--- title: "BILL Spend & Expense Reviews 2026. Verified Reviews, Pros & Cons | Capterra" description: "Is BILL Spend & Expense the right Aviation Maintenance solution for you? Explore 440 verified user reviews from people in industries like yours to make a confident choice." source_url: "https://www.capterra.com/p/166905/Divvy/reviews/" page_type: "reviews" language: "en" publication_date: "2026-10-31" --- BILL Spend & Expense 4.7 (440) [View alternatives](https://www.capterra.com/p/166905/Divvy/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated October 31st, 2026 # Reviews of BILL Spend & Expense Ease of use 4.6 Customer Service 4.6 ## Pros and Cons in Reviews JR Jennifer R TeacherE-Learning, 501 - 1,000 employeesUsed the software for: 6-12 months. “What I like best about BILL Spend & Expense is that it gives real-time control, automation, and organization of spending, making expense tracking faster, easier, and more accurate.“ May 14, 2026 CS Carmel S MediaMarketing and Advertising, Self-employedUsed the software for: 6-12 months. “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.“ July 5, 2025 LA Luz A ControllerEvents Services, 11 - 50 employeesUsed the software for: Less than 6 months. “From an accounting perspective, it demonstrates strong performance in its ability to communicate and synchronize data with other systems.“ May 15, 2026 Abigail P Manager, Accounts PayableIndividual & Family Services, 201 - 500 employeesUsed the software for: More than 2 years. “I also find it challenging at times to map and integrate custom fields or make changes to existing fields.“ April 16, 2026 LA Luz A ControllerEvents Services, 11 - 50 employeesUsed the software for: Less than 6 months. “The platform is easy to implement and manage, and from a managerial perspective, it provides strong monitoring capabilities—making it an excellent program to use.“ May 15, 2026 Jaxton B Financial ControllerConstruction, 11 - 50 employeesUsed the software for: 1-2 years. “They are not innovative enough and fail to leverage AI to its full potential for automation.“ July 17, 2026 Steve L PresidentAccounting, 2 - 10 employeesUsed the software for: 1-2 years. “Easy to use with strong reporting features, making expense tracking and financial management efficient.“ May 28, 2026 BM Bradyn M CEOInformation Technology and Services, 11 - 50 employeesUsed the software for: Less than 6 months. “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.“ April 10, 2025 ## Showing most helpful reviews Showing 1-25 of 440 available reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use R Reviewer Operations management Used the software for: 1-3 years ### "Bill Spend & Expense for businesses of sizes " September 27, 2026 5.0 My overall experience is that Bill Spend & Expense is a must have tool for businesses. The ability to keep all experience records in one place coupled with the ability to create digital credit cards for one time or repeated expenses is much needed in today's business. Pros What i like most about Bill Spend & Expense is the ability to manage all business related expenses in one place. Cons Honestly i can't think anything that i like least about it because its a extremely helpful tool for small business. Review Source Jaxton B. Financial Controller Used the software for: 1-3 years ### "Secure and Accountant-Friendly, But Lacks Modern AI Innovation" July 19, 2026 3.0 A solid, secure tool for expense management, but it needs more modern AI features to truly shine over its competitors. Pros It is highly secure and exceptionally accountant-friendly, making daily tracking effective and visible. Cons They are not innovative enough and fail to leverage AI to its full potential for automation. Ramp does this better Review Source VR Verified Reviewer President Used the software for: 1-3 years ### "BILL Spend & Expense Review" June 2, 2026 5.0 Very good experience—I use it often, and it helps streamline workflows and saves me time. Easy to use Pros Easy to use with strong reporting features, making expense tracking and financial management efficient. Good value Cons Wish it offered a non-web-based version for offline use and greater flexibility with local access, slows down performance Review Source R Reviewer Controller Used the software for: Less than 1 year ### "Controller" May 20, 2026 5.0 The platform is user-friendly and integrates seamlessly with other software. From an accounting perspective, it demonstrates strong performance in its ability to communicate and synchronize data with other systems. Pros The overall process has been excellent. The platform is easy to implement and manage, and from a managerial perspective, it provides strong monitoring capabilities—making it an excellent program to use. Cons Enhanced guidance and orientation from the implementation support team would improve client engagement and help users feel more confident throughout the process. Review Source Jennifer R. Teacher Used the software for: Less than 1 year ### "Miles, Meals, & No Stress" May 15, 2026 5.0 As a teacher, I use BILL Spend & Expense to help manage and track expenses during state testing travel. It allows me to easily record things like mileage and meal costs while I’m