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BILL Financial Operations Platforms Suite Overview

What is BILL Financial Operations Platforms?

BILL is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers.

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BILL (previously Bill.com)

Description

BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.

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Recent BILL Financial Operations Platforms Reviews

Pamela M.
PM
Pamela M.Enterprise (> 1000 emp.)
5.0 out of 5
"Bill"
Its easy to upload receipts and keeps you updated on balances
Kishan M.
KM
Kishan M.Enterprise (> 1000 emp.)
4.5 out of 5
"My experience with Bill"
It is very easy to use, integrating financial tools and management of bills consolidated in one place.

BILL Financial Operations Platforms Media

BILL Financial Operations Platforms Demo - BILL AP/AR
Spend 50% less time on AP, automate invoicing, and get paid 2x faster.
BILL Financial Operations Platforms Demo - BILL Spend & Expense
Get access to credit lines from $1,000-$5M. Easily set budgets, request funds, and track spend using free software combined with corporate cards.

3,069 BILL Financial Operations Platforms Reviews

4.4 out of 5
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3,069 BILL Financial Operations Platforms Reviews
4.4 out of 5
3,069 BILL Financial Operations Platforms Reviews
4.4 out of 5

BILL Financial Operations Platforms Pros and Cons

How are these determined?Information
Pros and Cons are compiled from review feedback and grouped into themes to provide an easy-to-understand summary of user reviews.
Pros
Cons
G2 reviews are authentic and verified.
VC
Finance Manager
Small-Business(50 or fewer emp.)
Product Reviewed: BILL AP/AR
More Options
Validated Reviewer
Verified Current User
Review source: Organic
What do you like best about BILL AP/AR?

Unfortunately, our experience has been too frustrating to identify any features we would call a 'best' aspect at this time. Review collected by and hosted on G2.com.

What do you dislike about BILL AP/AR?

Our experience with Bill.com has been extremely disappointing. Their verification process is an absolute nightmare — we were asked to submit the same documents 4-5 times, and even after doing so, they continued to flag issues without providing any clear resolution.

What made this worse was the quality of their support. Every interaction with their support team felt like going in circles — no real ownership, no actionable guidance, just the same scripted responses that don’t actually address the problem. It's clear that their internal processes and customer support infrastructure are broken.

We chose Bill.com expecting it to simplify our AR workflows — instead, it created more headaches and delays. We’ve wasted far too much time on something that should be straightforward. I would strongly advise others to consider alternative solutions before committing to this platform. Review collected by and hosted on G2.com.

What problems is BILL AP/AR solving and how is that benefiting you?

- Review collected by and hosted on G2.com.

Response from Jenn J of BILL AP/AR

Our apologies for the frustration you have experienced with verifying your account and with our customer service. The identity verification process protects our customers from financial fraud and potential cyberattacks. We take your account security seriously, performing federally regulated due diligence to verify identities and authorize money movement in accounts. It's important for us to provide clear and helpful assistance, and we're disappointed to hear that your recent interaction didn't meet your expectations. We would like to look into your concern further. Please contact us at feedback@hq.bill.com with your information, and someone will reach out to you.

Sarah M.
SM
Executive Director
Mid-Market(51-1000 emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Organic Review from User Profile
What do you like best about BILL Spend & Expense (Formerly Divvy)?

The Bill has been a game-changer for our bookkeeping workload! It’s rare that a new app or technology actually delivers on its promises, but this system has exceeded our expectations. Our receipting process is smoother than ever—staff can snap an immediate picture of their receipt, eliminating the risk of losing it before turning it in to the office.

Beyond that, dispersing funds to employees has never been easier. This app has streamlined our financial process in ways we didn’t think possible. I can’t say enough good things about it—our team loves it, and I do too! Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

I absolutely love this app—so much so that finding any drawbacks is a challenge! If I had to point out one area for improvement, it would be the ease of use from the administrator’s perspective. While I’ve got the hang of navigating it now, the initial learning curve wasn’t entirely intuitive. That said, once you get familiar with the system, it’s smooth sailing! Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

This app has been a huge time-saver! Tasks that used to require endless calls—tracking down receipts, managing bookkeeping, distributing funds to staff, and handling requests—are now done in a fraction of the time. The streamlined process has made our financial management smoother and more efficient than ever! Review collected by and hosted on G2.com.

