Brex vs. Divvy: A Close Look At Features, Pricing, And More

Brex is an integrated travel and expense management platform that targets small businesses to enterprise companies. In addition to expenses, Brex’s offerings extend to AP automation, corporate cards, and bill payment.

What does Divvy do?

Divvy, a spend management platform, was acquired by BILL in 2021, and renamed as BILL Spend & Expense. Along with a corporate card and access to credit, Spend & Expense offers a single platform for SMBs to manage accounts payable, reimbursements, and accounts receivable.

Brex vs Divvy (BILL Spend & Expense): A comparison of features.

How does Brex differ from Divvy?

Both Brex and BILL use AI to automate most of the AP and expense management tasks. But, here are the areas where they differ:

• Vendor network: BILL connects its customers with five million vendors, a feature that Brex lacks. Instead, Brex allows users to onboard vendors by sending an email invite.
• Cards in local currencies: Unlike BILL, which only supports reimbursements in USD, Brex supports local issuing and debiting of cards in 33 countries and reimbursement in 40 currencies.
• Travel booking: Brex offers travel management tools that are not available with BILL.

Key features: Brex.

Here are the core capabilities of Brex.

AP automation.

AI-powered recommendations for GL coding and merchant mapping

Brex uses AI to automate general ledger coding, compliance, and journal entries. Users can leverage AI-generated suggestions to accurately map categories, and add accounting fields and rules. Brex AI captures data from invoices that can be emailed or uploaded on the portal, suggests the matching PO, and routes them for approvals.

The platform auto-syncs data, including GL account, department, and location with major ERPs while allowing users to download custom CSVs for their ERP systems. In terms of multi-entity support, Brex has features that allow users to set spend policies, tax regulations, and currencies for each subsidy.

Expense management.

A dashboard to view users, create spend limits, and track spend

Brex gives users the ability to issue virtual and physical cards with custom spend limits, manage approvals, and track spend across categories on a single platform. While there are four default spend request types (individual travel, group travel, procurement, and general), admins can add custom request types, define currencies for each type, and set the overall budget for each type of spend. Brex uses OCR and AI to capture receipts, auto-populate fields, add memos, and set GLs, departments, and projects. Brex Assistant answers employee’s questions and helps them with tasks to fast-track month-end closing.

While cards can be issued in 20 currencies, reimbursements can be made in 70 countries in local currencies.

Payments.

Payments can be made in 40 currencies via Brex business bank account

While users can connect their existing bank accounts to manage payments, they can also opt to open a Brex business bank account. The benefits of a Brex checking account include a cash management account, faster transfers, and the ability to make international payments in 40 currencies to 115 countries. Payments can be made via ACH, wires, checks, and virtual cards (recently launched).

Travel.

A global inventory of flights, car rentals, and hotels

Brex’s unified T&E management platform includes features, such as adding receipts for trips automatically, creating custom travel spend policy, and making global reimbursements. Apart from a global inventory of hotels, flights, and car rentals, Brex partners with some airlines to offer deals and discounts. A mobile app makes it easy for admins to manage approvals, while employees can book group travel, make itinerary changes, and track their bookings and reimbursements.

Brex integrations.

Brex offers both native and CSV integrations with ERP systems, HRIS, and productivity applications.

Accounting/ERP:

• NetSuite ERP
• Sage Intacct
• QuickBooks
• Xero
• Acumatica (via CSV)
• Chrome River (via CSV)
• SAP Concur
• Coupa Pay

HRIS:

• ADP Workforce Now
• BambooHR
• Deel
• Gusto
• Justworks
• Paychex

Collaboration:

• Pipedream
• Microsoft Teams
• Zapier
• Slack
• WhatsApp
• Zoom

Security/authentication:

• 1Password
• Google Workspace
• Microsoft Azure AD
• Okta

Brex pricing.

Brex pros.

• AI-enabled platform: From offering accounting rule suggestions to auto-categorizing expenses, routing approvals to acting as a virtual assistant, Brex AI automates expense tasks.
• Travel management tools: Apart from a mobile app to manage bookings and approvals, Brex offers 24/7 support from live agents.
• Free plan: Brex’s free plan comes with useful features, such as corporate cards, expense management, Brex AI assistant, and accounting integrations.

