formerly Divvy) offers an extraordinary way for businesses to gain complete control over their spending with our user-friendly software and corporate cards. Our unique budgeting software allows companies to precisely manage their expenses while also simplifying cash flow planning. And the best part? It’s completely free, so managing your business expenses is easier than ever. For more information, visit bill.com. ## What is BILL Spend & Expense used for? [Spend Management](https://www.capterra.com/spend-management-software/)[Expense Report](https://www.capterra.com/expense-report-software/)[Financial Reporting](https://www.capterra.com/financial-reporting-software/) Top alternative Featured Overall rating Based on 433 user reviews Reviews sentiment Positive 95% Neutral 2% Negative 3% Pros & cons Intuitive and accessible platform Streamlined expense tracking tools Occasional software glitches Contact vendor for pricing Free trial available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for BILL Spend & Expense?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=http://www.bill.com&name=BILL Spend & Expense) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### BILL Spend & Expense 4.7 (433) VS. [4.4 (3,282)](https://www.capterra.com/p/120109/Xero/reviews/) Starting Price Contact vendor Starting Price $25 Flat Rate, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (432) Ease Of Use 4.4 (7,647) Value For Money 4.7 (387) Value For Money 4.2 (6,560) Customer Service 4.6 (390) Customer Service 4.0 (6,264) ## BILL Spend & Expense alternatives [4.2 (2,007)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars Highest Rated [4.7 (822)](https://www.capterra.com/p/163114/Zoho-Invoice/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 96% of reviewers rated it above 4 stars [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) [4.3 (8,413)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Starting price $38.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/190778/QuickBooks-Online/) [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,341)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) [View all alternatives](https://www.capterra.com/p/166905/Divvy/alternatives/) ## Who uses BILL Spend & Expense? Based on Capterra reviews from the past 4 years Talk to a software expert to get a free software list tailored to your business needs ## Pros and Cons Intuitive and accessible platform 90% positive reviews out of 108 Most reviewers find ease of use valuable, highlighting simple navigation, fast onboarding, and user-friendly mobile access. Occasional software glitches 62% negative reviews out of 32 Some users report bugs and issues, including slow performance, display errors, and unresolved technical problems causing inconvenience. Streamlined expense tracking tools 89% positive reviews out of 89 Most reviewers describe expense management as efficient, saving time, improving accuracy, and supporting real-time budget visibility. Antonella L Accountant, 51 - 200 employees. "I like that it makes accounting easy and offers best features for expense management and reporting" Advanced virtual card controls 90% positive reviews out of 31 Most users comment virtual cards simplify issuing, control spending, enhance security, and streamline vendor management. Suehyun C accounting support, 11 - 50 employees. "Uploading and managing receipts is easy; issuing cards and creating "virtual cards" are all wonderful." ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Expense Tracking 4.8 (193) 68.39% of 193 reviewers that rated this feature as important or highly important BILL Spend & Expense offers real-time expense tracking, category assignment, and budget visibility. Reviewers indicate it simplifies monitoring, reporting, and organizing expenses, with seamless syncing to QuickBooks Online and easy departmental budget management. Receipt Management 4.8 (167) 66.47% of 167 reviewers that rated this feature as important or highly important It gives you streamlined receipt collection and organization, letting you store digital copies, set upload requirements, and retrieve receipts for audits. Some reviewers find it valuable for improving compliance, reducing lost receipts, and simplifying audit preparation. Spend Control 4.7 (124) 58.06% of 124 reviewers that rated this feature as important or highly important This aspect helps you set spending limits, create budgets, and assign virtual cards. Some users say they value the flexibility and ease of controlling spend by person or department, though a few mention wanting more notification options and simpler fund adjustments. Accounting Integration 4.1 (91) 56.04% of 91 reviewers that rated this feature as important or highly important You benefit from integrations with QuickBooks Online, QuickBooks Desktop, and Netsuite. Some reviewers report easy transaction syncing and time savings, while others mention challenges with less common accounting software and occasional integration setup issues. Mobile Receipt Upload 4.7 (86) 65.12% of 86 reviewers that rated this feature as important or highly important With this capability, you can quickly upload receipts using your phone’s camera, email, or computer. Reviewers appreciate how easy and convenient it is, noting it saves time, reduces lost receipts, and helps keep expense documentation complete and organized. Approval Process Control 4.4 (86) 56.98% of 86 reviewers that rated this feature as important or highly important Manage the process of evaluating documents or requests submitted for approval BILL Spend & Expense 102 features Method used in