See how BILL and Zoho® compare

BILL Zoho®
Price Free $9/user for basic (2 user minimum)
Automatic expense reporting ✔️ ✔️
Unlimited virtual cards ✔️ ✔️
Rewards ✔️ ✔️
Free mobile app ✔️ ✔️
Travel ✔️ ✔️
Reimbursements ✔️ ✔️
Budget controls ✔️ ✔️
Anytime customer support ✔️ Only with annual contract/Professional plan
Include expense software ✔️
Bill pay ✔️
Credit ✔️
Functional w/o accounting support ✔️
Multiple receipts/splits ✔️
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BILL puts all your spend in one place, for less

Budget controls make your financial goals a reality when no one can overspend.
All users get corporate cards, access to virtual cards, and expense management software together.
Choose credit and rewards that are flexible for your business needs.

“Since implementing [BILL], we have saved more than 20 hours each month in the finance department alone.”

William Duffy
Finance Manager at Alivation Health
What users are saying


average monthly savings.


of users would recommend BILL to a friend.

12 hours

average monthly time savings.
Based on a survey of 127 BILL Spend & Expense users conducted by UserEvidence in March 2022.

BILL provides cards and software for free

Tired of unclear pricing from other expense software solutions? BILL is free for every business and does not require minimum usage. You can provide every employee with company cards and enforceable budgets—with no additional fees.

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Dashboard mockup

No other card or software can do what BILL does

Enforceable budgets

Create a common understanding of budgets. Start by making a budget, with admins and users, divvy out funds, and watch the spend roll in. With real-time tracking and spend controls, you’ll never go over budget again.
BILL’s budgeting software >

Cards for every spender

Every employee can have their own card, and you control every card’s balance. That fosters trust between the finance teams and everyone else. For off-card purchases, BILL supports painless reimbursements.
BILL Divvy Corporate Card >

Real-time visibility

Every time a BILL Divvy Corporate Card is swiped, the transaction is visible to the spender, the budget owner, and the company admin—immediately. No more flying dark until everyone files their reports.
Manage expenses with BILL >

Streamline bill payments

Pay your bills and invoices faster. With BILL’s AP Management, AP Processing just takes a few clicks: add your vendor, create a payment, and you’re done. We take care of the rest.
Join the AP Management waitlist >

Vendor management with virtual cards

Create as many virtual cards as you need to manage online subscriptions. This keeps your real 16-digit card number protected, and gives you better control.
BILL virtual cards >

Auto-categorized expenses

With BILL Spend & Expense, you’ll never have to do another manual expense report again. Say goodbye to piles of receipts and invoices. By distributing the burden of categorization to spenders, transactions are categorized at the point of spend.

User-friendly, multi-device app

BILL's app is intuitive—even beautiful—by design. And it functions the same across any device. We’ve removed friction by creating an easy-to-use app that trains your employees for you.

Seamless financial integrations

No matter what financial tech you’re using, BILL plays nice. You can map custom fields to GL codes and save hours every month with our QuickBooks Online sync.

Human support

With a world-class support team that you can reach any time, you’ll always have help spending smarter. We’re available for chat, phone call, and even in-person onboarding.
Dashboard mockup

Ready to start spending smarter?

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Zoho®, Zoho® Expense and Zoho® Finance Plus are federally registered trademarks of Zoho Corporation and is one of many trademarks owned by Zoho Corporation. Divvy is an independent SaaS provider; however is not affiliated with or endorsed by Zoho Corporation. The use of Zoho® on this page is merely to compare Divvy products with Zoho Corporation’s products.