# Ramp vs. BILL Spend & Expense

> Ramp and BILL Spend & Expense both combine corporate cards, spend controls, receipt capture, reimbursements, accounting integrations and real-time reporting, but their strategic centers of gravity differ. Ramp remains an independent finance platform that starts with spend and layers on paid automation, procurement and enterprise capabilities; BILL Spend & Expense is the renamed Divvy product, acquired by Bill.com in 2021 and increasingly presented as one component of an integrated AP, AR, spend and expense suite. For buyers, the useful question is not which checklist is longer, but whether the company wants a focused control layer or a consolidated back-office relationship.

## Achievements

- Both products combine company cards with software-enforced budgets, transaction visibility and expense workflows.
- Ramp offers a free core tier plus paid Plus and custom Enterprise plans.
- BILL connects Spend & Expense with its accounts payable and accounts receivable products through one platform login.
- BILL continues to use the Divvy name on its card while describing the software product as BILL Spend & Expense.

## Latest updates

- **2026-05** — BILL announced a Lyft receipt integration for Spend & Expense, including automatic receipt matching and real-time spend visibility.
- **2026-04** — BILL detailed new travel capabilities and continued development of more automated transaction workflows for Spend & Expense.
- **2026-08** — Ramp's public pricing lists Free, Plus at $15 per user per month plus a platform fee, and custom-priced Enterprise, with procurement offered as an add-on to Plus or Enterprise.

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Last updated: 2026-08-17