decision-making that allows businesses to input variables to forecast potential outcomes or possibilities Define levels of authorization for access to specific files or systems Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. You benefit from integrations with QuickBooks Online, QuickBooks Desktop, and Netsuite. Some reviewers report easy transaction syncing and time savings, while others mention challenges with less common accounting software and occasional integration setup issues. Dashboard to view the status of ongoing processes, identify current incidents and track past activities Generate one-off reports that meet information requirements Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Application programming interface that allows for integration with other systems/databases Manage the process of evaluating documents or requests submitted for approval Route documents and other data through one or more stakeholders for review and approval Plan, schedule, and execute organization's accounts and assets to ensure compliance with policies and laws A record of all activities within the system, including user access, changes made, etc. Match digital receipt images or data with corresponding expense entries Compare and match accounting/financial records with corresponding bank statements Gateway through which end users can view past bills and pay current invoices Create, update, and manage bookings, itineraries, and reservations Manage and monitor spending to align with the financial constraints or goals Create budgets based on historical data and future projections Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances Organize and group data or items based on various criteria Manage contact details and communication with clients Track and manage adherence to policies for any service, product, process, or supplier Configure existing workflows to meet your organization's needs Combining loans, assets, liabilities, and other financial data from multiple subsidiary companies into one entity for reporting Centralized database of stakeholders and their contact information such as names, address, phone number etc. Manage and track credit cards that are distributed to employees to use for authorized business expenses Financial system that helps create and manage physical/digital credit cards and track transaction activities Customize data fields to support various needs and use cases Alter the layout and content of reports Pre-designed layouts that can be customized to match preferences and requirements Assembly of graphs and charts for visualizing and tracking statistics/metrics Import and export data to and from software applications Graphical representation of data Store, manage, and track all electronic documents in a centralized location Compare new data with existing records to detect duplicate entries Electronically collect payments for goods or services Gateway through which employees can access the system Integrate with existing ERP systems Attaching relevant receipts or supporting documents to submit expenses for reimbursement BILL Spend & Expense offers real-time expense tracking, category assignment, and budget visibility. Reviewers indicate it simplifies monitoring, reporting, and organizing expenses, with seamless syncing to QuickBooks Online and easy departmental budget management. Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk Plan, manage, and track the financial activities of an individual or organization Centralized database to track details of fixed assets such as depreciation and maintenance scheduling/history Software specialized for accountants and accounting firms Identify and prevent suspicious activity Centralized accounting record which tracks all financial transactions A statement detailing the financial position of a business including assets, liabilities, and equity at a certain point in time Create invoices from scratch or have recurring invoices Store and view prior invoices for each account/client Access software remotely via mobile devices Access the system via a mobile application Clients can submit payments via mobile devices With this capability, you can quickly upload receipts using your phone’s camera, email, or computer. Reviewers appreciate how easy and convenient it is, noting it saves time, reduces lost receipts, and helps keep expense documentation complete and organized. Manage the accounting and financial aspects of multiple locations or companies in a single location Manage and handle various international currencies Book meetings and appointments through a website or digital platform Create, send, and view electronic invoices Accept and process online payment transactions Tracking, managing, and initiating the transfer of funds for overdue customer payments Accept, record, and reconcile financial transactions Create, manage, and track policies and procedures within an organization Bank cards with approved funds pre-loaded that employees can use for corporate purchases Streamlining repetitive tasks and activities through automated and predefined workflows A type of financial statement used to record and report an organization's revenues, costs, and expenses over a specific amount of time Monitor the progress of projects from start to finish Workflows that help acquire inventory, issue purchase orders and receive and store items in required quantity Integrates with QuickBooks Receive notification of issues as soon as they occur Analyze and gain insights into data in real-time Receive data and information in real time Active monitoring of systems, applications, or networks Notifications that are