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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    Deluxe Payment Exchange+

    Score8.1 out of 10
    Mid-Size Companies (51-1,000 employees)
    Deluxe Payment Exchange+ (DPX+) is an integrated payments solution for mid-size businesses that streamlines and automates AP disbursements. This disbursements platform is for companies that send over 250 monthly paper checks, excluding payroll, for recurring payments to suppliers and vendors.

    $2.49

    per payment

    BILL Spend & Expense

    Score8.9 out of 10
    N/ABILL Spend and Expense (formerly Divvy) is an all-in-one expense management solution that combines free software with corporate cards to provide you with real-time visibility and customizable control over your business finances.

    $0

    Pricing
    Deluxe Payment Exchange+BILL Spend & Expense
    Editions & Modules
    No answers on this topic
    No answers on this topic
    Offerings
    Pricing Offerings
    Deluxe Payment Exchange+BILL Spend & Expense
    Free Trial
    NoYes
    Free/Freemium Version
    NoYes
    Premium Consulting/Integration Services
    NoYes
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional DetailsPayment is based on the anticipated number of transactions each month. This includes the cost of sending the selected payment type (as well as postage for Print+Mail payments). There is no set-up fee, and a long-term contract is not required.BILL Spend & Expense is free for all users
    More Pricing Information
    Community Pulse
    Deluxe Payment Exchange+BILL Spend & Expense
    Considered Both Products
    Deluxe
    No answer on this topic
    BILL
    No answer on this topic
    Key User Insights
    Would buy again
    100%
    Would buy again
    7 Answers
    100%
    Would buy again
    11 Answers
    Delivers good value for the price
    100%
    Delivers good value for the price
    5 Answers
    100%
    Delivers good value for the price
    11 Answers
    Happy with the feature set
    100%
    Happy with the feature set
    7 Answers
    100%
    Happy with the feature set
    11 Answers
    Lived up to sales and marketing promises
    No answers on this topic
    89%
    Lived up to sales and marketing promises
    8 Answers
    Implementation went as expected
    100%
    Implementation went as expected
    6 Answers
    100%
    Implementation went as expected
    9 Answers
    Features
    Deluxe Payment Exchange+BILL Spend & Expense
    Payment Management
    Comparison of Payment Management features of Deluxe Payment Exchange+ and BILL Spend & Expense
    Feature
    Deluxe Payment Exchange+
    8.2
    7 Ratings
    7% above category average
    BILL Spend & Expense
    8.9
    7 Ratings
    11% above category average
    Customizable Approval Policies7.54 Ratings9.37 Ratings
    Payment Status Tracking8.25 Ratings8.94 Ratings
    Electronic Funds Transfer8.96 Ratings9.25 Ratings
    Financial Document Management00 Ratings9.27 Ratings
    Payment Audit Trail00 Ratings9.75 Ratings
    Duplicate Bill Detection00 Ratings7.43 Ratings
    Advanced OCR00 Ratings8.73 Ratings
    Expense Management
    Comparison of Expense Management features of Deluxe Payment Exchange+ and BILL Spend & Expense
    Feature
    Deluxe Payment Exchange+
    -
    Ratings
    BILL Spend & Expense
    9.2
    8 Ratings
    10% above category average
    Employee Expense Reporting00 Ratings8.86 Ratings
    Corporate Card Reconciliation00 Ratings9.67 Ratings
    Best Alternatives
    Deluxe Payment Exchange+BILL Spend & Expense
    Small Businesses
    Tipalti
    Score7.7 out of 10
    Brex
    Score9 out of 10
    Medium-sized Companies
    Stampli
    Score8.4 out of 10
    Expensify
    Score9 out of 10
    Enterprises
    Yooz
    Score8.8 out of 10
    Emburse Expense Enterprise (formerly Chrome River)
    Score8.3 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    Deluxe Payment Exchange+BILL Spend & Expense
    Likelihood to Recommend
    8.4
    (7 ratings)
    8.8
    (18 ratings)
    Usability
    8.3
    (7 ratings)
    9.5
    (7 ratings)
    Support Rating
    -
    (0 ratings)
    8.6
    (2 ratings)
    User Testimonials
    Deluxe Payment Exchange+BILL Spend & Expense
    Likelihood to Recommend
    Deluxe
    Deluxe works great for us as we have a decent number of payments that go through them. I believe it would not be efficient for a smaller company who did not receive a lot of checks or electronic payments. Our volume warrants outsourcing of payment processing as it saves us a lot of time in-house. I would weigh the costs of the service against the time and payroll it costs your company.
    Incentivized
    Read full review
    BILL
