# 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. [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 432 user reviews Reviews sentiment Positive 95% Neutral 2% Negative 3% Pros & cons Intuitive and accessible platform Streamlined expense tracking tools Frequent 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 (432) VS. [4.3 (2,238)](https://www.capterra.com/p/380/Concur-Expense/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (431) Ease Of Use 4.1 (233) Value For Money 4.7 (386) Value For Money 4.1 (175) Customer Service 4.6 (389) Customer Service 4.1 (190) ## BILL Spend & Expense alternatives [4.3 (606)](https://www.capterra.com/p/76/Intacct/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [4.2 (1,991)](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 [4.4 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 88% of reviewers rated it above 4 stars Highest Rated [Moss](https://www.capterra.com/p/211744/getmoss/) [4.9 (233)](https://www.capterra.com/p/211744/getmoss/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 99% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/211744/getmoss/) [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 107 Most reviewers find ease of use crucial, highlighting simple navigation, quick setup, and user-friendly interfaces. Anner T CEO, 2 - 10 employees. "What I love most about this software it is accessible and mobile friendly along with features that can be used in your everyday business." Frequent software glitches 62% negative reviews out of 32 Most users report bugs and issues cause inconvenience, slowdowns, and occasional frustration during daily operations. Wayne S CFO, 51 - 200 employees. "This usually only requires a refresh of the browser, but can still be inconvenient." Streamlined expense tracking tools 89% positive reviews out of 89 Most reviewers indicate expense management enables real-time tracking, automated reporting, and simplified budgeting processes. Ronald P Owner, 2 - 10 employees. "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." Flexible virtual card management 90% positive reviews out of 31 Most reviewers describe virtual cards as essential for secure payments, vendor control, and fraud prevention. 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 This aspect helps you monitor spending in real time, categorize expenses, and set budgets. Reviewers appreciate its intuitive interface, timely reporting, and seamless syncing with QuickBooks, making expense management easier for teams and administrators. Receipt Management 4.8 (166) 66.27% of 166 reviewers that rated this feature as important or highly important It gives you organized digital storage and easy retrieval of receipts for audits and tax purposes. Some reviewers find it simple to require, upload, and categorize receipts, reducing lost documents and improving compliance for their organizations. Spend Control 4.7 (123) 57.72% of 123 reviewers that rated this feature as important or highly important You gain flexible tools to set budgets, control card limits, and manage departmental spending. Some users say they value real-time visibility, easy budget assignment, and the ability to restrict unauthorized purchases, though a few mention wanting more notification options. Accounting Integration 4.1 (90) 55.56% of 90 reviewers that rated this feature as important or highly important BILL Spend & Expense offers seamless integration with QuickBooks, Netsuite, and proprietary systems. Reviewers indicate it simplifies transaction imports, automates categorization, and saves time on reconciliation, though some wish for more software options and easier reimbursement handling. Mobile Receipt Upload 4.7 (86) 65.12% of 86 reviewers that rated this feature as important or highly important With this capability, you quickly capture and upload receipts using your phone or computer. Reviewers appreciate how convenient, fast, and reliable it is, noting it saves time, prevents lost receipts, and is easy for teams to use. 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. BILL Spend & Expense offers seamless integration with QuickBooks, Netsuite, and proprietary systems. Reviewers indicate it simplifies transaction imports, automates categorization, and saves time on reconciliation, though some wish for more software options and easier reimbursement handling. 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 This aspect helps you monitor spending in real time, categorize expenses, and set budgets. Reviewers appreciate its intuitive interface, timely reporting, and seamless syncing with QuickBooks, making expense management easier for teams and administrators. 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 quickly capture and upload receipts using your phone or computer. Reviewers appreciate how convenient, fast, and reliable it is, noting it saves time, prevents lost receipts, and is easy for teams to use. 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 organized digital storage and easy retrieval of receipts for audits and tax purposes. Some reviewers find it simple to require, upload, and categorize receipts, reducing lost documents and improving compliance for their organizations. 