BILL Spend & Expense vs. FreshBooks

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
BILL Spend & Expense
Score 8.9 out of 10
N/A
BILL 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.N/A
FreshBooks
Score 8.6 out of 10
Small Businesses (1-50 employees)
FreshBooks is an accounting service for small businesses. The solution enables users to send and manage invoices, track billable time and collect online payments. The vendor’s value proposition this that their solution provides a straightforward service that simplifies the billing process.
$21
per month
Pricing
BILL Spend & ExpenseFreshBooks
Editions & Modules
No answers on this topic
Lite
$21
per month
Plus
$38
per month
Premium
$65
per month
Select
Custom Pricing
Offerings
Pricing Offerings
BILL Spend & ExpenseFreshBooks
Free Trial
YesYes
Free/Freemium Version
YesYes
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional DetailsBILL Spend & Expense is free for all users10% discount for annual pricing.
More Pricing Information
Community Pulse
BILL Spend & ExpenseFreshBooks
Considered Both Products
BILL Spend & Expense
Chose BILL Spend & Expense
BILL Spend & Expense was one of the more affordable options, very user friendly and very good for creating easy ways to pay through BILL Spend & Expense or to assign budgets through BILL Spend & Expense. Some of the other options did offer more features but we did not normally …
Chose BILL Spend & Expense
Bill Spend & Expense and Ramp are pretty comparable, but we ended up making the change to Ramp based on three factors:
1. The actual receipt or invoice uploads into Sage Intacct, so when reviewing financials, everything is in one place.
2. The cashback program was much simpler …
Chose BILL Spend & Expense
We also used other credit cards for employee to use, such as bank issued credit card or Capital One issued credit card, so far Divvy Card is the best one. Users have very positive using experience. Accounting is also happy with this card since it is easy to manage and control …
Chose BILL Spend & Expense
Have not compared or used other systems.
Chose BILL Spend & Expense
We used Expensify previously and strongly prefer BILL. Expensify had no fraud protection, it was almost impossible to speak with a customer service rep, and the reconciliation process was tedious and clunky.
Chose BILL Spend & Expense
I haven't used anything like Divvy before.
Chose BILL Spend & Expense
Divvy was much more affordable (free) compared to Concur. It has all the functionally as Concur with a free, alternative solution. We selected Divvy because it helped us achieve three things; capture receipts, allow users to spend within their budgets, and set budgets to …
Chose BILL Spend & Expense
Chase One Card Program

This program is like Divvy's program but it is not user-friendly and is not easy-to-use software. It is very easy to make mistakes and break the system. Divvy is a much more superior product, and I would highly recommend it to anyone especially to advise …
Chose BILL Spend & Expense
We haven't evaluated any other products.
Chose BILL Spend & Expense
We have used American Express and BOA and while they both give you the standard use of a credit card, neither one allows you to do all the things that Divvy does. Virtual cards, budget increases, categorization, receipt maintenance. Divvy is the only one we have tried of this …
Chose BILL Spend & Expense
We also researched other paid products (e.g. SAP Concur) and Divvy is far and beyond a better UI with all necessary features while they continue to improve and build out other fancy features.
Chose BILL Spend & Expense
Divvy is the provider of the credit cards. Expensify and Concur only connects your outside cards to their system.
Chose BILL Spend & Expense
There is no comparison to how easy Divvy is vs any other way of expense reporting because Divvy is real-time.
Chose BILL Spend & Expense
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!
Chose BILL Spend & Expense
We have really only used PNC's business credit cards. Their system was strange and they were not very helpful when we had issues.
Chose BILL Spend & Expense
We used to use our bank corporate cards which are antiquated compared to Bill S&E.
FreshBooks
Chose FreshBooks
QuickBooks' interface is clunky, confusing, and slow. QuickBooks support is worse than if there were no support at all. FreshBooks' UI is clean, intuitive, and even when changes are rolled out, easy to quickly learn. Their support is second to none and never disappointed us.
Chose FreshBooks
FreshBooks does very well in comparison, especially since it is free software for Barclays bank users. Sage software is much worse than FreshBooks. However, Xero and QuickBooks, the market leaders, are still ahead with usability, additional features, reporting, and connection …
Chose FreshBooks
For its simplicity, if your business is just a basic process of billing repeat clients and recording expenses, anyone can use this software.
Chose FreshBooks
There is no fluff and feature overload with FreshBooks. I can get to what I need quickly and easily. I don't have to deal with unnecessary features and fields the system considers essential. The payment features are streamlined and have lots of flexibility when receiving …
Chose FreshBooks
FreshBooks interface is better than QuickBooks. Xero's interface is more basic than both, but seems to work fine.
