# BILL Spend & Expense (Divvy) vs Teampay

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

| Attribute | BILL Spend & Expense (Divvy) | Teampay |
|---|---|---|
| **vioscaleAI score** | 65.3 (55% (medium)) | 39.5 (19% (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":"Teampay automates expense management for issued cards, connected payment cards, and reimbursements through a Slack and Teams-based agent. It handles receipt processing, spending policy enforcement, and automatic posting to ERPs like NetSuite, Sage Intacct, Dynamics 365, and QuickBooks Online. It is indexed under Spend Management.","source":"https://www.teampay.co","question":"What is Teampay?","confidence":0.6},{"answer":"We have confirmed browser-based access to Teampay. 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.teampay.co","question":"What platforms does Teampay support?","confidence":0.6},{"answer":"We have only confirmed a cloud / SaaS deployment for Teampay, so it appears to be vendor-hosted. If a self-hosted option exists we have not found it documented publicly.","source":"https://www.teampay.co","question":"Can Teampay be self-hosted?","confidence":0.6},{"answer":"We have confirmed 8 integrations for Teampay, including NetSuite, Sage Intacct, Dynamics 365, QuickBooks Online, Xero, Slack, Microsoft Teams and American Express. This is what we could verify from public sources, so the vendor may support others we have not indexed.","source":"https://www.teampay.co","question":"What does Teampay integrate with?","confidence":0.6}]` |
| 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. | Teampay automates expense management for issued cards, connected payment cards, and reimbursements through a Slack and Teams-based agent. It handles receipt processing, spending policy enforcement, and automatic posting to ERPs like NetSuite, Sage Intacct, Dynamics 365, and QuickBooks Online. |
| 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}` | `{"automated_receipt_matching_ocr":true,"netsuite_sage_intacct_erp_sync":true,"slack_teams_receipt_upload_bot":true,"ap_invoice_bill_payment_bundled":true,"pre_approval_spend_limit_routing":true}` |
| integrations.count | 5 | 8 |
| 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":"Sage Intacct"},{"name":"Dynamics 365"},{"name":"QuickBooks Online"},{"name":"Xero"},{"name":"Slack"},{"name":"Microsoft Teams"},{"name":"American Express","native":false,"category":"payments","direction":"inbound"}]` |
| market.availability | `{"primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | `{"primaryMarkets":[],"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"]}` | `{"type":"subscription","freeTier":false,"sourceUrl":"https://www.paystand.com/pricing","retrievedAt":"2026-08-19T21:35:21.865Z"}` |
| pricing.free_tier | yes | no |
| pricing.model | freemium | commercial |
| pricing.price_level | mid | unknown |
| pricing.starting_price | `{"amount":49,"currency":"USD"}` | - |
| pricing.transparent | yes | no |
| security.hipaa | yes | - |
| security.pci | yes | - |
| security.soc2 | yes | - |

## Capabilities (Spend Management)

| Capability | BILL Spend & Expense (Divvy) | Teampay |
|---|:--:|:--:|
| **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 2026-10-16T20:15:26.395Z. "-" = undocumented, not absent.*