Expense management software that powers smart company cards
BILL Spend & Expense gives your team smart, flexible cards paired with AI-powered expense management software—so every transaction is controlled, categorized, and automatically compliant.
The BILL Divvy Card may be issued by one of Divvy Pay, LLC's bank partners. The BILL Divvy Card is not a deposit product. For your specific lender, see your Card Agreement.
a payment?
To accept this invitation, please use the link below.
a payment?
To accept this invitation, please use the link below.
a payment?
To accept this invitation, please use the link below.
a payment?
To accept this invitation, please use the link below.
a payment?
To accept this invitation, please use the link below.
Features built for smarter spending
BILL Spend & Expense combines AI-powered expense management software with the BILL Divvy Card* to give you instant visibility, automated controls, and a cleaner close every month.
Give every team member the power to spend while you stay fully in control with real-time tracking, flexible limits, and instant visibility.
BILL makes it easy to access the funding you need, no matter the size of your business. Apply online now.
See expenses the moment they happen. BILL replaces end-of-month chaos and paper chasing with real-time insights and AI-powered auto-categorization.
Let BILL handle the heavy lifting of large invoice payments—so you can boost your bottom line, streamline payables, and earn rewards you won’t get with ACH or checks.
BILL AI brings a trillion dollars of financial intelligence to your workflow—removing manual tasks, increasing accuracy, and surfacing insights that fuel smarter, faster decisions.
Experience a direct two-way sync that keeps everything aligned. BILL connects seamlessly with NetSuite, Sage Intacct, QuickBooks, Microsoft, and Xero—automatically or on demand.
How BILL Spend & Expense works
From getting started to closing your books, here's what you can expect.
Apply once, get approved fast, and unlock flexible spending power.
Create physical or virtual cards for teams with limits and rules baked in.
Snap a receipt and you’re done—transactions appear instantly.
Everything flows into your accounting system without the manual work.
With AI working behind the scenes, BILL Spend & Expense helps you close faster, stay accurate, and focus on growth—not data entry.
Predictive AI monitors your transactions in real time to detect suspicious activity and stop fraud in its tracks. And with our intelligent approach to vendor onboarding and validation, you can safely add vendors with confidence.
Powered by 300M transactions across our network, BILL’s AI processes over 5M predictions every day—delivering 95% day-one accuracy in auto-capturing key invoice fields.
With AI-driven categorization and receipt matching, manual entry shrinks and accuracy soars, so you can avoid costly errors and close your books in record time—every time.
BILL AI isn’t bolted onto one product—it's embedded across your workflows, delivering intelligent automation that cuts silos, connects workflows, and clears the path to growth.
Cards, credit, and expense software
built for your industry
Whether you’re managing client work, moving inventory, or running multi-department workflows, BILL gives every team fast, accurate, and controlled spending—without the manual lift.
From job costing to card controls, give your team the tools they need to get things done.
Manage ads, inventory purchasing, and employee spend in real time.
Track materials, travel, and operational costs with precision and control.
Why customers trust BILL Spend & Expense
*Based on a survey of 127 BILL Spend & Expense users conducted by UserEvidence in March 2022.
What our customers are saying
Recognized by finance and
accounting industry leaders
Frequently asked questions
software?
The start of unstoppable
BILL is reshaping how businesses move, manage, and maximize their money.
The future of finance is intelligent.
More are on the way.
The BILL Reconciliation agent already categorizes transactions and writes business notes for you. We're working on a completely touchless transaction experience—just swipe and you're done.
BILL has travel plans.
Managing travel spend can be messy—lost receipts, manual uploads, and over-budget bookings. We're working on an all new travel platform that makes business travel simple for employees and stress-free for finance teams.
Local simplicity.
BILL already powers payments to 130+ countries and moves over 1% of US GDP. The next chapter: making it as simple for businesses to pay and manage vendors around the world as it is to do business next door.