Overview
BILL Spend & Expense is the card and expense module of BILL, the San Jose-based financial operations company best known for accounts payable automation. The product was formerly known as Divvy[5]. It combines company cards, expense tracking, spend controls and budgets, with physical or virtual cards issued to people, teams or projects and governed by limits and rules[5].
Receipts can be captured through the mobile app, integrations or by text message, and the system uses AI to code transactions and match receipts[5]. Approval workflows, budgets and audit trails are built in, as are rewards, travel management and business credit; multi-entity businesses can run several entities under one credit application, each with its own bank account and accounting sync[5]. Integrations cover QuickBooks, NetSuite, Sage Intacct, Microsoft Dynamics and Xero[5].
BILL’s pricing page lists Spend & Expense at US$0 per user per month, free of subscription and per-user software fees, while card and payment fees still apply[4]. Buyers who also want BILL’s accounts payable and receivable module pay separately for it: Essentials US$49, Team US$65 and Corporate US$89 per user per month[4]. The model suits companies that will use the BILL card as their main payment instrument; credit is subject to application[5].
BILL Divvy Card features
- Invoice capture, coding and approval routing
- Duplicate-invoice detection
- Two-way PO matching (Corporate)
- ACH, cheque, virtual card and international payments
- Two-way sync with accounting software
- Credit lines up to US$5 million
- Physical and virtual cards with per-budget limits
- Receipt capture by app, text or integration
BILL Divvy Card pricing
Essentials: US$49/user/month. Team: US$65/user/month. Corporate: US$89/user/month. Enterprise: quote.
Payment fees from a bank or BILL balance: ACH US$0.59; mailed cheque US$1.99; virtual card free; international FX wire or local transfer free (exchange rate applies); international USD wire US$19.99.
BILL Divvy Card strengths and limitations
Strengths
- Largest disclosed SMB AP network
- Public company with audited disclosures
- Free virtual-card payments
- Strong accountant-firm tooling
- No subscription or per-user fee
- Budgets and team cards are core to the design
Limitations
- Per-user pricing adds up
- Per-payment fees on ACH and cheques
- PO matching only on Corporate plan
- Full value depends on approved credit
- AP automation costs US$49+ per user extra
- US-centric product
Appears in
- Best Corporate Cards in 2026 #4
- Best Accounts Payable Software in 2026 #1
- Largest SaaS Companies (2026) #23
- Best Spend Management Software in 2026 #3
BILL Divvy Card alternatives and competitors
Alternatives to BILL Divvy Card: companies ranked in the same lists.
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