BILL Spend & Expense vs. QuickBooks Online

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
BILL Spend & Expense
Score 8.8 out of 10
N/A
BILL 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
QuickBooks Online
Score 8.1 out of 10
N/A
QuickBooks Online is a SaaS version of the QuickBooks product. It contains all of the features found in the local version. Higher-priced plans include greater automation, payment management, inventory and time tracking, and analytics features.
$38
per month
Pricing
BILL Spend & ExpenseQuickBooks Online
Editions & Modules
No answers on this topic
Simple Start
$38
per month
Essentials
$75
per month
Plus
$115
per month
Advanced
$275
per month
Offerings
Pricing Offerings
BILL Spend & ExpenseQuickBooks Online
Free Trial
YesYes
Free/Freemium Version
YesNo
Premium Consulting/Integration Services
YesYes
Entry-level Setup FeeNo setup feeNo setup fee
Additional DetailsBILL Spend & Expense is free for all users
More Pricing Information
Community Pulse
BILL Spend & ExpenseQuickBooks Online
Considered Both Products
BILL Spend & Expense
Chose BILL Spend & Expense
We also used other credit cards for employee to use, such as bank issued credit card or Capital One issued credit card, so far Divvy Card is the best one. Users have very positive using experience. Accounting is also happy with this card since it is easy to manage and control …
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.
Chose BILL Spend & Expense
Chase One Card Program

This program is like Divvy's program but it is not user-friendly and is not easy-to-use software. It is very easy to make mistakes and break the system. Divvy is a much more superior product, and I would highly recommend it to anyone especially to advise …
QuickBooks Online