Response from Barb W of BILL Spend & Expense (Formerly Divvy)

Sarah, we appreciate the fantastic review of BILL Spend & Expense!! We are thrilled to hear that your experience has exceeded your expectations and that your receipt process is smoother than ever. Having the option to snap a picture of the receipt reduces your chance of loss, which is great for your business. We are also glad to hear that the ease of use is a game-changer for your organization. We appreciate your feedback about navigating from an Admin perspective, and that it can be cumbersome at first, but once you grasp it, it becomes smooth sailing. Please continue providing feedback, as we are always working hard to improve our software.

Aliz A.
AA
Senior Director of Procurement and Business Administration
Mid-Market(51-1000 emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Seller invite
Incentivized Review
What do you like best about BILL Spend & Expense (Formerly Divvy)?

I love how easy it is to reconcile and submit an expense for approval. No need for separate expense reports, everything is at your fingertips to upload and review transaction details. I use it on a daily basis to approve and reconcile transactions. Implementing the solution was super simple and quick. The customer service team is very helpful. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

Sync is a bit complicated to get the data as we need it to into our Sage Intacct environment. Comparing it to Concur it uses a different logic, which is a great thing, just something to get accustomed to. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

Bill Spend and Expense (Divvy) allows us to use a corporate card solution and expense solution without having to push transactions through a third party (and very costly) platform (such as Concur). It makes reconciliation much easier and straight forward. We are able to push more of our spend through credit cards that reduces our need for vendor setup and AP transactions. Review collected by and hosted on G2.com.

Response from Barb W of BILL Spend & Expense (Formerly Divvy)

Aliz, I would like to express my gratitude for your insightful review regarding BILL Spend & Expense. We are pleased to learn that your organization finds it straightforward to reconcile and submit expenses for approval, eliminating the need for separate reports and enabling easy access to upload and review transactions. We also acknowledge your feedback regarding the synchronization issues and the difficulties you encounter in transferring the required data to Sage. We understand that this remains an ongoing challenge for your organization. Customer feedback is invaluable to us, as it allows us to understand what aspects of our service are effective and which areas require improvement. Thank you for sharing your experiences with us.

Heather C.
HC
Corporate Office Manager
Mid-Market(51-1000 emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Seller invite
Incentivized Review
What do you like best about BILL Spend & Expense (Formerly Divvy)?

BILL Spend & Expense is incredibly easy to use, which made onboarding and setup a smooth process from the start. One of its standout features is the budget tracking—it works exceptionally well for managing spending across multiple team members, giving clear visibility and control. I also appreciate the excellent customer service; every interaction I’ve had has been responsive and helpful. Overall, it’s a reliable and user-friendly tool for managing business expenses. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

Honestly, I don’t have any complaints. The platform has been reliable, intuitive, and effective for our needs. It’s rare to find a tool that works this well right out of the box, but BILL Spend & Expense has really delivered. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

BILL Spend & Expense helps us efficiently manage budgets and spending across multiple managers in different states, which has greatly improved visibility and control over company expenses. It simplifies the process of tracking and enforcing budgets in real time. Additionally, the generous credit limit has been a huge help on several occasions when we’ve faced large or unexpected expenses—it’s provided flexibility and peace of mind when we’ve needed it most. Review collected by and hosted on G2.com.

Response from Barb W of BILL Spend & Expense (Formerly Divvy)

Thank you so much for the amazing review of BILL Spend & Expense! We’re absolutely delighted to hear that you and your team find the platform super easy to use and that it fits your daily needs perfectly. It’s fantastic to know that you love the budget tracking feature and that it helps you manage spending among team members more smoothly. We’re also thrilled to hear that you’ve had excellent experiences with our customer support! We truly appreciate your feedback, and we’re always here to listen to what works for you and how we can make your experience even better.

Marcus W.
MW
Controller
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Seller invite
Incentivized Review
What do you like best about BILL Spend & Expense (Formerly Divvy)?

With this, I am easily able to track employees spend, set specific budgets, and set up virtual cards so individual vendor payments don't go over budget. Tracking the status of charges, and supporting documentation is simple and the app works seamlessly. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

One issue I have is that there is not a direct connection to the accounting software I use. I am able to export transactions and upload to my accounting software, but a direct link would be better. I do use a specialty accounting software for nonprofits, but a connection would still be appreciated. I have also had staff say that they have run into PDFs that do not attach to the transactions in the portal, but I have not personally had this happen. I have seen receipts sent in by email not attach or find the correct transaction, but this happens rarely. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

This has helped with monitoring and controlling who can spend what on company credit cards. Setting budgets and being able to adjust those is very simple. Additionally, the export of transactions and loading of transactions into my accounting system has saved a significant amount of time. Review collected by and hosted on G2.com.

