# BILL Spend & Expense (Divvy) vs Navan Expense

**Leader by vioscaleAI score:** BILL Spend & Expense (Divvy)

| Attribute | BILL Spend & Expense (Divvy) | Navan Expense |
|---|---|---|
| **vioscaleAI score** | 65.3 (55% (medium)) | 55.1 (20% (low)) |
| content.faq | `[{"answer":"A platform combining corporate cards with AI-based expense categorization to automate spending management and financial compliance for businesses. It is indexed under Spend Management.","source":"https://www.bill.com/product/spend-and-expense","question":"What is BILL Spend & Expense (Divvy)?","confidence":0.6},{"answer":"We have confirmed browser-based access to BILL Spend & Expense (Divvy). That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://www.bill.com/product/spend-and-expense","question":"What platforms does BILL Spend & Expense (Divvy) support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for BILL Spend & Expense (Divvy), so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.bill.com/product/spend-and-expense","question":"Can BILL Spend & Expense (Divvy) be self-hosted?","confidence":0.6},{"answer":"We have confirmed 10 integrations for BILL Spend & Expense (Divvy), including QuickBooks Online, Oracle NetSuite, Xero, Box, Sage Intacct, Microsoft, G Suite and Okta, plus 2 more. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.bill.com/product/spend-and-expense","question":"What does BILL Spend & Expense (Divvy) integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2 and HIPAA for BILL Spend & Expense (Divvy). Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as BILL Spend & Expense (Divvy) not holding them. Always confirm compliance directly before you rely on it.","source":"https://www.bill.com/product/security","question":"What security certifications does BILL Spend & Expense (Divvy) have?","confidence":0.7},{"answer":"BILL Spend & Expense (Divvy) is available worldwide. Its primary market is the United States.","source":"https://www.bill.com/dl/pricing-for-growth-worksheet","question":"Where is BILL Spend & Expense (Divvy) available?","confidence":0.75}]` | `[{"answer":"An integrated travel and expense management system that automates policy enforcement, spending controls, and financial reporting while streamlining the reimbursement process. It is indexed under Spend Management.","source":"https://navan.com/expense-management","question":"What is Navan Expense?","confidence":0.6},{"answer":"We have confirmed browser-based access to Navan Expense. That is the extent of what we could verify from public sources, so it may well offer desktop or mobile clients we have not indexed.","source":"https://navan.com/expense-management","question":"What platforms does Navan Expense support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Navan Expense, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://navan.com/expense-management","question":"Can Navan Expense be self-hosted?","confidence":0.6},{"answer":"We have confirmed 8 integrations for Navan Expense, including NetSuite, QuickBooks Online, Xero, Sage Intacct, Datev, Sherpa, Microsoft Dynamics and SAP. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://navan.com/expense-management","question":"What does Navan Expense integrate with?","confidence":0.6},{"answer":"We have independently confirmed SOC 2, ISO 27001 and GDPR for Navan Expense. Certifications we do not list are ones we have not been able to verify from public sources, which is not the same as Navan Expense not holding them. Always confirm compliance directly before you rely on it.","source":"https://navan.com/blog/expense-policy-compliance","question":"What security certifications does Navan Expense have?","confidence":0.7}]` |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | A business expense management solution that provides corporate cards with automated receipt capture, AI-powered expense coding, and approval workflows while integrating seamlessly with accounting systems. | A cloud-based solution that centralizes travel and expense management while enabling data exchange with enterprise resource planning and accounting systems for improved financial tracking and analysis. |
| features.capabilities | `{"pricing_model":"per_user_monthly","multi_currency_fx_handling":true,"automated_receipt_matching_ocr":true,"netsuite_sage_intacct_erp_sync":true,"ap_invoice_bill_payment_bundled":true,"pre_approval_spend_limit_routing":true,"native_corporate_card_issuing_underwriting":true}` | `{"soc2_type_ii":true,"netsuite_sage_intacct_erp_sync":true,"native_corporate_card_issuing_underwriting":true}` |
