At a glance
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.
Best for
Companies that need the purchase evidence itemized and want to keep the card and banking relationships they already have.
Where it's stronger
Best for
Choose BILL Spend & Expense if you're happy to move card spend over in exchange for budget-first controls and no software fee.
Where it's stronger
Every comparison on this site names what the other product does better. If we couldn't think of anything, we didn't publish the page.
Side by side
These are structural differences, not plan checkboxes. Capabilities change, so check the vendor's own documentation before deciding on any single row.
Budget-first virtual cards
What the software costs
Works on the cards you already have
Receipts issued by the merchant
Line items without reading an image
Supplier bills and paying them
A credit line from the vendor
None of this needs a big-bang cutover. Most teams run both tools for one cycle and compare capture rates before switching anyone off.
The free software costs you a card program. Decide if that trade suits your banking before comparing anything else.
Smartbills reads your existing cards while the BILL program stays untouched. No commitment needed.
Both control spending well. What separates them is what each can tell you about a specific purchase.
You can reverse a card decision later. A receipt you never captured stays missing.
FAQ
What people ask us before they sign up.
Keep comparing
The products people evaluate alongside BILL Spend & Expense.
A corporate card program with spend management built around it. The comparison turns on what a card feed can and can't tell you.
Read the comparisonCards and business banking for US companies. This comparison is about the purchase document behind each card charge.
Read the comparisonWorth a look if your payables team loses more time finding and coding invoices than paying them, and card receipts sit in another tool.
Read the comparisonEach product works on its own, and when you run two, the same record carries from the receipt to the ledger entry.
Corporate cards with receipt capture, coming soon: the itemized receipt arrives with the card transaction, and each card's limit comes from your budget.
Capture receipts, categorize expenses and check policy compliance as expenses are submitted.
Digital receipt software that turns every sale at your POS into an itemized electronic receipt, hosted online and delivered by app, SMS, email or API.
Get started
Bring one month of your own receipts and card transactions, and we'll show you the capture rate on both sides instead of a slide deck.