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 You gain flexible tools to set budgets, control card limits, and manage departmental spending. Some users say they value real-time visibility, easy budget assignment, and the ability to restrict unauthorized purchases, though a few mention wanting more notification options. 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 (431) 4.5 Based on 431 reviews ## Pricing Value for money 4.7 (386) Free Trial Free Version Spend & Expense $0.00 Value for money 4.7 (386) 4.7 Based on 386 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 (389) 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 (389) 4.6 Based on 389 reviews ## User reviews Overall rating 4.7 Based on 432 reviews Filter by rating 5(336) 4(74) 3(7) 2(6) 1(9) Mentioned topic Sorted by most recent 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. BM Bradyn M. CEO Information Technology and Services ### "AVOID LIKE THE PLAGUE - My business might die because of this" 1.0 Overall Rating 1.0 1.0 Ease of Use 2.0 2.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 April 10, 2025 Spend and Expense is an absolute nightmare. I wish I never touched it. Between its terrible functionality to suddenly send cards to vendors instead of ACH payments (even after selecting this) and the slow and unhelpful customer support - it is single handedly ruining my business. I injected cash into my business, and then was using Bill to pay myself back. I selected ACH transfer from my bank - for 2 very big transactions. 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 multiple days). Then my payment “comes in” as a credit card that I didn’t select both times! Oh, and my account was frozen because I didn’t know our first date to pay, and had a $38 balance. I paid that promptly and have been waiting for over a week and a half for it to be unfrozen. So I now have “prepaid” from my business account almost $20,000 toward cards I CAN’T EVEN USE. Meanwhile my bank account is out the money, and I personally am out $20,000. After multiple attempts to address it with Bill’s help center, which seems like they are talking to 10 different people - so communication is extremely slow…I have no resolution. They say they will “escalate it” or resolve it. I get an email saying they hope it’s been taken care of, but no solutions.

If my company goes under because my cash management solution is what blocked up all my cash, I am going to sue them. I cannot warn people enough to stay away from Spend and Expense. It is slow, clunky, bad customer service, unclear how things work before you sign up, and can ruin you. Pros It can allow you to have a "line of credit" for the month to ease cash management. Cons SO MANY THINGS. My company is in serious trouble because of how it defaults our payments. Here is a list of things: 1. You cannot cary a balance - which is not clear when signing up 2. Your payment date isn't clear when starting - which can freeze your account. 3. Once your account is frozen (ours was $38, because we didn't know 1 or 2) it takes FOREVER to unfreeze. I paid it I think the day after it was frozen. I reached out to customer service - it has still been a week and a half. 4. You can still (purposely or accidentally) make payments from it regardless if it's frozen or not. 5. Even though you select to pay people from your bank account (ACH) It will still send a credit card - which in most cases is not how people want to get paid. 6. If 5 happens to you (where you select to pay via ACH from your bank instead of a virtual card) your bank account will STILL pay for it like a prepayment to your LOC (stupid). 7. If your account is frozen - you can't even use those funds anyway. 8. If you reach out to customer support - you will chat with someone who is extremely unresponsive and feels like they are talking to 10 other people. They won't resolve your issue. They will end it saying they will follow up with an email. All my emails I have received (days later) were just asking if the problem magically cleared up and reassuring me they care about my problem. 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 that the vendor doesn't want and cannot use. For cash management, this seems like the fastest way to destroy your business. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reasons for choosing BILL Spend & Expense I was already in the Bill ecosystem, so we dediced to give it a try. 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 April 14, 2025 Thank you, Bradyn, for your feedback. We are glad to hear that you appreciate having a monthly line of credit. We apologize for the frustration you've experienced with our software's functionality, including your account being frozen despite paying your balance, and for the lack of assistance when you needed it. With BILL Spend & Expense, you can reach customer support directly at 1(855)229-3111 whenever you require help. Alternatively, you can reach us at feedback@hq.bill.com and we will have someone contact you directly. 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