| integrations.count | 5 | 6 |
| integrations.list | `[{"name":"QuickBooks Online"},{"name":"Oracle NetSuite"},{"name":"Xero"},{"name":"Box"},{"name":"NetSuite","native":true,"category":"erp","direction":"bidirectional"},{"name":"Sage Intacct","native":true,"category":"erp","direction":"bidirectional"},{"name":"Microsoft"},{"name":"G Suite","direction":"inbound"},{"name":"Okta","direction":"inbound"},{"name":"Centrify","direction":"inbound"},{"name":"AuthO","direction":"inbound"},{"name":"QuickBooks","native":true,"category":"accounting","direction":"bidirectional"},{"name":"Microsoft Dynamics","native":true,"category":"accounting","direction":"bidirectional"}]` | `[{"name":"NetSuite"},{"name":"QuickBooks Online"},{"name":"Xero"},{"name":"Sage Intacct"},{"name":"Datev"},{"name":"Sherpa"},{"name":"Microsoft Dynamics","category":"erp"},{"name":"SAP","category":"erp"}]` |
| market.availability | `{"primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | - |
| platform.support | `{"web":true}` | `{"web":true}` |
| pricing | `{"type":"hybrid","plans":[{"free":true,"name":"Spend & Expense","summary":"$0/user/month","features":["physical and virtual cards","budget management","expense tracking","credit lines"],"commitment":"monthly","components":[{"kind":"fixed","amount":0,"period":"month","currency":"USD"}],"description":"Corporate cards with budgets, expense tracking, and credit line access","contactSales":false,"includedLimits":{"credit_lines":"$1,000–$5M"}},{"free":false,"name":"Accountant Console","summary":"$49/month","features":["manage multiple clients","resell AP/AR services","NASBA-certified CPE training"],"commitment":"monthly","components":[{"kind":"fixed","amount":49,"period":"month","currency":"USD"}],"description":"Multi-client management with AP/AR resale and NASBA-certified training","contactSales":false},{"free":false,"name":"Essentials","summary":"Per-user/month (specific price not disclosed)","commitment":"monthly","description":"AP/AR subscription","contactSales":false},{"free":false,"name":"Team","summary":"Per-user/month (specific price not disclosed)","commitment":"monthly","description":"AP/AR subscription","contactSales":false},{"free":false,"name":"Corporate","summary":"Per-user/month (specific price not disclosed)","features":["full feature users","lower-cost approver-only users"],"commitment":"monthly","description":"AP/AR subscription with tiered user roles","contactSales":false},{"free":false,"name":"Enterprise","summary":"Custom pricing","features":["multi-entity support","custom configuration"],"description":"Custom pricing for large, complex organizations","contactSales":true}],"addOns":[{"name":"Payment processing fees"}],"summary":"Free Spend & Expense tier ($0/user/month); AP/AR subscriptions from Essentials tier (per-user monthly); additional per-transaction fees for checks, ACH, instant transfers, and international payments","currency":"USD","freeTier":true,"sourceUrl":"https://www.bill.com/product/pricing","retrievedAt":"2026-09-29T10:48:05.471Z","startingPrice":{"amount":49,"period":"month","currency":"USD"},"billingPeriods":["month"]}` | - |
| pricing.free_tier | yes | - |
| pricing.model | freemium | commercial |
| pricing.price_level | mid | - |
| pricing.starting_price | `{"amount":49,"currency":"USD"}` | - |
| pricing.transparent | yes | - |
| security.gdpr | - | yes |
| security.hipaa | yes | - |
| security.iso27001 | - | yes |
| security.pci | yes | yes |
| security.soc2 | yes | yes |
| security.trust_center | - | https://navan.com/blog/corporate-travel-compliance |

## Capabilities (Spend Management)

| Capability | BILL Spend & Expense (Divvy) | Navan Expense |
|---|:--:|:--:|
| **Capabilities** |  |  |
| Native corporate card issuing underwriting | ✓ | ✓ |
| Unlimited virtual merchant specific cards | - | - |
| Pre approval spend limit routing | ✓ | - |
| Automated receipt matching OCR | ✓ | - |
| Merchant category code mcc blocking | - | - |
| Ap invoice bill payment bundled | ✓ | - |
| Netsuite sage intacct ERP sync | ✓ | ✓ |
| Slack teams receipt upload bot | - | - |
| Multi currency fx handling | ✓ | - |
| SOC2 type ii | - | ✓ |
| PCI DSS level 1 compliant | - | - |
| Pricing model | Per user monthly | - |

*Source: vioscaleAI. Generated 2026-10-16T19:29:13.851Z. "-" = undocumented, not absent.*