Chose FreshBooks
In my experience, quickbooks customer service was terrible, and program was very complicated to use. We switched to FreshBooks to simplify day to day use.
Chose FreshBooks
FreshBooks people were friendly and helpful up-front. Because of the inability to receive payments correctly, I will be moving to Stripe.
Chose FreshBooks
FreshBooks is a relative novice compared to the giant Quickbooks application that has been around for years and it is established as the go-to app for account management and invoicing. I would say that in a few years, FreshBooks can become a threat to QuickBooks but it will …
Chose FreshBooks
We do not consider other options since our client wants the implementation of this platform in order to use it in the two countries where it has operations. At the moment, full integration was not possible and we still share the information with a Mexican system to complete …
Chose FreshBooks
I selected FreshBooks because it combined Toggl, Harvest and Quickbooks features into a single system. This simple move allowed for me to save money on the tools and in turn bring all client data into a single portal.

FreshBooks is easy to use and automatically generates the …
Chose FreshBooks
FreshBooks is easy to implement and the onboarding process is straightforward. It has great user interface to navigate and any user can easily start using it. It also offers customization of the modules/reports. Most importantly invoice tracking is a great module. It is offered …
Chose FreshBooks
Freshbooks was willing to work with us on all needs and compliance issues specific to our processes.
Chose FreshBooks
I looked at QuickBooks but they only had desktop products and I was interested in a hosted solution. Freshbooks has always been ahead of their competition in this area of mobile, on the go use cases where a modern platform can be used to stay up to date and accessible from …
Chose FreshBooks
We considered using Xero for our invoicing due to the more advanced accounting features but chose FreshBooks because it offered recurring payments. Xero did not offer this critical feature at the time of purchase. And since invoicing was our main priority, FreshBooks did a …
Chose FreshBooks
It was not my choice to select FreshBooks, but my client finds it easier to do billing with FreshBooks over QuickBooks.
Chose FreshBooks
Freshbooks offers its finances in a secure and easy manner. they are also simple yet they can efficiently manage expenses, invoices, reports, and time tracking.
Chose FreshBooks
FreshBooks is an invoicing software that wants to do accounting.
Xero is an accounting software that wants to do billing.
Both are pretty solid at their core functionality, and weak on the other. However, it's a shorter step for Xero to add interest and recurring CC billing, so …
Chose FreshBooks
Years ago we started using FreshBooks and then decided to look for a less expensive option. After trying multiple solutions, we went back to FreshBooks and haven't looked back since. That was over 10 years ago.

No service can compete with their functionality, pricing, and …
Chose FreshBooks
The software we selected is because the learning curve is very kind. Once we draw the way we manage our business, we understand we have to make some changes in order to adjust to the new software. This software allows us to reflect every aspect of the business, costs and …
Chose FreshBooks
I really liked Wave Apps for a bit. It had some limitations, but I really like how easy it was to use and intuitive. Great pricing too. So I would recommend that over Freshbooks at this point for someone who is just getting started. Quickbooks is great for accounting. Super …
Chose FreshBooks
Don't get me wrong — I like Xero for accounting purposes. But Xero's invoicing isn't great. There's too many features I depend on that FreshBooks has that Xero just does not. I need to be able to take deposits, send automatic reminders, and create an extremely user-friendly …
Chose FreshBooks
FreshBooks is hands down the best software for collecting invoices, payments, tracking time and managing expenses we have ever used. I am an avid user and fan and have been and will continue to be. They are keen on the updates, on listening to customers feedback and making …
Chose FreshBooks
You have to know why you want to establish an online solution. Understanding what you want to accomplish will probably lead you to FreshBooks as it has the cleanest, simplest design going and it accomplished its tasks without being a burden.