delivered to users as soon as an event occurs Active reporting of data and metrics Receive system updates as soon as any changes are made It gives you streamlined receipt collection and organization, letting you store digital copies, set upload requirements, and retrieve receipts for audits. Some reviewers find it valuable for improving compliance, reducing lost receipts, and simplifying audit preparation. Automated process of charging customers at regular intervals for repeated access or use of a product or service Manage compensation for out-of-pocket expenses incurred by an employee, client or another party Timed notification for any upcoming task, deadline, appointment, or activity Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Establish limitations based on certain conditions Automates and streamlines business processes by creating a sequence of predefined rules and actions that govern the flow of work Search and filter data across systems to locate required information by entering keywords or certain criteria Securely stores data to prevent data loss or breaches Allow users to create their own reports and financial statements Allow users to access multiple services after entering their login credentials once Review and uncover trends in spending activity This aspect helps you set spending limits, create budgets, and assign virtual cards. Some users say they value the flexibility and ease of controlling spend by person or department, though a few mention wanting more notification options and simpler fund adjustments. Track the amount of money spent on a certain product or with a certain supplier Security protocol that ensures secure, encrypted communication over the internet, safeguarding sensitive data from unauthorized access Schedule shifts for staff/employees, track hours worked, and manage staff payroll Create, manage and track all task activities and progression Implementation of various strategies to manage tax obligations via planning and maintaining compliance Set up connections to third-party platforms to improve business processes Log and record hours worked and costs spent to assist in billing and invoicing Track time worked per client Track time worked per project Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Manage user accounts, profiles, roles, permissions, and other details across applications, devices or networks Ability to track and store all vendor-related information, such as contacts, services offered, terms, etc. Create, design and manage workflows for repetitive tasks Get Advice We can help you find the software with the features you need. Features 4.5 (432) 4.5 Based on 432 reviews ## Pricing Value for money 4.7 (387) Free Trial Free Version Spend & Expense $0.00 Value for money 4.7 (387) 4.7 Based on 387 reviews ## Integrations [ Slack](https://www.capterra.com/p/135003/Slack/)[ QuickBooks Enterprise](https://www.capterra.com/p/174984/QuickBooks-Enterprise/)[ Gmail](https://www.capterra.com/p/202338/Gmail/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Xero](https://www.capterra.com/p/120109/Xero/)[ NetSuite](https://www.capterra.com/p/135757/NetSuite/)[ QuickBooks Online Advanced](https://www.capterra.com/p/189398/QuickBooks-Online/)[ Sage Intacct](https://www.capterra.com/p/76/Intacct/) 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. ## Support, customer service and training options Customer Service 4.6 (390) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.6 (390) 4.6 Based on 390 reviews ## User reviews Overall rating 4.7 Based on 433 reviews Filter by rating 5(336) 4(75) 3(7) 2(6) 1(9) Mentioned topic Sorted by most recent AU Anonymous User Manager, Accounts Payable Individual & Family Services ### "Game Changer for Multi Card Users and management" 4.0 Overall Rating 4.0 4.0 Ease of Use 3.0 3.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 April 16, 2026 We started with 1 entity only when we have two that work together. As a result, our reconciling was a mess because all charges were being paid only by one entity. I feel our integration should have been better reviewed for and have had more foresight into the set up. Otherwise, I am quite happy. Pros Spend & Expense allows me to manage all credit cards for the entire agency from one portal. We consolidated from credit accounts with dozens of vendors. Making this change has made reconciling, making adjustments all if it much easier. Cons On occasion I find a feature that I need is not available. I also find it challenging at times to map and integrate custom fields or make changes to existing fields. Alternatives considered [Paymode](https://www.capterra.com/p/234113/Bottomline-Paymode-X/) Reasons for choosing BILL Spend & Expense S&E had a more "modern" feel and simpler start to finish task flow. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Ashley B. Owner Consumer Services ### "Great for budget management" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 2.0 2.0 Likelihood to Recommend 10/10 February 12, 2026 I had an overall experience with Bill. It helped me manage my budget for my small business and saved me lots of time. Pros What I like most about Bill is that it's easy to use and it's free, which is always a plus, especially for a small business. Cons There's really not much that I don't like about Bill. It's great for small businesses although customer support is slow to respond Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. AF Adashia F. Owner Health, Wellness and Fitness ### "Does the job & processes money in a timely matter" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 7, 2026 Pros LEARNING CURVE - little if you slow down and read EXPENSE MANAGEMENT PAYMENT PROCESSING - done in a timely matter USER ACCESS - user friendly, easy to get into Cons I have not used the platform long enough to have a long list of gripes. From what I have seen, it does the job. