BILL Spend & Expense vs. Navan

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
Navan
Score 8.0 out of 10
N/A
Navan (formerly TripActions) headquartered in Palo Alto offers their corporate travel management application of the same name, supporting messaging, travel rewards management, travel booking, and company policy compliance.N/A
Pricing
BILL Spend & ExpenseNavan
Editions & Modules
No answers on this topic
Navan Business
Free
Navan Enterprise
Let's Talk
Offerings
Pricing Offerings
BILL Spend & ExpenseNavan
Free Trial
YesNo
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 users
More Pricing Information
Community Pulse
BILL Spend & ExpenseNavan
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.
Navan
Chose Navan
TripActions is the first platform of its kind used by the company. Our director of Domestic Sales selected TripActions after evaluating other platforms (the names of which I do not know). His objective was to streamline travel planning, so that individual users are able to …
Chose Navan
TripActions destroys Concur. TripActions is way more user friendly and has a ton more functionality. No comparison.
Chose Navan
We used Corporate Traveler in the past. It was nice to have a dedicated travel agent, but with an organization, our size TripActions has been the best option!
Chose Navan
I personally believe that TripActions is ahead of the game here. They're always pushing out additional features and their functionality never seems to fail.
Chose Navan
I like TripActions more because everything is on a mobile app that is super user-friendly. The customer service team is also world class-I genuinely have never felt so taken care of. More so, Concur Travel and Expense never rewarded me for traveling, while I made over 200 …
Chose Navan
TripActions has superior UI, better inventory, pretty much better in every way.
Chose Navan
TripActions have less shady tricks and hidden fee but the same or better selection and price, save time.
Chose Navan
TripActions stacks up exceptionally when comparing against similar tools such as Nexonia, or Certify. Both of which I have used at prior Sales Orgs. With expense tools, it all comes down to the mobile application. If you're traveling at all for your role/job, you will …
Chose Navan
Not a fan of TripIt at all. TripActions is clearly the superior product in giving vast rewards and benefits for business travel. TripIt has seamless integration with Concur but is not user-friendly at all.
Chose Navan
TripActions is better in every way. Support, ease of use, benefits to me, as well as just the ability to compare options easily in a variety of different ways. It easily links to my travel rewards programs which is nice so I can get the benefits even when booking with my …
Chose Navan
I think TripActions is better since visually it is easier to review the trip. The appeal to the eye is nice.
Chose Navan
Definitely the look, feel and usability.
Chose Navan
TripActions is far superior to Egencia in terms of ease of use and customer support. I would not recommend Egencia for company use.
Chose Navan
They are not built for enterprises, not as intuitive, easy or organized
Chose Navan
Concur was very hard to use and most of my team didn't like using it. It was not user-friendly like TripActions.
Chose Navan
User-friendly interface. TripActions is extremely intuitive and easy to use, with tabs, graphics, chat, etc. Bonuses for individuals. The Amazon bonuses are a best seller.
Chose Navan
We evaluated a number of products and landed on TripActions... flexibility about company policy; deployment of iPhone app and its integration with Expensify were key.
Chose Navan
We realized there was a lot of money being spent on travel and hotel accomadations, and there was no way to cap how much an employee was spending. This has solved many business problems by visually explaining the correct amount someone should be spending on flights and hotels, …
Chose Navan
We did not have a good experience with Concur. It was difficult to use and outdated. I spent many days helping our travelers try to find the correct flights on Concur, or helping them troubleshoot errors. TripActions was a huge improvement and both myself and our travelers …
Chose Navan
I was not part of the evaluation process.
Features
BILL Spend & ExpenseNavan
Expense Management
Comparison of Expense Management features of Product A and Product B
BILL Spend & Expense
9.2
Ratings
7% above category average
Navan
-
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
Navan
-
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
Travel Management
Comparison of Travel Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
Navan
1.2
Ratings
93% below category average
Customizable Approval Workflows00 Ratings2.00 Ratings
Readily Available Support00 Ratings1.00 Ratings
Travel Spend Reports00 Ratings1.00 Ratings
Consolidated Invoicing00 Ratings1.00 Ratings
Easy Travel Booking00 Ratings2.00 Ratings
Mobile Travel Application00 Ratings1.00 Ratings
Centralized Itinerary Management00 Ratings1.00 Ratings
Collaborative Booking00 Ratings1.00 Ratings
Loyalty Programs00 Ratings1.00 Ratings
Reuses Traveler Information00 Ratings1.00 Ratings
User-friendly Interface00 Ratings1.00 Ratings
Integrated Expensing Tool00 Ratings1.00 Ratings
Travel Alerts00 Ratings1.00 Ratings
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BILL Spend & ExpenseNavan
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Precoro
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Enterprises
Emburse Chrome River
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Emburse Chrome River
Emburse Chrome River
Score 9.2 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
BILL Spend & ExpenseNavan
Likelihood to Recommend
8.8
(0 ratings)
1.0
(0 ratings)
Usability
9.4
(0 ratings)
-
(0 ratings)
Support Rating
8.6
(0 ratings)
9.4
(0 ratings)
User Testimonials
BILL Spend & ExpenseNavan
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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TripActions is absolutely useful for any outside sales teams and companies that promote or offer a lot of travel. If the sales team travels as much as ours does, it's worth the investment. If travel is not something that most of your company has on a monthly to quarterly basis, I do not think that TripActions would be well suited for that environment
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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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  • Provides a wide range of travel options within a wide budget.
  • It is reliable - if a trip gets canceled, they are quick to contact their customer and help sort out additional booking details to get you to your final destination.
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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.
Read full review
  • Global Pricing: Since TripActions has the role of an inventory aggregator, they have to tackle inventory one distributor at a time. If CTrip or MakeMyTrip has better inventory, it won't flow through to TripActions until a deal with them is made.
  • Controls: TripActions is very open in the way it enforces policy - meaning it isn't for every company. If a customer wants more heavy-handed controls, they'll have to go with a competitor.
Read full review
Likelihood to Renew
No answers on this topic
This decision overall isn’t made by me. The company evaluates the product. While I am an influencer the overall review is my personal opinion and mine only. The company books flights or would like for us to book flights through trip actions everything else is suggested but done with a personal cc which makes it optional. My option will be to not use TripActions for anything personally.
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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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No answers on this topic
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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- Easy bookings and quick expensing - Excellent chat support - Savings for the company since employees opt for rewards which require booking cheaper than average priced hotels - Rewards for employees - Easy to use customer interface - Great mobile applications for android and iOS - Ability to control payment methods for a different types of bookings like hotels or flights or car rentals.
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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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TripActions is the first platform of its kind used by the company. Our director of Domestic Sales selected TripActions after evaluating other platforms (the names of which I do not know). His objective was to streamline travel planning, so that individual users are able to handle their own travel needs within company budgets, rather than relying on a travel coordinator position to handle planning for multiple employees (which had been the approach prior to TripActions).
Read full review
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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  • The ability to change flights while I am on the road in meetings. They actually call the agents for me.
  • It has put money back in my pocket with the Amazon rewards and my company has saved money by me booking the less expensive options.
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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.