Chose FreshBooks
I love that I can truly give an estimate on the spot and afterward transform it into a receipt. I can begin working with my customer instantly. It is similarly wonderful that I can do it anywhere and it incorporates with Stripe, which collects numerous monetary forms so we can …
Features
BILL Spend & ExpenseFreshBooks
Expense Management
Comparison of Expense Management features of Product A and Product B
BILL Spend & Expense
9.2
Ratings
7% above category average
FreshBooks
-
Ratings
Employee Expense Reporting8.70 Ratings00 Ratings
Corporate Card Reconciliation9.70 Ratings00 Ratings
Payment Management
Comparison of Payment Management features of Product A and Product B
BILL Spend & Expense
8.7
Ratings
6% above category average
FreshBooks
-
Ratings
Customizable Approval Policies8.90 Ratings00 Ratings
Financial Document Management8.80 Ratings00 Ratings
Payment Status Tracking9.00 Ratings00 Ratings
Payment Audit Trail9.50 Ratings00 Ratings
Duplicate Bill Detection7.40 Ratings00 Ratings
Advanced OCR8.70 Ratings00 Ratings
Electronic Funds Transfer8.70 Ratings00 Ratings
Customization
Comparison of Customization features of Product A and Product B
BILL Spend & Expense
-
Ratings
FreshBooks
9.1
Ratings
18% above category average
API for custom integration00 Ratings9.30 Ratings
Plug-ins00 Ratings9.00 Ratings
Security
Comparison of Security features of Product A and Product B
BILL Spend & Expense
-
Ratings
FreshBooks
10.0
Ratings
18% above category average
Single sign-on capability00 Ratings10.00 Ratings
Role-based user permissions00 Ratings10.00 Ratings
Reporting & Analytics
Comparison of Reporting & Analytics features of Product A and Product B
BILL Spend & Expense
-
Ratings
FreshBooks
7.5
Ratings
5% below category average
Dashboards00 Ratings9.00 Ratings
Standard reports00 Ratings8.80 Ratings
Custom reports00 Ratings4.80 Ratings
General Ledger and Configurable Accounting
Comparison of General Ledger and Configurable Accounting features of Product A and Product B
BILL Spend & Expense
-
Ratings
FreshBooks
7.5
Ratings
4% below category average
Accounts payable00 Ratings8.00 Ratings
Accounts receivable00 Ratings9.40 Ratings
Cash management00 Ratings7.00 Ratings
Bank reconciliation00 Ratings7.00 Ratings
Expense management00 Ratings6.60 Ratings
Time tracking00 Ratings7.60 Ratings
Multi-currency support00 Ratings7.00 Ratings
Regulations compliance00 Ratings6.00 Ratings
Self-service portal00 Ratings9.10 Ratings
Order Management
Comparison of Order Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
FreshBooks
9.5
Ratings
21% above category average
Pricing00 Ratings8.80 Ratings
Order entry00 Ratings9.30 Ratings
Credit card processing00 Ratings9.70 Ratings
Cost of goods sold00 Ratings10.00 Ratings
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BILL Spend & ExpenseFreshBooks
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Score 9.8 out of 10
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User Ratings
BILL Spend & ExpenseFreshBooks
Likelihood to Recommend
8.8
(0 ratings)
9.4
(0 ratings)
Likelihood to Renew
-
(0 ratings)
7.6
(0 ratings)
Usability
9.4
(0 ratings)
9.6
(0 ratings)
Availability
-
(0 ratings)
10.0
(0 ratings)
Performance
-
(0 ratings)
8.0
(0 ratings)
Support Rating
8.6
(0 ratings)
6.0
(0 ratings)
Implementation Rating
-
(0 ratings)
10.0
(0 ratings)
User Testimonials
BILL Spend & ExpenseFreshBooks
Likelihood to Recommend
Divvy is well suited for almost any organization/business I can think of. If you need to spend money from a specific predetermined budget, Divvy works great. If you have a high volume of transactions and you're fairly decent with excel, you can create an upload file to move transactions into your general ledger (currently only QB is supported for plug ins). If I'm really trying to find a less appropriate example, maybe if you have employees who can have a large credit limit and need to travel a lot, an Amex card might have better benefits.
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FreshBooks is the perfect tool for businesses who have hundreds of clients and customers whom they invoice regularly. It removes the need to manually send invoices to clients and customers, by streamlining inputted information to create an automated invoicing system which keeps clients and customers up to date with their bills. It is also a great tool for managing expenses, especially for companies with different teams working on varying projects, ensuring these teams do not exceed the budget ceiling.
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Pros
  • BILL is a really user friendly system - very easy to onboard people into.
  • We love BILL's rewards system and the ability to redeem for travel or gift cards.
  • BILL offers a sync option with QuickBooks that has been invaluable for our finance processes.
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  • FreshBooks is pretty intuitive to use. I did have some questions when I first started using the system, but it wasn't a long learning curve.
  • FreshBooks provides more capability than other billing applications such as PaySimple or BlinkSale. FreshBooks does provide an easy invoicing function. It's easy to create invoices that can be sent via email or snail mail to one or more individuals (for example, the decision-maker and the accounting dept). Clients can pay online or send a check and then I note that the payment has been received. If paid by credit card, the system automatically marks the invoice paid. Your business accounts such as bank accounts can be linked to FreshBooks. Then, the system can automatically draw in expenses and will create simple P&L reports, overdue invoices, client history, etc. If you don't have inventory and complex payroll, etc. FreshBooks provides just the right level of capability to make financial tracking simple.
