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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

    Melio

    Score8.4 out of 10
    N/AMelio is a small business-oriented Accounts Payable tool, presented as a service that helps small businesses keep up with business. A B2B payments experience and payment workflow designed to be simple, and to enable businesses to pay domestic and international vendors, expedite payments, or pay by card.N/A
    Pricing
    BILL Spend & ExpenseMelio
    Editions & Modules
    No answers on this topic
    Card processing fee
    2.9%
    Offerings
    Pricing Offerings
    BILL Spend & ExpenseMelio
    Free Trial
    YesYes
    Free/Freemium Version
    YesNo
    Premium Consulting/Integration Services
    YesNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional DetailsBILL Spend & Expense is free for all users—
    More Pricing Information
    Community Pulse
    BILL Spend & ExpenseMelio
    Considered Both Products
    BILL
    No answer on this topic
    Melio
    Chose Melio
    Melio stacked up well against other solutions. The workflow and reporting were simple and the payment options were less expensive, without a monthly subscription. The ability to pay multiple invoicing in a few short clicks was appealing. The updated payment workflow was …
    Incentivized
    Key User Insights
    Would buy again
    100%
    Would buy again
    11 Answers
    71%
    Would buy again
    17 Answers
    Delivers good value for the price
    100%
    Delivers good value for the price
    11 Answers
    78%
    Delivers good value for the price
    18 Answers
    Happy with the feature set
    100%
    Happy with the feature set
    11 Answers
    75%
    Happy with the feature set
    18 Answers
    Lived up to sales and marketing promises
    89%
    Lived up to sales and marketing promises
    8 Answers
    77%
    Lived up to sales and marketing promises
    17 Answers
    Implementation went as expected
    100%
    Implementation went as expected
    9 Answers
    87%
    Implementation went as expected
    20 Answers
    Features
    BILL Spend & ExpenseMelio
    Expense Management
    Comparison of Expense Management features of BILL Spend & Expense and Melio
    Feature
    BILL Spend & Expense
    9.2
    8 Ratings
    10% above category average
    Melio
    -
    Ratings
    Employee Expense Reporting8.86 Ratings00 Ratings
    Corporate Card Reconciliation9.67 Ratings00 Ratings
    Payment Management
    Comparison of Payment Management features of BILL Spend & Expense and Melio
    Feature
    BILL Spend & Expense
    8.9
    7 Ratings
    11% above category average
    Melio
    9.4
    14 Ratings
    21% above category average
    Customizable Approval Policies9.37 Ratings7.911 Ratings
    Financial Document Management9.27 Ratings9.710 Ratings
    Payment Status Tracking8.94 Ratings9.914 Ratings
    Payment Audit Trail9.75 Ratings9.911 Ratings
    Duplicate Bill Detection7.43 Ratings9.810 Ratings
    Advanced OCR8.73 Ratings9.89 Ratings
    Electronic Funds Transfer9.25 Ratings8.912 Ratings
    Accounts Payable
    Comparison of Accounts Payable features of BILL Spend & Expense and Melio
    Feature
    BILL Spend & Expense
    -
    Ratings
    Melio
    9.4
    18 Ratings
    27% above category average
    Automated Accounts Payable Processes00 Ratings8.917 Ratings
    Vendor Management00 Ratings9.417 Ratings
    Tax Form Preparation00 Ratings9.811 Ratings
    Best Alternatives
    BILL Spend & ExpenseMelio
    Small Businesses
    Brex
    Score9 out of 10
    Tipalti
    Score7.7 out of 10
    Medium-sized Companies
    Expensify
    Score9 out of 10
    Stampli
    Score8.4 out of 10
    Enterprises
    Emburse Expense Enterprise (formerly Chrome River)
    Score8.3 out of 10
    Yooz
    Score8.8 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    BILL Spend & ExpenseMelio
    Likelihood to Recommend
    8.8
    (18 ratings)
    8.9
    (24 ratings)
    Likelihood to Renew
    -
    (0 ratings)
    9.7
    (2 ratings)
    Usability
    9.5
    (7 ratings)
    8.3
    (4 ratings)
    Availability
    -
    (0 ratings)
    9.0
    (1 ratings)
    Performance
    -
    (0 ratings)
    7.0
    (1 ratings)
    Support Rating
    8.6
    (2 ratings)
    8.0
    (1 ratings)
    In-Person Training
    -
    (0 ratings)
    9.0
    (1 ratings)
    Online Training
    -
    (0 ratings)
    8.0
