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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 Invoice

    Score9.5 out of 10
    N/AZoho Invoice is a cloud-based invoicing solution designed to help small businesses with invoicing, tracking expenses, and accepting online payments. Key features include project billing, time tracking, reporting, customizable templates, and a client portaI. Teams using Zoho Invoice can track estimates, convert them to invoices, and send reminders to clients to complete their outstanding payments. Additionally, users can create tasks, collect advance payments for projects, and keep…

    $0

    Per Organisation, Per Month

    Pricing
    BILL Spend & ExpenseZoho Invoice
    Editions & Modules
    No answers on this topic
    Free
    $0
    Per Organisation, Per Month
    Offerings
    Pricing Offerings
    BILL Spend & ExpenseZoho Invoice
    Free Trial
    YesNo
    Free/Freemium Version
    YesYes
    Premium Consulting/Integration Services
    YesNo
    Entry-level Setup FeeNo setup feeRequired
    Additional DetailsBILL Spend & Expense is free for all usersZoho Invoice is a completely free product. It has no contracts, no ads, and no hidden fees
    More Pricing Information
    Community Pulse
    BILL Spend & ExpenseZoho Invoice
    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
    100%
    Would buy again
    5 Answers
    Delivers good value for the price
    100%
    Delivers good value for the price
    11 Answers
    100%
    Delivers good value for the price
    5 Answers
    Happy with the feature set
    100%
    Happy with the feature set
    11 Answers
    100%
    Happy with the feature set
    5 Answers
    Lived up to sales and marketing promises
    89%
    Lived up to sales and marketing promises
    8 Answers
    100%
    Lived up to sales and marketing promises
    5 Answers
    Implementation went as expected
    100%
    Implementation went as expected
    9 Answers
    100%
    Implementation went as expected
    5 Answers
    Features
    BILL Spend & ExpenseZoho Invoice
    Expense Management
    Comparison of Expense Management features of BILL Spend & Expense and Zoho Invoice
    Feature
    BILL Spend & Expense
    9.2
    8 Ratings
    10% above category average
    Zoho Invoice
    -
    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 Invoice
    Feature
    BILL Spend & Expense
    8.9
    7 Ratings
    11% above category average
    Zoho Invoice
    -
    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
    Best Alternatives
    BILL Spend & ExpenseZoho Invoice
    Small Businesses
    Brex
    Score9 out of 10
    Square Invoices
    Score9.2 out of 10
    Medium-sized Companies
    Expensify
    Score9 out of 10
    No answers on this topic
    Enterprises
    Emburse Expense Enterprise (formerly Chrome River)
    Score8.3 out of 10
    No answers on this topic
    All AlternativesView all alternativesView all alternatives
    User Ratings
    BILL Spend & ExpenseZoho Invoice
    Likelihood to Recommend
    8.8
    (18 ratings)
    9.7
    (13 ratings)
    Usability
    9.5
    (7 ratings)
    9.9
    (3 ratings)
    Support Rating
    8.6
    (2 ratings)
    -
    (0 ratings)
    User Testimonials
    BILL Spend & ExpenseZoho Invoice
    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
    Zoho Invoice streamlines invoicing, payments, and customer interactions, improving financial health and saving time, money, and energy. It ensures billing accuracy, reduces errors, and streamlines client billing by tracking goals and streamlining invoice generation. Zoho Invoice focuses on automation and invocation management to efficiently complete multiple tasks. Zoho Invoice has all the features needed for an invoicing system, but it could be better at integrating with other CRM platforms and simplifying taxation.
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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
    • Multiple payment platforms integrated for ease of client payment.
    • You can create different hourly rates for various tasks or individuals within an organization.
    • You can attach files to your invoices.
    • Clients get their very own log-in.
    • Ability to create credit notes.
    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.
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    Zoho
    • Time tracking, though easy enough, could be simplified. Having the ability to change default settings when entering time could save a few keystrokes.
    • The ability to automatically take unbilled hours and pull into a new invoice seems to be there, but it is a bit cumbersome. It also defaults to too much detail. Having the ability to customize would be great.
    • The ability to auto-BCC yourself on all invoices sent out would be a nice feature.
    Incentivized
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    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
    Zoho invoice has changed my expectations of what services like this can be. Providing something as simple as invoicing for small businesses who are struggling to find places to cut costs at such a reasonable rate is life-changing for some businesses. I know it was for mine. We saved so much that we did not have to cut in other areas. That has helped to keep us in business and grow it as well.
    Incentivized
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    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
    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
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    Zoho
    Google Drive stored my invoices in one accessible location but required more time and maintenance. I didn't want to invest the time into building out sheet functions to carry over figures across sheets, so I researched invoicing options. I am already a fan of Zoho services, so it was an easy decision to try out their Invoicing site. Same login, the same level of support, free trial. No risk! I was pleased to find the solution on my first try.
    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
    • Zoho Invoice has created a positive impact by allowing us to successfully organize and track online payments and invoices.
    • Zoho Invoice has saved us both time and money by making our invoicing business processes automatic and effortless.
    • Zoho Invoice has created a positive return on our investment many times over. It's increased business functions to help generate more profits in shorter periods of time.
    Incentivized
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    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.

    Zoho Invoice Screenshots

    Screenshot of 100% free invoicing software designed for small business owners & freelancers.Screenshot of Customize the look and feel of your invoices to provide a consistent and professional outlook.Screenshot of Add tasks, invite users, track the time worked for each project, and bill your clients just the way you want.Screenshot of Get real-time insights into sales, receivables, expenses, and projects with a host of built-in reports.Screenshot of Get a quick snapshot of your business health and know your monthly sales, current and overdue invoices, payments collected, your top expenses, and more.Screenshot of Create and share invoices, record payments, look up customers' details or past invoice history even if you're away from your desk.