Brex cons.

• Lacks holistic P2P capabilities: Brex’s procurement features are limited to suggesting corresponding POs for invoices and an email link for vendors to enter their payment details.
• Requires a cash balance: To be eligible for a credit limit, customers need to maintain a minimum amount of $25,000 in their Brex business account.
• Can be expensive: Key features, such as multi-currency support, custom spend policy, advanced integrations, in-app travel booking are only available in premium plans.

Key features: Divvy.

Let’s take a closer look at Divvy’s features.

AP automation.

A dashboard offers an overview of bills and payments

BILL’s AI captures details from invoices that are emailed to a BILL.com email address or uploaded via a mobile phone or computer. Apart from flagging duplicate invoices, BILL AI can split documents that contain multiple invoices, and create a bill directly from emailed invoices. By integrating with accounting software, users can sync invoices with POs. BILL allows users to set custom approval policies based on multiple criteria, such as location, vendor, department, line item amount, etc. Once approved, bills can be paid by choosing the relevant vendor from the BILL network, a database of over 5 million vendors, via their preferred payment method.

Expense management.

Notifications on the mobile app alert users to upload receipts

The Spend & Expense (formerly Divvy) module helps admins manage spend across cards, bills, reimbursements, and subscriptions and gives a quick snapshot of spending activity for different time frames. Pro-active controls, such as the ability to set budgets, define user roles, set spend limits, and create spend policies give admins control over spend before it happens. Employees can activate their BILL Divvy Corporate Card, create virtual cards, request additional funds, and view the budget and policy on the Spend & Expense mobile app. The platform’s AI extracts data from receipts uploaded through the mobile app, generates expense reports, categorizes transactions, and syncs them with the accounting software.

Corporate card.

Users can redeem the reward points they earn for card purchases

Admins can issue one physical corporate card, the BILL Divvy Corporate Card, per user. Employees can also generate unique virtual cards for each vendor from their Spend & Expense mobile app for online purchases and subscriptions. BILL also allows users to add their existing Discover, Visa, Mastercard, or American Express cards to manage spend. Instead of cash rewards on purchases, BILL Divvy Corporate Card users earn reward points that can be redeemed for gift cards, cash, or travel reimbursement.

Payments.

BILL allows users to make batch payments

BILL supports domestic payments in USD via ACH and international payments in 106 currencies across 130 countries. The software automatically checks if a vendor is within the BILL network, allows vendors to enter their preferred payment methods, and alerts them on the payment status. Admins can set custom approval workflows and make batch payments or use BILL’s Payments Services where a specialist handles large invoices.

BILL integrations.

BILL offers 2-way sync with four major accounting software while allowing data import and export with other ERPs and systems.

Accounting/ERP:

• NetSuite
• Sage Intacct
• QuickBooks
• Xero
• Microsoft Dynamics

Collaboration:

• Slack

Tax/expense management:

• Tallie
• HubDoc
• Tax1099
• Earth Class Mail

BILL pricing.

BILL offers two modules — Spend & Expense which is free to use, and the Accounts Payable module with the following packages and pricing points.

BILL pros.

• AI-powered automation: BILL’s AI automates accounts payable, expense management, and accounts receivable tasks.
• Clear overview of accounts payable: A centralized dashboard gives a quick snapshot of pending bills, payments, and approval status.
• Fast vendor payments: BILL automates ACH payments to vendors within the BILL network and offers a Pay by Card feature to fast-track payments and boost rewards.

BILL cons.

• No PO support: Procurement features, such as intake, and PO creation are missing.
• Lacks advanced multi-entity support: BILL users can’t make payments to international vendors from the corresponding subsidiary.
• Conditions on rewards: Instead of direct cash back, BILL Corporate Card users earn reward points that they can redeem only if their monthly spend is over 30% of the credit line.

Which is better: Brex or Divvy?

Can these two systems be used together?

Why is Airbase a superior choice?

Users can add tags and split bills across categories

Check out this table to see how Airbase outperforms Brex and Divvy:

See how Airbase represents the next generation of P2P solutions — book a demo with us!