    (1 ratings)
    Implementation Rating
    -
    (0 ratings)
    9.0
    (1 ratings)
    Configurability
    -
    (0 ratings)
    9.0
    (1 ratings)
    Contract Terms and Pricing Model
    -
    (0 ratings)
    7.0
    (1 ratings)
    Ease of integration
    -
    (0 ratings)
    10.0
    (1 ratings)
    Product Scalability
    -
    (0 ratings)
    8.0
    (1 ratings)
    Professional Services
    -
    (0 ratings)
    9.0
    (1 ratings)
    Vendor post-sale
    -
    (0 ratings)
    9.0
    (1 ratings)
    Vendor pre-sale
    -
    (0 ratings)
    9.0
    (1 ratings)
    User Testimonials
    BILL Spend & ExpenseMelio
    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
    Melio
    In my personal experiences, I would recommend Melio to a friend or colleague but would tell them the pros and the con. Melio has really made payments seem seamless and easy. The fact that one can plan his/her payment schedule in advance and at the same time track it, is a very big relief. In as much as Melio has a lot of good features but it still needs upgrade or update, like the notifications of failed payments and delays.
    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
    Melio
    • The simplicity it adds to business payments is a great deal. One feature we really value it the ability to pay vendors by check. Melio prints and mails checks for us which saves time and hassle.
    • Payment scheduling tool is another thing we enjoy. This tool lets us plan ahead and manage cash flow more effectively by setting payment dates in advance.
    • Another thing Melio does well is the tracking of payment.
    • There was a time a vendor claimed that they hadn't been paid, but with just a few clicks we could see the check has already been delivered.
    • This kind of transparency gives us confident and keep things professional.
    • The integration with other platform or accounts like QuickBooks is an experience I did love to keep.
    Incentivized
    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
    Melio
    • There should be an automatic link between vendors added with their Melio link and the same vendors that already exist in QuickBooks. As it is now, a new vendor is created when you do that and is not linked with the one that already is in QuickBooks.
    Incentivized
    Read full review
    Likelihood to Renew
    BILL
    No answers on this topic
    Melio
    I like the interface. I am familiar with functionality. Convenient to send ACH payments.
    Incentivized
    Read full review
    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
    Melio
    Melio has been a very important tool in the advancement of our business. With great features, it has made payments to vendors seamless and hassle free. In terms of vendor management, account/data tracking, and scheduling of payments in advance. This has formed the base that we are still with Melio till today.
    Incentivized
    Read full review
    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
    Melio
    They have great customer support system
    Incentivized
    Read full review
    In-Person Training
    BILL
    No answers on this topic
    Melio
    Very educative. It was well detailed, organized and knowledgeable.
    Incentivized
    Read full review
    Online Training
    BILL
    No answers on this topic
    Melio
    Very helpful and we learnt a handful
    Incentivized
    Read full review
    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
    Melio
    Melio is 100% free if you just use ACH, and that by itself would be reason enough for me to stick with the platform, it boats a ton of other useful features that add to the experience.
    Read full review
    Contract Terms and Pricing Model
    BILL
    No answers on this topic
    Melio
    The vendor is great
    Incentivized
    Read full review
    Professional Services
    BILL
    No answers on this topic
    Melio
    Very knowledgeable
    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
    Melio
    • I have been able to save hours every week now that I am only using Melio as my payment processor
    • I can easily add invoice details which I use to create in another platform and upload to Melio, this saves me time with projects I want to be quicker with
    • The ease of use for my clients is fantastic, and makes for a seamless workflow
    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.