  • FreshBooks integrates with a number of credit card companies. I use Stripe, which has fees similar to Paypal, but much more reliable processing. I can accept all credit cards, including American Express, for a reasonable fee.
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Cons
  • Logging into more than one company or ease of logging into more than one company at a time.
  • Instant messaging system to work with employees on particular transactions.
  • Being able to collect rewards on a monthly basis and having the option to get it in the form of a statement credit.
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  • Pricing structure is very poor for us. $10/user per month when we have staff that comes and goes. And it's impossible to change a free contractor to a paid staff and vice-versa. This is my biggest complaint.
  • They only allow one admin owner user. Emails must come from that account. This is annoying, as other staff cannot log in with the same power.
  • The user interface is quite dated. I've made recommendations to improve it and all have been ignored. It's skinny and not fluid. Also, there is no way to link between invoices and clients.
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Likelihood to Renew
No answers on this topic
At the current needs of our business, FreshBooks suits us perfectly - it allows online access by our accountant to the system for GST purposes, easy input of expenses and tracking of Profit and Loss statements. FreshBooks customer service is great as well - very understanding and accommodating.
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Usability
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.
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It is well-built software with no significant drawbacks. It offers all the necessary futures expected from online software. However, it is not yet up there with Xero and QuickBooks regarding connections with other software and advanced reporting features. The developers work closely with accountants, and therefore, I expect further development of the software.
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Reliability and Availability
No answers on this topic
FreshBooks is easy to use and always works!
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Support Rating
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.
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I think the support level for FreshBooks is on par with a 6 because the folks behind this application do a fairly good job at providing support for their customer base. I still don't think they are at an elite level when it comes to supporting but are getting there although too slow in my opinion.
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Implementation Rating
No answers on this topic
I haven't changed my mind since my first evaluation. Freshbooks is still meeting my needs, easy to use, etc.
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Alternatives Considered
Bill Spend & Expense and Ramp are pretty comparable, but we ended up making the change to Ramp based on three factors: 1. The actual receipt or invoice uploads into Sage Intacct, so when reviewing financials, everything is in one place. 2. The cashback program was much simpler and a higher rate than what we were getting. 3. We were bringing our A/P processing into a cloud solution, and wanted to be able to have them on the same one as our credit cards. This fact, combined with point 1, and just a slightly different payment flexibility, made the difference for us. Leaving out those points, which might not matter as much to someone else in a different situation, Bill Spend and Expense is a solid solution for anyone.
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There is no fluff and feature overload with FreshBooks. I can get to what I need quickly and easily. I don't have to deal with unnecessary features and fields the system considers essential. The payment features are streamlined and have lots of flexibility when receiving payments. I love FreshBooks support, and it is 100 more customer-friendly and easier to work with than its primary competitors from my experience.
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Return on Investment
  • Immediate ROI for any company who wants their teams to focus on driving new revenues, creating great products or over delivering to customers - instead of chasing receipts 30 days behind.
  • Ease of use and a great sales and tech support team at Divvy ensure successful onboarding with each and every employee.
  • Immediate ROI from being able to have an agile budgeting process - cashflows improve immediately when budget spend is captured in real-time, and new opportunities are captured when approvals are that easy.
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  • Since implementing FreshBrooks, 80% of invoices created are paid in less than 30 days from the time the invoice is sent via email to the client. Prior to FreshBooks, we were mailing or hand-delivering our invoices and payment on those invoices was in the 45-90 day range.
  • Time tracking is done directly in FreshBooks (or through a plugin that's connected directly to FreshBooks) and is very easy to use. With this feature we're much better able to track all business activities. This has helped us to quantify the time we're spending on non-billable business-related work in addition to our billable client hours. We've been able to adjust our pricing accordingly, as well as being more efficient with our non-billable activities.
  • When FreshBooks online payments is set-up in your account, payments made with this method are automatically sent to your bank account. We choose between FreshBooks payments and PayPal payments in order to manage how much money stays in the PayPal account for online expenses vs. how much is transferred directly to the bank account.
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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.

FreshBooks Screenshots

Screenshot of the dashboardScreenshot of an invoice overviewScreenshot of an example of a customizable invoiceScreenshot of an invoice appearing across devicesScreenshot of expensesScreenshot of time tracking