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CC Chris C. Manager, Business Development Sports ### "Best Expense App Out There" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 October 16, 2025 It has been great. I believe this is a significant upgrade from other expense apps that I have used in other roles. It is easy to see how much budget there is on your company card, and I really appreciate how quickly they populate. Pros I love how quickly expenses populate in the app/online. I have used other expense platforms that take several days to populate, which leads to missed expenses and reports. This software is quick and intuitive! Cons It would be very helpful if there were a favorites section for the type of expense that is incurred. It can be slightly annoying having to search each time for the new expense rather than from a list. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor October 22, 2025 Thank you, Chris, for your phenomenal review of BILL Spend & Expense! We are absolutely thrilled that you love the speed in which expenses load onto the app/website, and that our software has been quick and intuitive when using it. We appreciate your idea of having a favorites section for the type of expense that has occurred so that you don't have to waste time searching for a specific one. Going forward, if you have suggestions on how we can improve our software, you can also choose 'Leave Feedback' at the bottom of your BILL account page and there is an option to select 'An existing feature/function is missing' . Your comments will go directly to our team to look into. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software. LT Luka T. Payroll manager Accounting ### "Great tool" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 October 1, 2025 Using Bill Spend & Expense has been a game changer for our company. The platform is intuitive, helps us stay on top of real-time spending, and makes reporting effortless. Pros I’ve been using Bill Spend & Expense for managing company spending, and it has completely streamlined the way we handle expenses. Cons As a new user I need some time to get used to it also certain reports or approval workflows may feel less flexible Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor October 16, 2025 Luka, we want to express our gratitude for your amazing review of BILL Spend & Expense! We're so excited that our software has completely streamlined your organization's expense management, making it easy to manage your company's spending. We understand that a certain amount of time is needed to get used to the service, and that certain reports or approval workflows may feel less flexible. We appreciate that feedback and encourage you to share any other thoughts you may have, as we are always working hard to improve our software. AU Anonymous User accounting support Accounting ### "Divvy is great " 1.0 Overall Rating 1.0 1.0 Ease of Use 2.0 2.0 Features 5.0 5.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 September 16, 2025 BILL as a whole is hostile architecture as an accounting/business "solution." It's such a shame because Divvy is actually a great product! Pros BILL Spend & Expense, formerly Divvy, has a fantastic interface on both mobile and online app. If you have not had a receipt management/credit card management service for your team, this really DOES improve your life. The best part is that you can empower credit card users to handle their own receipts and transactions. Uploading and managing receipts is easy; issuing cards and creating "virtual cards" are all wonderful. This is my first spend management software experience, and whether Divvy is advanced or standard, it really has improved the workflow for expense and receipt management. Wahoo! Cons Oh boy. Stay away, stay far far away if you plan to use this with BILL's AR/AP side (Payables and Receivables). You will not have a dedicated account rep, which should be standard for corporate and industry clients. 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 restart your computer and clear your cache. This was the suggested solution for-- you will not believe this -- our account was set up incorrectly and we were paying double in subscription fees. 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 cannot see the BILL Payables & Receivables side. I'm so baffled that this has been our experience, and really caution anyone considering choosing BILL. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor September 29, 2025 Thank you for your glowing review of BILL Spend & Expense. We appreciate all your kind words. We want to apologize for the difficulty you had with the AP/AR side, including being double-billed and not getting the assistance you needed. If any help is still needed, please email us at feedback@hq.bill.com with your information, and someone from our team will contact you directly. HN Hallye N. Operations Manager Consumer Services ### "Excellent Budgeting and Spend Management" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 July 28, 2025 Bill has been great for management in our company with budgeting and tracking. We use it with QBO, DEXT and Divvy. Pros Bill is a secure website for me to keep track of all my spending and expenses by employees and other staff. This helps with budgeting Cons It has a learning curve but is not that hard to understand. I do not like that we cannot sync photos from Bill to QBO. Alternatives considered [ADP Workforce Now](https://www.capterra.com/p/155895/WorkforceNow/) Reasons for choosing BILL Spend & Expense Bill has better features and customer support Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Response from Vendor July 30, 2025 Hallye, thank you for your extraordinary review of BILL Spend & Expense! We're excited to learn that our website has provided you with a safe and effective way to monitor your employees' spending and expenses, as well as assist you with your budgeting needs. We appreciate your thoughts on being able to sync photos over to QBO and have passed that on to our product team. