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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

    Visa Spend Clarity

    Score8.5 out of 10
    N/AVisa Spend Clarity offers a suite of end-to-end spend management solutions to empower businesses of all sizes and levels of complexity to control spend, maximize visibility, and optimize cashflow. it is designed so that with it, financial institutions can deliver payment and spend management technology to help to increase card spend, improve customer retention, and differentiate their service.N/A
    Pricing
    BILL Spend & ExpenseVisa Spend Clarity
    Editions & Modules
    No answers on this topic
    No answers on this topic
    Offerings
    Pricing Offerings
    BILL Spend & ExpenseVisa Spend Clarity
    Free Trial
    YesNo
    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 & ExpenseVisa Spend Clarity
    Considered Both Products
    BILL
    No answer on this topic
    Visa
    No answer on this topic
    Key User Insights
    Would buy again
    100%
    Would buy again
    9 Answers
    No answers on this topic
    Delivers good value for the price
    100%
    Delivers good value for the price
    9 Answers
    No answers on this topic
    Happy with the feature set
    100%
    Happy with the feature set
    9 Answers
    No answers on this topic
    Lived up to sales and marketing promises
    88%
    Lived up to sales and marketing promises
    7 Answers
    No answers on this topic
    Implementation went as expected
    100%
    Implementation went as expected
    7 Answers
    No answers on this topic
    Features
    BILL Spend & ExpenseVisa Spend Clarity
    Expense Management
    Comparison of Expense Management features of BILL Spend & Expense and Visa Spend Clarity
    Feature
    BILL Spend & Expense
    9.2
    6 Ratings
    7% above category average
    Visa Spend Clarity
    -
    Ratings
    Employee Expense Reporting8.75 Ratings00 Ratings
    Corporate Card Reconciliation9.85 Ratings00 Ratings
    Payment Management
    Comparison of Payment Management features of BILL Spend & Expense and Visa Spend Clarity
    Feature
    BILL Spend & Expense
    8.7
    6 Ratings
    6% above category average
    Visa Spend Clarity
    -
    Ratings
    Customizable Approval Policies8.96 Ratings00 Ratings
    Financial Document Management8.86 Ratings00 Ratings
    Payment Status Tracking8.94 Ratings00 Ratings
    Payment Audit Trail9.54 Ratings00 Ratings
    Duplicate Bill Detection7.43 Ratings00 Ratings
    Advanced OCR8.73 Ratings00 Ratings
    Electronic Funds Transfer8.74 Ratings00 Ratings
    Best Alternatives
    BILL Spend & ExpenseVisa Spend Clarity
    Small Businesses
    Dext
    Score9.8 out of 10
    No answers on this topic
    Medium-sized Companies
    Expensify
    Score7.6 out of 10
    No answers on this topic
    Enterprises
    Emburse Chrome River
    Score9.1 out of 10
    No answers on this topic
    All AlternativesView all alternativesView all alternatives
    User Ratings
    BILL Spend & ExpenseVisa Spend Clarity
    Likelihood to Recommend
    8.8
    (16 ratings)
    8.7
    (3 ratings)
    Usability
    9.4
    (5 ratings)
    -
    (0 ratings)
    Support Rating
    8.6
    (2 ratings)
    -
    (0 ratings)
    User Testimonials
    BILL Spend & ExpenseVisa Spend Clarity
    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
    Visa
    It is well suited and, I guess, is a primary role for remote or distributed teams - especially when you know a person not well to trust him in managing local costs was agreed to pay. If you work with contractors with irregular payments, it will suit you as well cause of immediate card transfer, but it may be limited by your local KYC policy. It is not typical to pay payroll costs with it because it is focused mostly on operations with virtual card balances, so it is less appropriate for it. So it works best for remote teams.
    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
    Read full review
    Visa
    • Visa Spend Clarity provides clear and concise spending reports that make it easy to track and monitor spending.
    • The reports can be customized to show specific spending categories, merchant types, and time periods.
    • Visa Spend Clarity also offers a variety of tools and resources to help cardholders manage their spending and avoid overspending.
    • Helping users track their spending in real-time
    • Providing budgeting tools to help users stay on track
    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
    Visa
    • Horribly Dated Interface
    • Clunky operation
    • Requires 5 clicks where 1 should be sufficient
    • Slow
    • Worst program I have used in a decade.
    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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    Visa
    No answers on this topic
    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
    Visa
    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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    Visa
    We found the results and returns with the Visa Spend Clarity were more positive than some other platforms. After researching competitors like, Data Card Wizard and Airwallex, we found the ease and comfort for our customers was more beneficial by using the Visa Spend Clarity application. The brand name helped ease the customer's concerns.
    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
    Read full review
    Visa
    • It is not feasible, but probably it takes 20% less time to start work with you contractor.
    • Once having integrations with Uber, Booking - probably discounts accumulated with funding accounts will influence the performance.
    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.