BILL Spend & Expense

BILL Spend & Expense (formerly Divvy) is BILL's free spend and expense product for small and mid-size businesses. It is not a ledger, and it is not the same product as BILL Accounts Payable or Accounts Receivable. You apply for a BILL Divvy Card credit line, issue physical or virtual cards to people or projects, and fund each card from a budget you define. When a swipe would blow past that budget, the charge is declined instead of showing up as a surprise next month. Card spend posts in real time. Receipts can be snapped in the mobile app (or texted to a BILL number). AI matches receipts and codes transactions. Out-of-pocket spend can sit beside card spend as reimbursements paid by ACH. Approved, coded spend syncs to QuickBooks Online, QuickBooks Desktop, Xero, Oracle NetSuite, or Sage Intacct. You still close the books in those systems.

It does not replace QuickBooks Online or Xero. Ramp is the closest free card-first peer with stronger accounting automation in BookkeepDIY's own ranking. Expensify is reimbursement-first. Zoho Expense manages reports and policy without issuing a new card program. BILL Accounts Payable is a sibling paid product for vendor invoices, not this free Spend layer.

People who stick with it usually want hard budgets on company cards without paying a per-seat software fee. BILL earns on card interchange, not on a Spend & Expense subscription. Teams that need to keep their existing cards, or whose real problem is vendor invoices, should look elsewhere.