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions. CS Carmel S. Media Marketing and Advertising ### "Fraud - Bad Actor In The Accounting Space" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 July 5, 2025 They forced me into a subscription service that I did not want or need. I feel like they are a bad actor in a surprising way in this industry because they do not work with other accounting or bookeeping SaaS 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 0 value. They are charging me money for doing nothing other than holding my money hostage every month. Pros I was forced into purchasing a subscription because two of my clients use Bill for their payment methods. It's pretty malicious that I am essentially required to pay for this SaaS when I have my own expensing, spending, invoicing SaaS but because they are using this serving and it won't integrate with other SaaS I am essentially forced into it. They are guaranteed to get my subscription which means for every one user they capture, they spread like a virus. It's very malicious. Cons 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 with no added value. I was essentially forced into purchasing this subscription or I would not be able to get paid. This is fraud but I can't take them to court because it would cost too much money so I am hoping this review can help spread awareness about how they are maliciously defrauding people like me. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reasons for choosing BILL Spend & Expense My accountant set me up with this. If they worked together then none of this would be an issue. Payment services need to be able to communicate with each other on releasing funds so this is no longer an issue because there are so many payment processors this is super antiquated. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor July 7, 2025 Our apologies, Carmel, for the difficulty you have encountered with our service. We do see that your case has been elevated to our Leadership team, and someone will contact you directly regarding your concern. LT Leah T. Research associate Information Technology and Services ### "Use bill for your employees " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 3, 2025 Overall it is an easy and quick way for my company to send money to me to complete my work. I would recommend for other companies to use bill. Pros It was a quick and easy process to start up. My job can load money and I can use the card the same day. Cons I do not have anything bad or negative to say about the setup or use of the app and or card. Nothing I liked least. Switched from [DivvyHQ](https://www.capterra.com/p/140459/DivvyHQ/) It was My company, they decided to switch companies. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. MR Mark R. Private Security Security and Investigations ### "Hidden Traps and Zero Warning A Financial Disaster for Small Businesses" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 2.0 2.0 Likelihood to Recommend 0/10 May 16, 2025 My experience with BILL Spend & Expense was disastrous. I was approved for a $24,000 line of credit and drew $13,000 to cover payroll, only to have the entire amount yanked from my bank account within days without any clear billing schedule or warning. This left my account severely overdrawn and put my business at serious financial risk. Their lack of communication, transparency, and consideration for how small businesses operate is unacceptable. I would never recommend this platform to any business owner who values stability, trust, and responsible financial practices. Pros Honestly, very little. Initially, the idea of having a line of credit with built-in expense tracking seemed promising. But any potential benefits were completely overshadowed by poor communication, lack of transparency, and practices that put small businesses at serious financial risk. Cons Their billing cycle is confusing and poorly communicated. I borrowed $13,000 to cover payroll, and just days later, they pulled the entire amount back from my business account without warning, sending my balance deep into the negative. There was no notice, no option to schedule repayment, and no transparency. This kind of unpredictable behavior is dangerous for any small business relying on stable cash flow. It felt predatory and completely negligent. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor July 24, 2025 Mark, we sincerely apologize for the issues you encountered with your Spend & Expense account. Your satisfaction is our top priority, and we are committed to providing a smooth and reliable experience for all our customers. We’d like to address your concerns promptly. Please reach out to us at feedback@hq.bill.com with your details, and someone from our team will get in touch with you directly. Alternatively, you can call directly at 1(855)229-3111. 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