No answer on this topic

Features
BILL Spend & ExpenseQuickBooks Online
Expense Management
Comparison of Expense Management features of Product A and Product B
BILL Spend & Expense
9.1
8 Ratings
10% above category average
QuickBooks Online
-
Ratings
Employee Expense Reporting8.66 Ratings00 Ratings
Corporate Card Reconciliation9.67 Ratings00 Ratings
Payment Management
Comparison of Payment Management features of Product A and Product B
BILL Spend & Expense
8.8
7 Ratings
10% above category average
QuickBooks Online
-
Ratings
Customizable Approval Policies9.17 Ratings00 Ratings
Financial Document Management9.07 Ratings00 Ratings
Payment Status Tracking9.04 Ratings00 Ratings
Payment Audit Trail9.65 Ratings00 Ratings
Duplicate Bill Detection7.33 Ratings00 Ratings
Advanced OCR8.73 Ratings00 Ratings
Electronic Funds Transfer9.05 Ratings00 Ratings
Payroll Management
Comparison of Payroll Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
QuickBooks Online
7.9
109 Ratings
4% above category average
Pay calculation00 Ratings8.399 Ratings
Benefit plan administration00 Ratings7.251 Ratings
Direct deposit files00 Ratings8.491 Ratings
Salary revision and increment management00 Ratings8.064 Ratings
Reimbursement management00 Ratings7.770 Ratings
Customization
Comparison of Customization features of Product A and Product B
BILL Spend & Expense
-
Ratings
QuickBooks Online
6.8
99 Ratings
13% below category average
API for custom integration00 Ratings6.781 Ratings
Plug-ins00 Ratings6.881 Ratings
Security
Comparison of Security features of Product A and Product B
BILL Spend & Expense
-
Ratings
QuickBooks Online
8.4
170 Ratings
2% above category average
Single sign-on capability00 Ratings8.5135 Ratings
Role-based user permissions00 Ratings8.3160 Ratings
Reporting & Analytics
Comparison of Reporting & Analytics features of Product A and Product B
BILL Spend & Expense
-
Ratings
QuickBooks Online
8.3
196 Ratings
6% above category average
Dashboards00 Ratings8.3183 Ratings
Standard reports00 Ratings8.6191 Ratings
Custom reports00 Ratings8.0174 Ratings
General Ledger and Configurable Accounting
Comparison of General Ledger and Configurable Accounting features of Product A and Product B
BILL Spend & Expense
-
Ratings
QuickBooks Online
7.8
213 Ratings
2% above category average
Accounts payable00 Ratings8.9179 Ratings
Accounts receivable00 Ratings8.8196 Ratings
Cash management00 Ratings8.2179 Ratings
Bank reconciliation00 Ratings9.0202 Ratings
Expense management00 Ratings8.4186 Ratings
Time tracking00 Ratings6.982 Ratings
Fixed asset management00 Ratings7.982 Ratings
Multi-currency support00 Ratings6.736 Ratings
Multi-division support00 Ratings7.464 Ratings
Regulations compliance00 Ratings7.765 Ratings
Electronic tax filing00 Ratings8.2100 Ratings
Self-service portal00 Ratings7.4110 Ratings
Global Financial Support00 Ratings6.528 Ratings
Primary and Secondary Ledgers00 Ratings7.957 Ratings
Intercompany Accounting00 Ratings8.057 Ratings
Localizations00 Ratings7.742 Ratings
Journals and Reconciliations00 Ratings8.4126 Ratings
Enterprise Accounting00 Ratings6.847 Ratings
Configurable Accounting00 Ratings7.771 Ratings
Centralized Rules Framework00 Ratings7.546 Ratings
Standardized Processes00 Ratings8.790 Ratings
Inventory Management
Comparison of Inventory Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
QuickBooks Online
6.6
75 Ratings
13% below category average
Inventory tracking00 Ratings6.470 Ratings
Automatic reordering00 Ratings7.037 Ratings
Location management00 Ratings7.041 Ratings
Manufacturing module00 Ratings6.127 Ratings
Order Management
Comparison of Order Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
QuickBooks Online
7.5
128 Ratings
1% below category average
Pricing00 Ratings7.878 Ratings
Order entry00 Ratings7.574 Ratings
Credit card processing00 Ratings8.296 Ratings
Cost of goods sold00 Ratings8.396 Ratings
Order Orchestration00 Ratings6.736 Ratings
End-to-end order visibility00 Ratings7.639 Ratings
Order exception Resolution00 Ratings6.732 Ratings
Best Alternatives
BILL Spend & ExpenseQuickBooks Online
Small Businesses
Dext
Dext
Score 9.6 out of 10
QuickBooks Self-Employed (discontinued)
QuickBooks Self-Employed (discontinued)
Score 7.3 out of 10
Medium-sized Companies
Precoro
Precoro
Score 9.3 out of 10
Zoho Books
Zoho Books
Score 9.1 out of 10
Enterprises
Emburse Chrome River
Emburse Chrome River
Score 8.0 out of 10
SAP S/4HANA Cloud
SAP S/4HANA Cloud
Score 8.5 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
BILL Spend & ExpenseQuickBooks Online
Likelihood to Recommend
8.8
(18 ratings)
8.3
(231 ratings)
Likelihood to Renew
-
(0 ratings)
9.1
(27 ratings)
Usability
9.4
(7 ratings)
8.4
(146 ratings)
Availability
-
(0 ratings)
8.8
(6 ratings)
Performance
-
(0 ratings)
1.0
(5 ratings)
Support Rating
8.6
(2 ratings)
9.2
(70 ratings)
Implementation Rating
-
(0 ratings)
9.5
(7 ratings)
Configurability
-
(0 ratings)
1.0
(2 ratings)
Contract Terms and Pricing Model
-
(0 ratings)
5.0
(1 ratings)
Ease of integration
-
(0 ratings)
1.3
(2 ratings)
Product Scalability
-
(0 ratings)
2.0
(3 ratings)
Professional Services
-
(0 ratings)
5.0
(1 ratings)
Vendor post-sale
-
(0 ratings)
4.9
(3 ratings)
Vendor pre-sale
-
(0 ratings)
4.9
(3 ratings)
User Testimonials
BILL Spend & ExpenseQuickBooks Online
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.
Read full review
Intuit
