BILL Spend & Expense vs. Rippling

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
Rippling
Score 8.9 out of 10
N/A
Rippling’s platform for HR, IT, payroll, and spend management automates the entire employee lifecycle, ensures compliance, supports device management, and provides real-time financial visibility from a central dashboard.
$8
starting price per user, per month
Pricing
BILL Spend & ExpenseRippling
Editions & Modules
No answers on this topic
Recommended
$8.00
starting price per user, per month
Offerings
Pricing Offerings
BILL Spend & ExpenseRippling
Free Trial
YesNo
Free/Freemium Version
YesNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional DetailsBILL Spend & Expense is free for all usersFor additional pricing details visit the Rippling pricing page.
More Pricing Information
Community Pulse
BILL Spend & ExpenseRippling
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.
Rippling
Chose Rippling
As an end user, it's a great experience, and I haven't used anything that is as integrated and useful as this.
Chose Rippling
Its ease of use, security, user friendly UI helped us a lot
Chose Rippling
Rippling offers more complex features allowing employees to really take control on how they use Rippling. It also has a really simple and clean user interface that is great to use especially for those that do not have strong computer skills. This drives strong employee …
Chose Rippling
My employer selected Rippling over Deel, because it was cheaper, had better support and a better payroll automation system
Chose Rippling
Rippling is the perfect balance between a PEO and a standalone payroll system. They have all the functions, features and support that a company needs, but allows the user (company) the flexibility to utilize the system with control. Other systems were missing this feature, …
Chose Rippling
it helps us scale, we are able to have proper employee benefits and we reduce multiple drives employee workflows.
Chose Rippling
Rippling stands out over others with its faster deployment, modern interface, and all-in-one automation for HR, IT, and payroll—making it ideal for fast-growing companies
Chose Rippling
As I am a fresher. I started using both recently. Both are completely different. But we use Jira for assigning tickets and comments etc. In Rippling we do other things. I like the interface of Jira than Rippling. We can't measure in most scenarios which is better like that. I …
Chose Rippling
Rippling is far superior than those other products. That's why we chose Rippling. The level of integration of multiple functions are limited to most but not for Rippling. This application/platform has proved it's worth with it's efficiency and they truly deliver their purpose. …
Chose Rippling
Rippling has more information and is easier to access.
Chose Rippling
We moved away from ADP WorkforceNow for Rippling, and it's been the best decision the company has made. I have saved hundreds of manual hours annually with this change.
Chose Rippling
Good for the all-in-one activity for tracking. All roles and implementations is good. Rippling enables businesses to manage both people and their access to apps, devices, and systems from one place, streamlining operations and improving security. End-to-end workflows across …
Chose Rippling
Significant more features and a much better mobile application. Rippling's mobile application is a serious win! Our employees love the ability of submitting human resources related tasks through their phone at any time. In addition, Rippling has a significant larger pool of …
Chose Rippling
Rippling has a better user experience, is more easy to use and more comprehensive. This is more related to feelings but with Employee Navigator I felf my data was not being protected because the platform looked very old and outdated. With Rippling the feeling is the opposite …
Chose Rippling
Cost effectiveness is one key that helped us to improvise the company. And all features in a single application URL is best for end users. it may be of different modules but for end users as one is a plus. where onboarding and managing users are tough when company grows year by …
Chose Rippling
Rippling inetrages with more systems
Chose Rippling
This application was horrible. Always had issues and the customer service was always so bad because they took forever to respond to any issue. Payroll was always an issue when we needed to have anything changed or corrected.
Chose Rippling
Dayforce has the option for submitting time cards. Then employees and employers need a separate app for many other functions. Which Rippling as stated previously the app allows you to just use Rippling and have all bases covered .
Chose Rippling
Rippling seems to have a wider range of features than similar products, but some of them are not currently used.
Chose Rippling
Although I did not choose Rippling, I’m glad my company did! It’s the best platform I’ve used by far. It exceeds Workday's capabilities and is easier to use in terms of its user interface. I’d pick Rippling 10 times out of 10 over any HR platform I’ve used before, especially …
Chose Rippling
Rippling is SO MUCH easier than GoCo. I worked for GoCo in the past and worked in technical support. And I saw so many issues every day with how the app worked. I was shocked to onboard with Rippling and have ZERO ISSUES. It was so easy! Highly recommend.
Chose Rippling
Easier to navigate and operate. Interface is more clean and modern. Paycom is full of options and menus everywhere, which makes it harder to operate. Also app integration with Rippling is so much easier.
