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BILL Spend & Expense vs. Expensify vs. Visa Spend Clarity

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    Overview
    ProductRatingMost Used ByProduct SummaryStarting Price

    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

    Expensify

    Score9 out of 10
    N/AExpensify automates the entire spend management process. Scan receipts, track mileage, submit and approve expenses, manage corporate cards, reimburse employees, pay bills, send invoices, and book travel. Built for individuals and companies of all sizes, anywhere in the world.

    $5

    per month per user

    Visa Spend Clarity

    Score5.1 out of 10
    N/AVisa Spend Clarity offers a suite of end-to-end spend management solutions to empower businesses of all sizes and levels of complexity to control spend, maximize visibility, and optimize cashflow. it is designed so that with it, financial institutions can deliver payment and spend management technology to help to increase card spend, improve customer retention, and differentiate their service.N/A
    Pricing
    BILL Spend & ExpenseExpensifyVisa Spend Clarity
    Editions & Modules
    No answers on this topic
    Collect
    $5
    per month per user
    Control
    $9
    per month per user
    No answers on this topic
    Offerings
    Pricing Offerings
    BILL Spend & ExpenseExpensifyVisa Spend Clarity
    Free Trial
    YesYesNo
    Free/Freemium Version
    YesNoNo
    Premium Consulting/Integration Services
    YesNoNo
    Entry-level Setup FeeNo setup feeNo setup feeNo setup fee
    Additional DetailsBILL Spend & Expense is free for all users——
    More Pricing Information
    Community Pulse
    BILL Spend & ExpenseExpensifyVisa Spend Clarity
    Considered Multiple Products
    BILL
    Chose BILL Spend & Expense
    We used Expensify previously and strongly prefer BILL. Expensify had no fraud protection, it was almost impossible to speak with a customer service rep, and the reconciliation process was tedious and clunky.
    Incentivized
    Chose BILL Spend & Expense
    Divvy is the provider of the credit cards. Expensify and Concur only connects your outside cards to their system.
    Incentivized
    Expensify
    Chose Expensify
    We used Expensify first mainly because these other solutions were either brand new or didn't exist at the time. We switched from Expensify to Divvy in late 2021, and could not be happier with them. I'd recommend all small business owners check them out if they need a corporate …
    Incentivized
    Visa
    Chose Visa Spend Clarity
    Visa Spend Clarity is the worst.
    Incentivized
    Key User Insights
    Would buy again
    100%
    Would buy again
    11 Answers
    98%
    Would buy again
    224 Answers
    No answers on this topic
    Delivers good value for the price
    100%
    Delivers good value for the price
    11 Answers
    98%
    Delivers good value for the price
    183 Answers
    No answers on this topic
    Happy with the feature set
    100%
    Happy with the feature set
    11 Answers
    97%
    Happy with the feature set
    222 Answers
    No answers on this topic
    Lived up to sales and marketing promises
    89%
    Lived up to sales and marketing promises
    8 Answers
    97%
    Lived up to sales and marketing promises
    121 Answers
    No answers on this topic
    Implementation went as expected
    100%
    Implementation went as expected
    9 Answers
    98%
    Implementation went as expected
    123 Answers
    No answers on this topic
    Features
    BILL Spend & ExpenseExpensifyVisa Spend Clarity
    Expense Management
    Comparison of Expense Management features of BILL Spend & Expense and Expensify and Visa Spend Clarity
    Feature
    BILL Spend & Expense
    9.2
    8 Ratings
    10% above category average
    Expensify
    9.6
    170 Ratings
    15% above category average
    Visa Spend Clarity
    -
    Ratings
    Employee Expense Reporting8.86 Ratings9.8170 Ratings00 Ratings
    Corporate Card Reconciliation9.67 Ratings9.474 Ratings00 Ratings
    Payment Management
    Comparison of Payment Management features of BILL Spend & Expense and Expensify and Visa Spend Clarity
    Feature
    BILL Spend & Expense
    8.9
    7 Ratings
    11% above category average
    Expensify
    9.4
    158 Ratings
    16% above category average
    Visa Spend Clarity
    -
    Ratings
    Customizable Approval Policies9.37 Ratings9.4109 Ratings00 Ratings
    Financial Document Management9.27 Ratings9.4114 Ratings00 Ratings
    Payment Status Tracking8.94 Ratings9.8130 Ratings00 Ratings
    Payment Audit Trail9.75 Ratings9.8101 Ratings00 Ratings
    Duplicate Bill Detection7.43 Ratings9.3130 Ratings00 Ratings
    Advanced OCR8.73 Ratings9.0108 Ratings00 Ratings
    Electronic Funds Transfer9.25 Ratings9.491 Ratings00 Ratings
    Best Alternatives
    BILL Spend & ExpenseExpensifyVisa Spend Clarity
    Small Businesses
    Brex
    Score9 out of 10
    Brex
    Score9 out of 10
    No answers on this topic
    Medium-sized Companies
    Expensify
    Score9 out of 10
    BILL Spend & Expense
    Score8.9 out of 10
    No answers on this topic
    Enterprises
    SAP Concur
    Score8.3 out of 10
    SAP Concur
    Score8.3 out of 10
    No answers on this topic
    All AlternativesView all alternativesView all alternativesView all alternatives
    User Ratings
    BILL Spend & ExpenseExpensifyVisa Spend Clarity
    Likelihood to Recommend
    8.9
    (18 ratings)
    9.6
    (264 ratings)
    1.0
    (4 ratings)
    Likelihood to Renew
    -
    (0 ratings)
    10.0
    (14 ratings)
    -
    (0 ratings)
    Usability
    9.5
    (7 ratings)
    9.6
    (165 ratings)
    1.0
    (1 ratings)
    Support Rating
    8.6
    (2 ratings)
    8.5
    (44 ratings)
    -
    (0 ratings)
    Implementation Rating
    -
    (0 ratings)
    9.5
    (2 ratings)
    -
    (0 ratings)
    User Testimonials
    BILL Spend & ExpenseExpensifyVisa Spend Clarity
    Likelihood to Recommend
    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
    Expensify
    I think it's really good for small businesses. At least in the way we use it. It's very good for keeping an eye on employee spending in nearly real time. I'm not sure how it works for larger companies when there is a larger number of people to keep track of.
    Incentivized
    Read full review
    Visa
