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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

    Zoho Books

    Score8.8 out of 10
    N/AZoho Books is an accounting solution that is designed to help small businesses manage their finances. This solution includes dashboards and a wide variety of reports. Business users can automate tasks and set up custom workflows. Zoho offers a 14 day free trial.

    $20

    per month

    Pricing
    BILL Spend & ExpenseZoho Books
    Editions & Modules
    No answers on this topic
    Free
    $0
    For businesses with turnover <50K USD per annum
    Standard
    $20
    per month per org
    Professional
    $50
    per month per org
    Premium
    $70
    per month per org
    Offerings
    Pricing Offerings
    BILL Spend & ExpenseZoho Books
    Free Trial
    YesYes
    Free/Freemium Version
    YesYes
    Premium Consulting/Integration Services
    YesNo
    Entry-level Setup FeeNo setup feeNo setup fee
    Additional DetailsBILL Spend & Expense is free for all usersZoho Books is available for both monthly and yearly plans. Users who sign up for the annual plan get a discount.
    More Pricing Information
    Community Pulse
    BILL Spend & ExpenseZoho Books
    Considered Both Products
    BILL
    No answer on this topic
    Zoho
    No answer on this topic
    Key User Insights
    Would buy again
    100%
    Would buy again
    11 Answers
    89%
    Would buy again
    8 Answers
    Delivers good value for the price
    100%
    Delivers good value for the price
    11 Answers
    89%
    Delivers good value for the price
    8 Answers
    Happy with the feature set
    100%
    Happy with the feature set
    11 Answers
    89%
    Happy with the feature set
    8 Answers
    Lived up to sales and marketing promises
    89%
    Lived up to sales and marketing promises
    8 Answers
    88%
    Lived up to sales and marketing promises
    7 Answers
    Implementation went as expected
    100%
    Implementation went as expected
    9 Answers
    89%
    Implementation went as expected
    8 Answers
    Features
    BILL Spend & ExpenseZoho Books
    Expense Management
    Comparison of Expense Management features of BILL Spend & Expense and Zoho Books
    Feature
    BILL Spend & Expense
    9.2
    8 Ratings
    10% above category average
    Zoho Books
    -
    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 Zoho Books
    Feature
    BILL Spend & Expense
    8.9
    7 Ratings
    11% above category average
    Zoho Books
    -
    Ratings
    Customizable Approval Policies9.37 Ratings00 Ratings
    Financial Document Management9.27 Ratings00 Ratings
    Payment Status Tracking8.94 Ratings00 Ratings
    Payment Audit Trail9.75 Ratings00 Ratings
    Duplicate Bill Detection7.43 Ratings00 Ratings
    Advanced OCR8.73 Ratings00 Ratings
    Electronic Funds Transfer9.25 Ratings00 Ratings
    Customization
    Comparison of Customization features of BILL Spend & Expense and Zoho Books
    Feature
    BILL Spend & Expense
    -
    Ratings
    Zoho Books
    8.2
    18 Ratings
    8% above category average
    API for custom integration00 Ratings8.218 Ratings
    Security
    Comparison of Security features of BILL Spend & Expense and Zoho Books
    Feature
    BILL Spend & Expense
    -
    Ratings
    Zoho Books
    8.6
    28 Ratings
    5% above category average
    Single sign-on capability00 Ratings8.622 Ratings
    Role-based user permissions00 Ratings8.626 Ratings
    Reporting & Analytics
    Comparison of Reporting & Analytics features of BILL Spend & Expense and Zoho Books
    Feature
    BILL Spend & Expense
    -
    Ratings
    Zoho Books
    9.0
    27 Ratings
    14% above category average
    Dashboards00 Ratings8.727 Ratings
    Standard reports00 Ratings9.225 Ratings
    Custom reports00 Ratings9.01 Ratings
    General Ledger and Configurable Accounting
    Comparison of General Ledger and Configurable Accounting features of BILL Spend & Expense and Zoho Books
    Feature
    BILL Spend & Expense
    -
    Ratings
    Zoho Books
    8.3
    28 Ratings
    8% above category average
    Accounts payable00 Ratings8.426 Ratings
    Accounts receivable00 Ratings9.227 Ratings
    Cash management00 Ratings7.925 Ratings
    Bank reconciliation00 Ratings7.825 Ratings
    Expense management00 Ratings8.126 Ratings
    Time tracking00 Ratings8.418 Ratings
    Multi-currency support00 Ratings8.117 Ratings
    Regulations compliance00 Ratings8.015 Ratings
    Self-service portal00 Ratings8.819 Ratings
    Inventory Management
    Comparison of Inventory Management features of BILL Spend & Expense and Zoho Books
    Feature
    BILL Spend & Expense
    -
    Ratings
    Zoho Books
    8.0
    16 Ratings
    9% above category average
    Inventory tracking00 Ratings8.216 Ratings
    Automatic reordering00 Ratings7.810 Ratings
    Order Management
    Comparison of Order Management features of BILL Spend & Expense and Zoho Books
    Feature
    BILL Spend & Expense
    -
    Ratings
    Zoho Books
    8.7
    25 Ratings
    16% above category average
    Pricing00 Ratings8.421 Ratings
    Order entry00 Ratings9.420 Ratings
    Credit card processing00 Ratings8.020 Ratings
    Cost of goods sold00 Ratings8.820 Ratings
    Best Alternatives
    BILL Spend & ExpenseZoho Books
    Small Businesses
    Brex
    Score9 out of 10
    QuickBooks Self-Employed (discontinued)
    Score4.2 out of 10
    Medium-sized Companies
    Expensify
    Score9 out of 10
    MYOB
    Score8.3 out of 10
    Enterprises
    Emburse Expense Enterprise (formerly Chrome River)
    Score8.3 out of 10
    Microsoft Dynamics GP
    Score5.4 out of 10