on the go, without having to keep up with paper receipts or wait until the end of the trip. Everything is entered and organized in real time, which makes the reimbursement process much smoother and more accurate. Pros What I like best about BILL Spend & Expense is that it gives real-time control, automation, and organization of spending, making expense tracking faster, easier, and more accurate. Cons There isn’t anything I don’t like about BILL Spend & Expenses. I find it very beneficial and easy to use. Review Source R Reviewer Lead Teacher Used the software for: Less than 1 year ### "Bill Payments" May 13, 2026 5.0 Overall, I have had a good experience. I love the phone app and the ability to upload receipts and see when I get paid. Pros That I can upload and invoice and track if I get reimbursed for teaching expenses. I like that I can also do it from my phone or computer. Cons I don't like that I have to enter the tax for items. Would be nice if you could enter your city and state and it would automatically calculate sales tax on items. Review Source AM Angela M. COO Used the software for: Less than 1 year ### "What about bill ?" May 7, 2026 3.0 overall i was very disappointed in the fact that I lost more money than the program was worth. Ithen had to try and get some it back from my customer. Pros well at first it was easy to use . It did invoices, allowed us to get paid, but then it started charging for trans actions and we lost a lot of money on one large deal. Cons Contacting the customer service team was a pretty horrible experience no results. everything is out sourced which is even worse. Review Source Verified Reviewer Manager, Accounts Payable Used the software for: 3-5 years ### "Game Changer for Multi Card Users and management" April 20, 2026 4.0 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. Review Source R Reviewer Owner Used the software for: 1-3 years ### "Great for budget management" February 18, 2026 4.0 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 Adashia M. Owner Used the software for: Less than 1 year ### "Does the job & processes money in a timely matter" January 8, 2026 5.0 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 Maddie T. System Administrator Used the software for: 3-5 years ### "I appreciate how simple it is to keep track of invoices and receipts" May 11, 2022 4.0 Divvy is a unique tool that provides an all-in-one solution for your needs. In addition to issuing the card, they also handle all of the associated expenses. All of our expenses are now coded in Accounting so that our field workers can simply submit receipts and a business reason and move on. Pros Because it is so user-friendly, this program has completely changed the way we track our expenditures and enter our data. Because each employee may now input their receipts, it has saved our accounting department many hours of labor each month. Divvy is a fantastic service. It's simple to pick up. I was worried I'd be disoriented, but a quick scan of the area turns up everything I need. Cons ACH transactions are taking too long to process. We'd want to be able to send PayPal monies straight to Divvy for payments. It is not possible to map QBO tags for transactional line items at this time. Improvements are constantly needed, just as with any other piece of software. Divvy is always striving to improve the procedure. Review Source R Reviewer Research associate Used the software for: Less than 1 year ### "Use bill for your employees " November 28, 2025 5.0 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. Review Source VR Verified Reviewer accounting support Used the software for: Less than 1 year ### "Divvy is great " September 29, 2025 1.0 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 Krystal T. Software Solutions Assoc Used the software for: 1-3 years ### "BSE is up to great things!" November 28, 2023 4.0 I think BSE is a great efficiency tool. Coupled with it's low price of FREE-99, it offers great control over expenses in a real time capacity. Pros 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 QuickBooks. Cons The least robust features are reimbursements and account mappings. It is frustrating to take many steps to unmap and map custom fields. Make it in the same place at least. Review Source Kelsi N. Accounting Project Manager Used the software for: Less than 1 year ### "Divvy is the BEST" March 1, 2022 5.0 Amazing. I truly enjoyed working with our Implementation Manager and felt like they worked with us as a partner, not a client. They were willing to work with us on all of our many asks. Pros Divvy is a very innovative product that allows for you to have an all in one product. They not only issue the card, but they provide the expense management. With their help, we have been able to bring all expense coding inside Accounting to allow for our teammates in the field to just submit a receipt and a business purpose and move on. Cons The reimbursement and reporting side could use some work. Divvy does not charge for reimbursements and does not make money for that part of the product, so I understand that it is not their priority, however to make a better product they would puts some resources there. Review Source R Reviewer CTO Used the software for: 3-5 years ### "Terrible protection, abysmal service, avoid at all costs. " December 18, 2024 1.0 Our overall experience with Bill was defined by one event which was handled so poorly and illegally that we feel like every potential customer should know. An employee’s locked car was broken into, and their credit cards were stolen. 