Response from Barb W of BILL Spend & Expense (Formerly Divvy)

Marcus, thank you for your fantastic review of BILL Spend & Expense. We are thrilled to hear that you can effectively track employee spending, set budgets, and create virtual cards to ensure that payments to individual vendors remain within budget. Additionally, tracking the status of charges and supporting documentation is straightforward, and the app operates seamlessly for your company. Regarding your accounting software and the lack of a direct connection, we understand that this is not ideal, but we are pleased to hear that uploading transactions is working for your organization's needs. Furthermore, concerning attaching documents to transactions, there are a few things to note, and I will be more than happy to provide the guides that should help. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions.

See how BILL Spend & Expense (Formerly Divvy) improved
DA
Business Administrator
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Seller invite
Incentivized Review
What do you like best about BILL Spend & Expense (Formerly Divvy)?

It pairs with QuickBooks which makes reconciling expenses fast and easy. It also gives our employees real time budget updates so they always know where they stand. Corrections are easy to work through. The ability to freeze a lost card or in the instance of fraud is a nice option. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

When using the app, the user can change the budget being used, sometimes without them knowing they did it. This will cause all future expenses to come out of the incorrect budget without their knowledge. Part of this is an employee issue, but it would be nice to be able to set a default budget for those in multiple budgets. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

We previously had multiple credit cards with multiple users. Our financial reports would run anywhere from 1-2 months late due to the time it would take to get the reports in, have employees complete their expense reports, have them returned to me and then I input the information into QB. This process has become real time and can be completed within a day after the end of the month. It also has given our department heads real time knowledge of expenses hitting their budgets. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

Thank you for your five-star review of BILL Spend & Expense, David! We love that our software has paired well with QuickBooks, allowing for fast and easy expense reconciliation. Your employees receive real-time budget updates, making corrections easy to handle. The ability to freeze a lost card or address instances of fraud has been a valuable option. We apologize for any frustration caused by users being able to adjust the budget when using the app, and appreciate the idea of being able to set a default budget for those with multiple budgets. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions.

Jennifer P.
JP
Controller
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Seller invite
Incentivized Review
What do you like best about BILL Spend & Expense (Formerly Divvy)?

I access the system daily and utilizing this system has cut down our expense processing time and made things much simpler. Having receipts uploaded has also made it so employees do not have to make a weekly trip to the office to drop reciepts off. It provides us with real time data which eliminates any delays. All information is transfered to our accounting system seamlessly and can be billed to customers quickly. Setup and integration was easy and support during the process was helpful. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

I wish there was a pay over time option for the card. Sometimes money flow can be slower and this option would be beneficial for small companies. It would also be beneficial to have a way to cusomize reminder messages or ask employees questions about charges directly from the charge itself. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

This system provides real time data which eleminates delays and allows us to bill customers immedately for material purchases. Employees do not have to make a weekly trip to the office to drop reciepts off. It also eliminates the chance of data entry errors in our accounting system. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

Thank you for your outstanding feedback on BILL Spend & Expense, Jennifer! We are so excited to hear that you access our system daily, which significantly reduces expense processing time and simplifies operations. Your employees can upload receipts, eliminating the need for weekly office trips. The system also provides real-time data, ensuring timely information transfer to the accounting system for quick customer billing. Setup and integration were straightforward for your team, and support was helpful throughout the process. We appreciate your ideas of a pay-over-time option for a card, which would help small companies manage their cash flow, and an option for customizable reminder messages or a way to ask employees questions about charges directly linked to those charges. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software.

AR
Founder, CEO
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Seller invite
Incentivized Review
What do you like best about BILL Spend & Expense (Formerly Divvy)?

What I love most is the full control it gives me over spending, without micromanaging every transaction. BILL allows us to issue virtual and physical cards, set budgets in real-time, and track expenses. It's like giving every team member freedom. It's a clean design, intuitive, and made for real businesses, even creative ones like ours, not just accountants. The automation of recurring expenses, reimbursement flows, and quick sync with accounting software saves hours each week. It's been easy use enough we haven't had to use too much customer support. It's easy to understand and implement into our processes. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

It’s not a dealbreaker, but the approval process for reimbursements can sometimes feel clunky, especially if multiple approvers are involved. We'd also love deeper integrations with some lesser-known financial tools and a bit more customization in reporting views. But overall, these are minor little tweaks in an otherwise top-tier platform. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

It’s helped eliminate the chaos of expense tracking, random card charges, and messy reimbursements. We’ve got full visibility across teams, instant budget controls, and the ability to issue employee cards with limits tied to actual roles—not guesswork. That level of control plus automation has cut down on fraud risk, messy reconciliation, and back-and-forth accounting drama. It’s streamlined, efficient, and scalable. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

Thank you for your phenomenal review of BILL Spend & Expense, Andre! We love that you enjoy the full control it gives you over spending, without the need for micromanagement, and that it features virtual and physical card issuance, real-time budget setting, and expense tracking. Also, the platform is designed for businesses, including creative ones, with a clean and intuitive interface that automates recurring expenses and reimbursement processes, seamlessly syncs with accounting software, and requires minimal customer support, making it easy to implement into existing workflows. We're sorry for any frustration caused by the approval process for reimbursements, which is clunky at times if more than one approver is involved. We have passed along your idea of some deeper integrations with some of the lesser-known financial tools to our team for perusal. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software.