    All AlternativesView all alternativesView all alternatives
    User Ratings
    BILL Spend & ExpenseZoho Books
    Likelihood to Recommend
    8.8
    (18 ratings)
    8.9
    (29 ratings)
    Usability
    9.5
    (7 ratings)
    8.9
    (11 ratings)
    Support Rating
    8.6
    (2 ratings)
    5.3
    (5 ratings)
    User Testimonials
    BILL Spend & ExpenseZoho Books
    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
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    Zoho
    If using other cloud applications and you wish to create Zoho Books transactions via APIs, Zoho Books is great. The overall UI and flow of the application are great. If you need a detailed job cost accounting solution and robust reporting there is some room for improvement here.
    Incentivized
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    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
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    Zoho
    • Zoho Books invoicing and receipting features are second to none. We find it easy to quickly invoice clients and add items to their bills and also for our own receipting internally.
    • The accounting features are great for our accounting team to be able to see where we are financially and how the business is doing.
    • The ability to add contacts and run a mini CRM channel with clients within Zoho is invaluable. Since we use this in conjunction with our other CRM channels, it helps to have a centralized place to follow up and see through a sales funnel.
    • Zoho Books allows us to take payments from clients around the globe a feature we didn't have when we used another accounting system.
    • The pricing for Zoho Books is fairly reasonable for an SME organization which is a great for us as it pays itself back many times over every month.
    Incentivized
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    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
    Zoho
    • Zoho Books is only available in Texas and California. There is no integration allowed for paying employee expenses. The absolute worst aspect is the fact that if you make even the slightest error in data input there is no backing up. You cannot undo an error.
    • The system does not allow change once implemented, so you must get every one of your beginning balances perfect. The practice of Journal Entries is cumbersome. When reconciling, Zoho Books has adopted a number of required steps that significantly overcomplicate reconciliation using practices that are not consistent with general accounting principles in the US.
    • On the customer side, you must look in two places to see the beginning balance and the current receivables that might exist for current invoicing.
    • The way the system works, you must avoid having much trust with the balances depicted. So far, it appears that Zoho Books uses what we called in school "that new math."
    • It would be terrifying to rely on this bookkeeping system to support an IRS Audit. The system violates too many fundamental accounting principles.
    • The software is used by so few people that there is concern that we might never find a skilled bookkeeper.
    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
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    Zoho
    Customization is the biggest struggle for us and most of the time we need to involve a tech person. The chat support is a great feature and very helpful. It would be great to be able to customize and create invoices and correspondence (templates) such are reminders in multiple languages within one organization. The currency (USD) would be the same. We have clients in different countries that don't speak English but pay in USD.
    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
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    Zoho
    The support team feels very disjointed. We have filtered through a number of "lead" contacts and are frequently spammed by other Zoho members. Once getting an appropriate support contact on the phone - the team is very helpful, it just takes a lot of hoop jumping to get there. We actually unsubscribed from their support package as we were not getting the value we were looking for.
    Incentivized
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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!
    Incentivized
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    Zoho
    We had a lot of problems with Exact Online, support-wise and price-wise. So Zoho Books wins on every point there. While Exact offers way more options, it tends to be really slow... and complex. Again Zoho Books wins. If you want an easy-to-use tool and not pay a lot of money, or if you are a small administration office with a few clients, this tool will be perfect for you.
    Incentivized
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    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
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    Zoho
    • Integration: Zoho Books offers out of the box integrations to extend the functionality and connect with the applications you love like MailChimp, Microsoft Outlook, PandaDoc, and Quickbooks, etc.
    • Flexibility makes Zoho Books great!
    • Since I can use forecast reports, I can create customizable sales forecast data from the dashboard to accurately measure revenue forecasts and establish sales quotas.
    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 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.

    Zoho Books Screenshots

    Product screenshotProduct screenshotProduct screenshotProduct screenshotProduct screenshotProduct screenshot