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 ever being frozen. It was not until we called Bill that they even had any idea there was suspicious activity on the account despite the thief making repeat purchases at the apple store, expensive clothing stores, etc. that our company has zero history making purchases at. When the fraud claim was filed it was erroneously noted that the stolen card was still in the possession of the employee. While we attempted to correct this, Bill rejected the fraud claim and refused to appeal their decision. After months and months of talking with what must be everybody at the entire company, it is clear Bill has no intention of standing by their fraud policy and is looking for any trivial clerical error to reject the claim. Meanwhile, the employee’s tiny credit union, that apparently has a much better fraud protection algorithm than a $10B tech startup, refunded them the $1000 thirty minutes after they called to tell him he had suspicious activity on his account. This experience has been extremely damaging to our small business, but it would cost of more than the value of the loss to bring a lawsuit. Please avoid Bill as a service. Pros Bill's software is fine. It can be confusing when switching between all the sites, but overall it does what you would expect. One exception: their fraud protection algorithm is worse than your average credit union’s. So you should only use Bill if you are sure you will never lose a credit card, never have one stolen, or never use your cards. ;) Cons Bill's customer service is simply an abomination. They are impossible to contact, rude when you finally do, and literally illegal when they act. On top of this, the software is just not actually that great. We often hit hiccups with budgets not refilling, cards not working, frozen cards that cannot be unfrozen, and so on and so on. Their fraud protection is also abysmal. Your cards will basically never be shut off even if they are maxed out on repeat purchases at the apple store. Whereas any other card service would put a hold on the card and reach out to you for verification, Bill just lets it ride. Given that a typical company might have many cards in many places at once, this is particularly problematic. Overall, please avoid their services. Review Source Verified Reviewer Financial Analyst Used the software for: Less than 1 year ### "We love Divvy!" December 20, 2022 5.0 Divvy has been great and everyone we have come in contact with has been very helpful. I have even been able to text the guy who helped us set everything up with any questions that have come up. Customer service has been excellent! Pros I love how seamlessly it syncs with QB online. Every employee loves the app, also! Cons There have been issues with employees receiving the verification emails due to the email our company uses, but we have worked out the kinks. Review Source Brett W. Director of Finance Used the software for: Less than 1 year ### "Great Company Spend & Budgeting Tool" October 25, 2019 5.0 We wanted a solution for our different departments to have control over their spend while making sure we still had firm controls and oversight in place. Divvy met all those requirements for free. Pros Divvy has a great budgeting tool that allows you to easily segment departments so that they are in control of their own spend. Their app is easy to use to keep track of reciepts and ensure your team is in compliance. Best of all everything is free. Cons Getting set up and a credit line is a bit cumbersome as I have seen other companies have a much easier onboarding and offer higher levels of credit. Review Source Mark R. Private Security Used the software for: Less than 1 year ### "Hidden Traps and Zero Warning A Financial Disaster for Small Businesses" July 24, 2025 1.0 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 Luka T. Payroll manager Used the software for: Less than 1 year ### "Great tool" October 16, 2025 5.0 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 AG Ann G. Sr. Accountant Used the software for: 3-5 years ### "Great spend platform for small to medium size businesses " February 27, 2025 5.0 Pros BILL spend & expense provides real time tracking and automates expense management for employees. It seamlessly integrates with ERPS like Netsuite. Cons BILL spend and expense has limited international currency support and credit card limits. Review Source EB Emma B. Accounting Used the software for: Less than 1 year ### "A Game Changer for Us!" September 13, 2023 5.0 With BIll spend and expense, it makes it very easy for us to keep track of employee expenses but everything about the platform is all amazing. We have cards for everyone but also virtual card feature is great. To be able to upload the receipt from the app and to also approve/disapprove charges is great. We are truly