I appreciate the ability to auto-generate invoices for recurring transactions, which saves time, as well as the option to set up auto-generated transactions. The report option is super helpful when reviewing information, as you can click to view the details in the report without having to go back and forth.
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
Read full review
Intuit
  • Workflows for accounts payable invoice review are terrific.
  • Bill payment allows you to pay vendors online via ACH or check without having to write a physical check, which reduces admin time.
  • The cloud based login lends well to a remote or hybrid work environment for staff.
  • QuickBooks Online allows you to pre-configure vendors' general ledger expense accounts. This helps with general ledger coding accuracy and consistency.
  • QuickBooks Online integrates with Rippling HRIS, Coast, Capital One, JPMorgan Chase, etc., which lends well to an efficient month-end closing and reduced administrative time.
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
Intuit
  • The upsells have gotten worse over time and are on every screen in the most awkward positions. I don't need a constant reminder to upgrade, especially on a very old account that's paid thousands over the years.
  • The interface has never been especially intuitive, but I was an old Quicken user and it was somewhat familiar. Over time, it's gotten worse, and in the last 2 years, the program seems to move things more often than I would expect.
  • The software constantly adds features that I don't want and want to turn off, but the interface is so difficult to use that I find myself skipping it. Imagine seeing a message that the system recognized invoices that hadn't been paid so it prepared reminder notices for you that can be sent at the click of a button. Who thinks using canned reminders that you've never seen is a good thing?
  • A lot of functionality seems to derive from connecting your bank accounts to QBO. I don't want Intuit to have an always-on connection to any bank accounts, even checking.
Read full review
Likelihood to Renew
BILL
No answers on this topic
Intuit
It like the product 'right out of the box' and I trust Intuit will continually improve it over the years based on my experience with their desktop products. The large providers of Apps makes customizing the entire package relatively easy and seamless for a wide variety of business types.
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.
Read full review
Intuit
I had very little trouble setting up the program and migrating from our old accounting system. The daily usage is also very intuitive and easy. Anytime we run into minor trouble with the program, there are always tons of help available on YouTube, so we don't even look up the online manual anymore.
Read full review
Reliability and Availability
BILL
No answers on this topic
Intuit
We have rarely had outages in the last 10 years. I can only recall 2 times in the last 10 years where we were not able to access our client files.
Read full review
Performance
BILL
No answers on this topic
Intuit
Everything process has its bugs lately with the new interface. Nothing has worked smoothly since this all began last month.
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.
Read full review
Intuit
In my experience, most representatives keep me on the phone for hours, literally, for a single issue and then usually cannot resolve it satisfactorily. I have 10 open cases that need resolution and, in my experience, there has been NO follow-up communication on any of them.
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Implementation Rating
BILL
No answers on this topic
Intuit
The person in charge of QB needs to be very accurate with record keeping and is recommended to stay on top of tasks. The biggest issue we have is reconciliation, and those issues occur only when too much time has occurred between reconciliations
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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!
Read full review
Intuit
As a freelance bookkeeper, the Desktop version of QuickBooks Online doesn't allow for ease of access from any device. Having to be on a computer with the software downloaded creates additional work to gain access to all required filings etc. Also, I personally find the linking functionality on the Online version to be much more streamlined and user friendly.
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Scalability
BILL
No answers on this topic
Intuit
As we have grown along our professional path, we have also expanded our use of QB. The scalability is easy and features seem to be waiting for you until you need them. We have increased profits by over 10x from our first year in business to the current and have yet to find a reason to look elsewhere
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.
Read full review
Intuit
  • QuickBooks has given us a useful portal by which to get an overview of our financials.
  • QuickBooks has given us a relatively easy way to send out invoices quickly and efficiently.
  • Due to the customization limitations on QuickBooks, we've had to get creative in third-party implementations to better represent our brand and to track financials.
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.

QuickBooks Online Screenshots

Screenshot of the accounting and bank transactions interfaceScreenshot of an overview of the accounting inventoryScreenshot of book marksScreenshot of the business tax overviewScreenshot of the customer hubScreenshot of the dashboard