    There is a lot of functionality available for any company, and when you combine it with their A/P processing software, I'm sure the value of the software only increases. If you don't look back through your credit card receipts often, or don't have a lot of volume, the receipts not uploading into the accounting software isn't as much of an issue. For us, with roughly $200k of credit card spending each month, it became an issue. The rewards program was hard for us to take advantage of also, mostly because of our spending being spread across multiple companies. Even though we had everything set up together as one business, they still recognized each one as it's own, with it's own rewards requirements. I wouldn't deter anyone from going with Bill Spend & Expense, it's a solid program with a lot of capability, there are just a few small items that mattered to us more than the capabilities we take advantage of.
    Incentivized
    Read full review
    Pros
    Deluxe
    • allows check signors to sign checks when they are traveling
    • allows vendors to received payment same day
    • eliminates the need to mail payments via snail mail
    Incentivized
    Read full review
    BILL
    • Divvy does purchases very well. Getting money into the hands of those who need it, when they need it.
    • Budgeting is a breeze because card holders can only spend what is in their specific budget or on their card.
    • Customer support is usually pretty quick to respond
    Incentivized
    Read full review
    Cons
    Deluxe
    • the ability to set up multiple check signatures depending on who is signing the check
    • Deluxe Payment Exchange+ to sell check blanks that we could use if we want to have the check emailed back to the company and print out a paper check
    • More space on payee line
    Incentivized
    Read full review
    BILL
    • I wish there were more options in the BILL reimbursement platform - for example, the ability to do a report instead of submit a single expense.
    • We would love for reimbursements to feed into QuickBooks differently, but we understand that this is an early feature and hope it is further developed in the future.
    Read full review
    Usability
    Deluxe
    It is more useful for large companies who have to make payments on large scale. The reason for less rating is because it is not useful for business who have less volume as the Deluxe Payment Exchange+ software needs customized setup required which can be less flexible and costlier to smaller organizations. The software can be improved and available at less cost to businesses who have less transactions.
    Incentivized
    Read full review
    BILL
    The Divvy card provides convenience and flexibility for Finance to manage and monitor each user's transactions at any time. User can issue many virtual cards for different purposes. Transactions can be easily approved. Since we can monitor transaction closely, fraud can be prevented effectively. Mobile app is user friendly and safe.
    Incentivized
    Read full review
    Support Rating
    Deluxe
    No answers on this topic
    BILL
    We have enjoyed using Divvy and its functions. The Divvy team has been great, and their support team is outstanding. They have a chatbox on the platform, and they only seem to be someone on call. I have found its benefits to be outstanding, that I recommend it to my clients. I also feel that Divvy rolling out new features only makes it more compelling to stay on as a user.
    Incentivized
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    Alternatives Considered
    Deluxe
    It was used as an alternate app as it user friendly and has similar cost compared to Plooto. Also it offers most of the features that Plooto is offering. But Plooto is useful for small businesses which Deluxe Payment Exchange+ is missing the needs of organizations with less transactions.
    Incentivized
    Read full review
    BILL
    Nothing out there compares to the agility and ease of use of Divvy. Adoption by those most resistant to any expense reporting tool has always been the #1 painpoint to all other such software. Divvy takes the pain away even for creatives and salespeople!
    Incentivized
    Read full review
    Return on Investment
    Deluxe
    • It's allowed company growth with the need for extra accounts staff
    • Allowed for easier payment management on the go
    • Gone a good way to pay for itself on extra staff and resources not needed
    Incentivized
    Read full review
    BILL
    • Divvy is free, so it was tough for us to turn down. We decided to withhold our larger transactions from Divvy to receive those rewards directly.
    • Divvy has saved our Finance/Accounting team tons of time digging through expenses, reimbursements, invoices, etc.
    Incentivized
    Read full review
    ScreenShots

    Deluxe Payment Exchange+ Screenshots

    Screenshot of Payee choices in Deluxe Payment Exchange+

    BILL Spend & Expense Screenshots

    Screenshot of Company Dashboard - High level overview of a business's available credit and current spending.Screenshot of Mobile Wallet - Spend Smarterâ„¢ - To manage budgets and expenses on the goScreenshot of Budget Detail - For monitoring business budgetsScreenshot of Insights - Real-time visibilityScreenshot of Transactions - Displays a complete list of all transactions and their current status on a business's physical and virtual cards.