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Alternatives

BILL Spend & Expense alternatives

BILL Spend & Expense, formerly Divvy, gives companies a credit line and virtual cards assigned to budgets instead of people, and checks each purchase against its budget before it goes through. There's no subscription fee because interchange on the card program pays for the software, which makes the card and the software one decision.

Why people look

Why teams look for a BILL Spend & Expense alternative

The reasons that come up in evaluations. Whether they apply to you depends mostly on where your receipts come from.

Their controls only cover spending on their card, and not all of ours goes there.

Capture and policy run on the cards you already hold. You get coverage without consolidating your card program first.

Budgets stop us overspending, but they never tell us what the money actually bought.

Line items from the merchant show what each budget was spent on. A variance conversation starts from the purchase itself.

Receipt capture is still somebody photographing a slip inside an app.

Stores that use Smartbills issue the receipt at payment, and the itemized copy is attached before anyone opens the app.

The shortlist

6 alternatives to BILL Spend & Expense

The products teams shortlist against BILL Spend & Expense, each with what it's for. The order isn't a ranking, and the criteria are explained below.

  1. Ramp

    A corporate card program with spend management built around it. The comparison turns on what a card feed can and can't tell you.

    Best forChoose Ramp if you're consolidating US card spend onto one program and the rebate, the controls and the card itself are where you see the value.

    Compare it with Smartbills

  2. Brex

    Cards and business banking for US companies. This comparison is about the purchase document behind each card charge.

    Best forChoose Brex if you're a venture-backed or enterprise US company that wants cards, banking, treasury and spend controls from one vendor.

    Compare it with Smartbills

  3. BILL

    Worth a look if your payables team loses more time finding and coding invoices than paying them, and card receipts sit in another tool.

    Best forBusinesses paying supplier invoices at high volume, especially when most of their suppliers are already enrolled on the BILL network.

    Compare it with Smartbills

  4. Expensify

    The expense report app most finance teams already know, set against Smartbills on where each receipt comes from before anyone files it.

    Best forChoose Expensify if your team already runs on its expense reports and wants a familiar, well-supported report-and-approve workflow it won't have to relearn.

    Compare it with Smartbills

  5. SAP Concur

    The long-time enterprise T&E standard, set against Smartbills on setup time and on where the receipt comes from.

    Best forChoose SAP Concur if you run managed travel, have complex global policy across many entities, and have the internal resources to configure and maintain it.

    Compare it with Smartbills

  6. Navan

    Travel booking first, expenses second. This comparison is about the everyday spend that isn't a trip.

    Best forChoose Navan if your people travel constantly and you want booking, travel policy and expenses in a single flow for the traveller.

    Compare it with Smartbills

Disclosure

And Smartbills, which is ours

Slipping our own product into a roundup without saying so is exactly what makes these pages worthless, so to be clear, this one is ours.

Smartbills

Best for: Companies that need the purchase evidence itemized and want to keep the card and banking relationships they already have.

Smartbills vs BILL Spend & Expense

How this list was put together

These are the products that come up in the same evaluations as BILL Spend & Expense, drawn from what prospects actually shortlist against it and from the rest of its category. The order is editorial rather than a ranking, because we don't run benchmarks on products we don't operate, and a scored table written by a vendor about its competitors isn't evidence. Each entry links to a full comparison with claims specific enough to check.

FAQ

Frequently asked questions

What people ask us before they sign up.

No. BILL is the accounts payable product, and BILL Spend & Expense is the former Divvy card and budget product. We have a separate comparison for BILL itself.

Yes. Capture and policy work on your existing card program, and issuing Smartbills cards is optional. That's the main structural difference here.

Interchange on the card program pays for it. It's a legitimate model; it just means the card and the software are one decision instead of two.

Get started

Comparing BILL Spend & Expense with something else?

Bring one month of your own receipts and card transactions. The number that settles it is the share of transactions that ended up with an itemized document attached, and you can measure that in one cycle.

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