Chose Rippling
We would love to transfer from our Power Automate Platform for salary increase approvals into Rippling. I think Rippling is better as it does not an expiration date for any approval flows like Power Automate does (30 days). It's also a great platform to consolidate everything …
Chose Rippling
Rippling provides the information in a clearer and more compact form. Unlike its competitor, it does not require the candidate to be aware of updates in the hiring process. Rippling delivers updates in real time, which allows the candidate to be aware of what is happening, thus …
Features
BILL Spend & ExpenseRippling
Expense Management
Comparison of Expense Management features of Product A and Product B
BILL Spend & Expense
9.2
Ratings
7% above category average
Rippling
-
Ratings
Employee Expense Reporting8.70 Ratings00 Ratings
Corporate Card Reconciliation9.80 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
Rippling
-
Ratings
Customizable Approval Policies8.90 Ratings00 Ratings
Financial Document Management8.80 Ratings00 Ratings
Payment Status Tracking8.90 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
Human Resource Management
Comparison of Human Resource Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.2
Ratings
16% above category average
Employee demographic data00 Ratings9.10 Ratings
Employment history00 Ratings8.90 Ratings
Job profiles and administration00 Ratings9.30 Ratings
Workflow for transfers, promotions, pay raises, etc.00 Ratings9.20 Ratings
Organizational charting00 Ratings9.30 Ratings
Organization and location management00 Ratings9.20 Ratings
Compliance data (COBRA, OSHA, etc.)00 Ratings9.30 Ratings
Payroll Management
Comparison of Payroll Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.2
Ratings
14% above category average
Pay calculation00 Ratings9.10 Ratings
Off-cycle/On-Demand payment00 Ratings9.10 Ratings
Benefit plan administration00 Ratings8.80 Ratings
Direct deposit files00 Ratings9.40 Ratings
Salary revision and increment management00 Ratings9.20 Ratings
Reimbursement management00 Ratings9.30 Ratings
Leave and Attendance Management
Comparison of Leave and Attendance Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.2
Ratings
14% above category average
Approval workflow00 Ratings9.20 Ratings
Balance details00 Ratings9.30 Ratings
Annual carry-forward and encashment00 Ratings9.10 Ratings
Employee Self Service
Comparison of Employee Self Service features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.3
Ratings
14% above category average
View and generate pay and benefit information00 Ratings9.40 Ratings
Update personal information00 Ratings9.30 Ratings
View company policy documentation00 Ratings9.50 Ratings
Employee recognition00 Ratings9.10 Ratings
View job history00 Ratings9.30 Ratings
Asset Management
Comparison of Asset Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.3
Ratings
14% above category average
Tracking of all physical assets00 Ratings9.30 Ratings
HR Reporting
Comparison of HR Reporting features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.1
Ratings
19% above category average
Report builder00 Ratings9.20 Ratings
Pre-built reports00 Ratings9.10 Ratings
Ability to combine HR data with external data00 Ratings9.10 Ratings
Onboarding
Comparison of Onboarding features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.3
Ratings
16% above category average
New hire portal00 Ratings9.50 Ratings
Manager tracking tools00 Ratings9.20 Ratings
Performance and Goals
Comparison of Performance and Goals features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.2
Ratings
15% above category average
Corporate goal setting00 Ratings9.20 Ratings
Individual goal setting00 Ratings9.20 Ratings
Line-of sight-visibility00 Ratings9.30 Ratings
Performance tracking00 Ratings9.30 Ratings
Performance Management
Comparison of Performance Management features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.3
Ratings
17% above category average
Performance plans00 Ratings9.30 Ratings
Performance improvement plans00 Ratings9.20 Ratings
Review status tracking00 Ratings9.20 Ratings
Review reminders00 Ratings9.40 Ratings
Multiple review frequency00 Ratings9.40 Ratings
Succession Planning
Comparison of Succession Planning features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.1
Ratings
15% above category average
Create succession plans/pools00 Ratings9.10 Ratings
Candidate ranking00 Ratings9.30 Ratings
Candidate search00 Ratings9.00 Ratings
Candidate development00 Ratings9.00 Ratings
Recruiting / ATS
Comparison of Recruiting / ATS features of Product A and Product B
BILL Spend & Expense
-
Ratings
Rippling
9.4
Ratings
20% above category average
Job Requisition Management00 Ratings9.20 Ratings
Company Website Posting00 Ratings9.20 Ratings
Publish to Social Media00 Ratings9.50 Ratings
Job Search Site Posting00 Ratings9.50 Ratings
Duplicate Candidate Prevention00 Ratings9.50 Ratings
Applicant Tracking00 Ratings9.40 Ratings
Notifications and Alerts00 Ratings9.40 Ratings
Best Alternatives
BILL Spend & ExpenseRippling
Small Businesses
Dext
Dext
Score 9.8 out of 10
Dayforce Powerpay
Dayforce Powerpay
Score 9.5 out of 10
Medium-sized Companies
Precoro
Precoro
Score 2.8 out of 10
Paypro Workforce Management
Paypro Workforce Management
Score 9.7 out of 10
Enterprises
Emburse Chrome River
Emburse Chrome River
Score 9.1 out of 10
PeopleStrong
PeopleStrong
Score 10.0 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
BILL Spend & ExpenseRippling
Likelihood to Recommend
8.8
(0 ratings)
9.1
(0 ratings)
Likelihood to Renew
-
(0 ratings)
9.1
(0 ratings)
Usability
9.4
(0 ratings)
9.2
(0 ratings)
Availability
-
(0 ratings)
9.1
(0 ratings)
Performance
-
(0 ratings)
7.3
(0 ratings)
Support Rating
8.6
(0 ratings)
9.3
(0 ratings)
Implementation Rating
-
(0 ratings)
8.4
(0 ratings)
Configurability
-
(0 ratings)
1.0
(0 ratings)
Ease of integration
-
(0 ratings)
9.1
(0 ratings)
Product Scalability
-
(0 ratings)
9.1
(0 ratings)
User Testimonials
BILL Spend & ExpenseRippling
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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I highly recommend Rippling for any company, regardless of its size. Many well-known companies trust it, and if you go onto their LinkedIn page, you will likely find that many of your friends and colleagues are already familiar with them. Along with a highly flexible and easy-to-use UI, many other companies use it, making it feel like a small world. Any company that needs software for expense management and payroll and wants consistency should consider using Rippling.
