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Bill.com (BILL) vs Divvy (BILL Spend and Expense): 2026 Comparison

Bill.com (BILL) Divvy (BILL Spend and Expense)
Overview A cloud-based financial operations platform automating accounts payable, accounts receivable, and spend management. A free expense management and corporate card platform now part of BILL with real-time budgeting and automated reporting.
Pricing Subscription ($45-$79/user/month) Free (Free (revenue from interchange))
Key Features
  • Accounts payable
  • Accounts receivable
  • Automated approvals
  • Payment processing
  • Document management
  • Audit trail
  • Accounting sync
  • International payments
  • Corporate cards
  • Real-time budgets
  • Expense management
  • Automated reporting
  • Receipt capture
  • Approval workflows
  • Virtual cards
  • Accounting sync
Pros
  • Good AP automation
  • Strong approval workflows
  • Accounting integrations
  • ACH and international payments
  • Completely free
  • Real-time budgeting
  • Good approval workflows
  • Virtual cards
Cons
  • Expensive
  • Complex for simple needs
  • Payment processing delays
  • Interface can be confusing
  • BILL acquisition changes
  • Limited card rewards
  • Requires credit approval
  • US only

Bill.com (BILL)

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Divvy (BILL Spend and Expense)

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