Sam A.
SA
Volunteer church treasurer
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Seller invite
Incentivized Review
What do you like best about BILL Spend & Expense (Formerly Divvy)?

This is a great program to help manage different budgets for all the ministries at our church. Thins I love:

- That I can go in and edit budgets as needed.

- That the process is very simple to implement and for our cardholders to use.

- The website is pretty simple to navigate.

- That it has the option of adding a buffer for overspend. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

- The phone app is not as convenient to use as the website, especially for admins.

- I wish there were more options to set up your monthly statements. I know I can go to transactions and run filters or I can edit the Excel file, but it would be great to just get to customize your statement and save it in your settings.

- Our statement comes in on the 15th and payment is due 4 days later by the 19th. I'm a volunteer and usually only have the weekends to review church finances. I wish there was a full week available to pay your balance.

- I wish there was customer support on the weekends.

- That the budgets reset at the beginning of the month, but our credit resets at the middle of the month. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

Giving many volunteers access to their ministry budgets and being able to easily see who has spent how much and how much is left in each budget. Our leaders are easily able to access all this information. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

Sam, thank you for your valuable feedback on BILL Spend & Expense! We’re excited to hear that you appreciate the flexibility to adjust budgets as needed, that our software was easy to set up, and that your cardholders find it user-friendly. It’s great to know that our website is straightforward to navigate and that you can include a buffer for overspending. We apologize for any frustration you have experienced with our app, as well as your payment timing, and with budgets resetting at the beginning of each month, but credit resetting in the middle of the month. We appreciate your idea of being able to customize your monthly statement and will let our team know. Regarding the timing of your monthly statement in relation to the payment due date, statements are made available by the close of business on the first day of each month. You may view or download these statements directly from your account. Additionally, you have the option to modify your billing cycle to a weekly, semi-monthly, or monthly schedule, should this be more convenient. Our support services are available from Monday to Friday, 5:00 am to 6:00 pm PDT, and on Saturday and Sunday, from 6:00 am to 3:00 pm PDT. We value your feedback and are always striving to improve our service. Please don't hesitate to contact us if you have any further suggestions.

SC
Executive Paster
Small-Business(50 or fewer emp.)
More Options
Validated Reviewer
Verified Current User
Review source: Seller invite
Incentivized Review
What do you like best about BILL Spend & Expense (Formerly Divvy)?

Most helpful is the easy way employees can enter their own charged and reimbursements expenses into Bill Spend and Expense. I then only have to review one screen to see all their activity. Review collected by and hosted on G2.com.

What do you dislike about BILL Spend & Expense (Formerly Divvy)?

The smartphone app is a bit complicated or a bit non-intuitive. It is harder than it should be to tell what field you are in, what is required, and what is complete.

Also, when one enters all the required fields in and the transaction is complete, I would rather have a button to save or complete the transaction information than to have to use the back button. And if the app could indicate a transaction is complete with something other than a banner--like a change to the background or app frame, that would be very intuitive: red frame when not complete, green when complete, for instance. Review collected by and hosted on G2.com.

What problems is BILL Spend & Expense (Formerly Divvy) solving and how is that benefiting you?

Greatly reduced time I spend reimbursing employees for regular expenses, for mileage, and frees them up to pay for many things that are small but billed--web purchases from suppliers. We write fewer checks and spend much less time to complete transactions that employees initiate. Review collected by and hosted on G2.com.

Response from Jenn J of BILL Spend & Expense (Formerly Divvy)

Thank you for your beneficial feedback on BILL Spend & Expense, Scott! We are delighted that your employees can easily enter their own charges and reimbursement expenses, allowing you to review only one screen for all of their activity. We apologize for any frustration you have experienced with our app, specifically regarding its complexity and lack of intuitiveness. We appreciate your suggestions to add a save button after entering transaction information and to change the background or app frame to indicate when a task is completed. We have passed that on to our product team. Please continue to provide your feedback. We value our users' suggestions when planning the future of our software.