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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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  • I did not expect Live Chat Support and Email Support when we moved to Rippling. Their Support team is quick and very knowledgeable. I have had multiple instances where we have gone back and forth on a situation to come to the correct conclusion, never feeling they were trying to just close the case unsolved.
  • Being able to manage employees from application to separation is huge. Having a built in ATS that we can hire candidates from directly, and immediately have their payroll, benefits and employee profile setup has saved me countless hours for each hire.
  • Rippling allows us to manage retirement plans across the US, Canada and UK with automation and file feeds. Before Rippling I manually managed these in multiple portals, now Rippling does it for me automatically.
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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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  • It is hard to think of ways that Rippling could improve. The one area that we did have a bit of a slowdown was in the onboarding process. It was not intuitive and we expect to have some learning curve so if I could say anything needs improvement it would be this area.
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Likelihood to Renew
No answers on this topic
Rippling continues to innovate and amaze me with their new innovations and features. Product feedback is taken seriously so I always give it whenever I can and end up seeing results. Rippling is the new wave of HRIS that cannot compare against others in the industry just due to the fact they are super user friendly!
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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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Rippling is a great product that has streamlined our payroll and leave management processes. The interface is intuitive, and it’s very convenient to manage everything in one place. While the initial setup was a bit lengthy and the mobile experience can sometimes be a little slow, overall, it’s been a reliable and effective solution for our needs.
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Reliability and Availability
No answers on this topic
I like that the availability in using Rippling at any given time is useful to me. Getting on the site freely when I need gives me security of knowing that I can be in control of viewing health insurance and hours information. I have yet to get any errors in using the Rippling app.
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Performance
No answers on this topic
Rippling's performance has been great, no errors or glitches yet so far. I am confident that Going from one page to the next and all its complexity usage does not lag or times out, it works effectively and efficiently. While using Rippling and other apps it does not tend to slow it down, works great. No complaints.
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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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When I did have to reach out to Rippling for assistance I was able to get quick help and my problem resolved in a time efficient manner with out any type of hick up. The customer support team is professional, kind and always available. This makes Rippling more welcoming to use on a daily basis.
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In-Person Training
No answers on this topic
The trainer went slow and and answered our questions.
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Implementation Rating
No answers on this topic
It's really easy to implement in comparison to other tools or applications. Different key points are easily configured and implemented as per need, having different configurations in systems. Implementation is something which binds the different parameters of an organization in a single row. Implementation of rippling is much easier, quicker, and error free than any other software. I recommend it strongly!
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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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We switched from Gusto to Rippling and I wish we would've done it years ago. Rippling is so much more robust than Gusto and has made the lives of our HR team and each of our employees so much easier! I'd recommend Rippling over Gusto to every organization without any hesitation
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Scalability
No answers on this topic
I can go on here and see all my hours and pto plus health benefits. I like to have the work handbook handy to refer to legal things. How to work my role within it's limits. Being able to put in my hours and view when they are approved is a huge benefit for me.
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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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  • Routine things like PTO requests and document uploads now take a few clicks instead of hours of email back‑and‑forth. I’d estimate I spend at least half the time on those tasks compared to before, which frees me up to actually help employees.
  • What used to drag on for days now gets done in a morning - I've just asked them this now. New hires can log in, set up their tools, and start training almost immediately, so they’re productive much sooner.
  • Payroll and benefits errors used to pop up regularly, but now I almost never have to fix things or follow up on missing info. That means less stress for me and for everyone involved.
  • Having everything in one platform cuts out the “where did you send that?” and “who approves this?” questions. It feels like we’ve reduced our back‑and‑forth by at least a third.
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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.

Rippling Screenshots

Screenshot of the Rippling Dashboard: Employees' home for their payroll, benefits, documents, devices, expenses, and apps.Screenshot of Rippling Payroll: Runs payroll in 90 seconds. Pays employees and contractors around the world. Automatic tax filing.Screenshot of Rippling Benefits Administration: For the management of employees' Medical, Dental, Vision, 401K, FSA, HSA, and commuter benefits.Screenshot of Rippling Single Sign-On: Employees can access all of their SaaS apps in one click from their Rippling dashboard.Screenshot of Rippling’s Time & Attendance platform. This integrates with the rest of the product suite so that when employees clock in, their approved hours automatically synced with payroll and accounting systems.Screenshot of Rippling Mobile Device Management: To manage employees' computers and devices 100% remotely.