Bill.com vs Divvy
Detailed side-by-side comparison
Bill.com
From $45/moBill.com is a cloud-based accounts payable and receivable platform designed for small to mid-sized businesses. It automates bill payment, invoicing, and cash flow management while integrating with major accounting software to eliminate paper-based financial processes.
Visit Bill.comDivvy
FreeDivvy is an expense management and budgeting platform that combines corporate cards with real-time spend tracking and automated reporting. It gives finance teams immediate visibility into company spending while eliminating manual expense reports and reimbursements.
Visit DivvyFeature Comparison
| Feature | Bill.com | Divvy |
|---|---|---|
| Payment Processing | Processes vendor bill payments via ACH and international transfers with automated approval workflows | Issues virtual and physical corporate cards with customizable spending limits for real-time purchases |
| Expense Tracking | Tracks accounts payable and receivable with invoice capture and approval routing | Automatically tracks and categorizes expenses in real-time as card transactions occur with receipt capture |
| Budget Management | Focuses on cash flow management and payment scheduling rather than proactive budget controls | Provides automated budget allocation with spending limits that prevent budget overruns before they happen |
| Approval Workflows | Offers multi-level approval workflows for bill payments with robust financial controls and audit trails | Enables card-level spending controls and limits but has less complex multi-tier approval routing |
| Accounting Integration | Integrates deeply with QuickBooks, Xero, and NetSuite to sync bill payment and invoice data | Integrates with QuickBooks and NetSuite to automatically sync card transactions and expenses |
| Vendor/Employee Experience | Provides vendor portals for payment status tracking and customer portals for invoice management | Eliminates employee reimbursements by issuing corporate cards directly to team members |
Pricing Comparison
Bill.com starts at $45/month with additional transaction fees for certain payment types, making it more expensive for low-volume businesses. Divvy offers a free starting tier at $0/month, though it requires credit approval for card issuance, making it more accessible for budget-conscious companies.
Verdict
Choose Bill.com if...
Choose Bill.com if you need comprehensive accounts payable and receivable automation with robust multi-level approval workflows for bill payments and invoicing. It's ideal for businesses that process many vendor payments and need strong financial controls and compliance features.
Choose Divvy if...
Choose Divvy if you want to modernize employee spending with corporate cards and eliminate expense reimbursements while gaining real-time budget visibility. It's perfect for companies looking for proactive spend control and wanting to move away from manual expense reports at minimal cost.
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Pros & Cons
Bill.com
Pros
- + Significantly reduces manual data entry and paper-based processes
- + Strong integration with major accounting platforms
- + Robust approval workflows and financial controls for compliance
- + Time-saving automation for bill payments and invoicing
Cons
- - Can be expensive for very small businesses with low transaction volumes
- - Learning curve for teams transitioning from manual processes
- - Transaction fees apply for certain payment types
Divvy
Pros
- + Eliminates manual expense reports and reimbursements
- + Provides real-time visibility into company spending
- + Easy to set up and use with intuitive interface
- + Robust budget controls prevent overspending
Cons
- - Requires credit approval for card issuance
- - Limited customization options for enterprise workflows
- - Some users report occasional syncing issues with accounting integrations