grateful. Pros The thing we loved the most is how easy and amazing the platform in general is. We also absolutely love the mobile receipt feature. We hated keeping track of receipts. Cons Honestly, nothing at this moment. We really love the product. Review Source R Reviewer COO Used the software for: 3-5 years ### "Divvy changed the way we do business!" September 18, 2022 4.0 Pros Divvy gave us the ability to allow employees to pay for expenses with company funds as opposed to having to use their own funds and wait to be reimbursed. Divvy gives us the ability to manage requests "on the go". Divvy integrates with Quickbooks which is super helpful. Divvy rewards program fits our organization much better than previous rewards programs. It allows for multiple options and depending on what we have going on at the time, we utilize the various options given. Sometimes we take a statement credit, other times we use it for unexpected travel and yet sometimes, we find it most advantageous to receive a check that we can use for things like purchasing equipment that is needed we didn't budget for in a particular fiscal year. Cons It still has some quirks that need worked out. From what we understand, it is a fairly new software. When syncing with Quickbooks, it doesn't always seem to work correctly. We have had instances where receipts disappeared that were uploaded to the mobile app. It isn't quite as intuitive as other software in our opinion. The user interface could be improved. When you go back in to update a transaction after it has been synced, you have to remember to resync it. The problem with this is that there is nothing that prompts you to do so. Overall though, we would still recommend this software. Review Source VR Verified Reviewer Assistant Controller Used the software for: 1-3 years ### "Divvy makes everyone's job easier" February 28, 2022 5.0 Divvy has been an enormous improvement to my company by putting purchasing into the hands of the end user, with adequate accounting & budget control. Our users now do not have to use their own money for business expenses and get reimbursed if they have a divvy card, and the accounting department has to do less purchasing/ordering for programs now that they can do it themselves. We are loving the constant updates that make the system more robust and flexible. The customer service is amazing, I always get timely and friendly help, and every feature of the system is well documented/explained so it is easy to understand. Pros Ease of use, customer service, customizability, constant improvements to the system and its capabilities Cons Slow loading of transaction data on the website, could use more robust pre-approval process including more than one approver of an expense before a funds transfer, & our physical card orders get lost/never delivered about 50% of the time Review Source R Reviewer Owner Used the software for: Less than 1 year ### "Should still be in Beta - has a long ways to go..." January 23, 2020 2.0 I have always been a pretty early adopter for new platforms and I have to say, DivvyPay should still be in Beta Mode. Divvy - you could be great. Really really great. But you have a long ways to go. I’m rooting for you, but looking for other options in the meantime. Stop spending advertising dollars and fix your issues. Pros \- The virtual cards are BRILLIANT (1 of only 2 reasons I stay) - The ease of classifications of transactions and how customizable they are, this a great thing for my accounting team! (2 of only 2 reasons I stay) - The cards look nice - Their customer service is responsive (They will not call you unless you are a new customer trying to get an account so do know that. There is no phone support after being a customer.) Cons \- The app is getting better, but still has very very limited features. - The bill pay feature; run as fast as you can from this. I have a vendor that still has not been paid and I approved and funded the transaction over a month ago. Divvy has made this a manual process and they actually call ever vendor you add into the platform. They can’t call me for support - but sure will call my vendors. Every vendor I have tried this with has complained about how rude the people are who call and the turn around time is horrific. Stop calling my vendors - learn to do this via email or text like every other institute. - Changing of banks - don’t do it. I am 5 days into this process with this very small task and it is still not complete. Again all manual. You call and request them to change your bank, they email you a form to fill out. Then you wait until they decide to email you a sign now document to fill out. Then you wait again. I have no idea what I am waiting for at this point. No follow up and nothing proactive unless you complain. Archaic. I have switched over every other service in a few clicks of a button - why can’t you all figure it out? - Rewards - forget them. You can’t use them until you have been with the platform for a year. (No one tells you this when you sign up) and their prices are always more expensive then a simple google search. Plus they charge you a service fee every time you use the points on travel. 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