Divvy

BILL Spend & Expense (formerly Divvy) combines corporate cards with expense management software, designed to reduce the friction of expense reports. The platform is “card first”: budgets and controls can be applied to physical and virtual cards so spend is tracked at the moment it happens rather than after employees submit receipts. BILL advertises credit limits from $1,000 to $5M (terms apply) and positions the product as a way to control spend while simplifying reconciliation. Key capabilities: • Corporate cards (physical and virtual) with budget controls Real-time spend tracking and receipt capture Automated expense categorization and approvals Policy controls to reduce out-of-policy spend Mobile app for cardholders and managers Best for: finance teams that want card-based expense control and simpler month-end close.