    It is well suited and, I guess, is a primary role for remote or distributed teams - especially when you know a person not well to trust him in managing local costs was agreed to pay. If you work with contractors with irregular payments, it will suit you as well cause of immediate card transfer, but it may be limited by your local KYC policy. It is not typical to pay payroll costs with it because it is focused mostly on operations with virtual card balances, so it is less appropriate for it. So it works best for remote teams.
    Incentivized
    Read full review
    Pros
    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
    Expensify
    • Easy to access online portal whether using a mobile device or desktop app
    • Receipts can be uploaded in a breeze and automatically categorized
    • Expense Reports are submitted monthly on autopilot
    • Expenses for gas is calculated on the app by entering the starting/ending destinations.
    Incentivized
    Read full review
    Visa
    • Visa Spend Clarity provides clear and concise spending reports that make it easy to track and monitor spending.
    • The reports can be customized to show specific spending categories, merchant types, and time periods.
    • Visa Spend Clarity also offers a variety of tools and resources to help cardholders manage their spending and avoid overspending.
    • Helping users track their spending in real-time
    • Providing budgeting tools to help users stay on track
    Read full review
    Cons
    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
    Expensify
    • I wish that I could sync accounts on the back end kind of like with banking software, so that Expensify would automatically port over receipts for recurring expenses as soon as they're available
    • It would be nice to one-click submit an expense all the way through instead of having to attach it to a report
    • Wackier profile icons? :) Not a big deal. This software is pretty much amazing as it is now, and typically the urge to update and modify very good software leads to poor outcomes!
    Incentivized
    Read full review
    Visa
    • Horribly Dated Interface
    • Clunky operation
    • Requires 5 clicks where 1 should be sufficient
    • Slow
    • Worst program I have used in a decade.
    Read full review
    Likelihood to Renew
    BILL
    No answers on this topic
    Expensify
    We like using the tool and we receive positive feedback from employees and management who use the tool. It saves time and helps us concentrate on the value adding activities so we are very likely to keep using Expensify in the future
    Incentivized
    Read full review
    Visa
    No answers on this topic
    Usability
    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
    Expensify
    My rating of 8 out of 10 for Expensify's overall usability reflects its strong performance in empowering individual users and streamlining core expense processes, while acknowledging that there are specific areas, particularly on the administrative or enterprise side, where the user experience could be further refined. Exceptional End-User Experience (for basic tasks).Automation & Time-Saving Features.Clear Workflow for Approvers. Why it's not a perfect 10 (areas for improvement that dock points): Limited corporate bank to choose from, limited multi-currency to pay to ( for instance, as a foreign corporatio,n i cannot pay with my US account to Israeli employees, or pay to our UK employees)
    Read full review
    Visa
    No answers on this topic
    Support Rating
    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
    Read full review
    Expensify
    Our rep has been amazing. He has built custom reports for us that have been very time consuming and difficult. Our reps are also currently looking into new submission solutions for us that we are excited about. They came up with this and recommended it on their own without me complaining about an issue. They are about our success and are very excited about the product they offer.
    Incentivized
    Read full review
    Visa
    No answers on this topic
    Implementation Rating
    BILL
    No answers on this topic
    Expensify
    The implementation process went rather smoothly, linking it to the bank and cards was handled easily. without too many unnecessary steps. Getting the accounts setup did take some time, but that would be true with any organization. All in all things went smoothly and I was very pleased with the setup and implementation process
    Read full review
    Visa
    No answers on this topic
    Alternatives Considered
    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
    Expensify
    It is definitely 10 times better than using an Excel spreadsheet. We are talking a digitized with AI type capabilities to do the work for you. It’s honestly a lifesaver. This beats manual calculations and data entry any day. Scanning 100 receipts and saving them to pdf files not only takes space on your storage but it is an extra unnecessary step
    Incentivized
    Read full review
    Visa
    We found the results and returns with the Visa Spend Clarity were more positive than some other platforms. After researching competitors like, Data Card Wizard and Airwallex, we found the ease and comfort for our customers was more beneficial by using the Visa Spend Clarity application. The brand name helped ease the customer's concerns.
    Incentivized
    Read full review
    Return on Investment
    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
    Expensify
    • We went from paying credit card fees with no approval process to a no fees and complex approval processes.
    • I personally save time in not having to develop a spend report I just have my admin assistent fill in the details of the auto generated report and it is done. Went from an hour long process to 5- 10 minutes max to prepare a high quality audit ready report.
    Incentivized
    Read full review
    Visa
    • It is not feasible, but probably it takes 20% less time to start work with you contractor.
    • Once having integrations with Uber, Booking - probably discounts accumulated with funding accounts will influence the performance.
    Incentivized
    Read full review
    ScreenShots

    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 Smarter™ - 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.

    Expensify Screenshots

    Screenshot of the dashboard used to manage expenses, book travel, reimburse employees, and create expense reports.Screenshot of corporate cards. The Expensify Card offers cash back on every US purchase.