BILL Financial Operations Platform for Businesses & Firms

With our new API, you can seamlessly integrate BILL Spend & Expense with your existing systems to maximize scalability, efficiency, and control. Pull transaction history into your own systems for analysis and reporting, manage your users, budgets, and cards at scale, and automate your workflows tailored for your needs. For customers, the experience is seamless, offering Local Transfer payments through the same convenient process as domestic payments or international wires.

• The bank provides services to individuals, small businesses, and larger institutions.
• ‍The BILL Divvy Card may be issued by one of Divvy Pay, LLC’s bank partners.
• Enhanced policy controls complement this feature, streamlining the management and compliance of spending policies.
• Now, BILL brings similar automation to more customers by generating and posting scheduled journal entries directly into QuickBooks Online, with additional ERPs to follow.
• Ramp’s evolution—from corporate cards to a full-fledged financial operations suite with cash management—mirrors a broader industry trend toward unified finance platforms.
• AI-powered auto-categorization and receipt matching streamline your expenses.

Advantages of BILL Spend & Expense

• This allows your client to assign and remove funds to and from each card as needed, and gives you and your client real-time visibility into how the funds are being spent.
• Spend management and expense management are both processes for controlling budgets, allocating resources, and tracking spend across an organization.
• Your client can order as many physical BILL Divvy Cards as they need to empower all of their employees to spend on behalf of the business.
• Security is about controlling access, protecting sensitive data, and ensuring your team stays compliant without slowing down financial operations.
• We think this is super cool, and is a big reason why we’d recommend Ramp for teams with 30-40+ employees.
• The intelligent way to create and pay bills, send invoices, manage expenses, control budgets, and access the credit your business needs to grow — all on one platform.
• Choosing the right business credit card for your business requires an in-depth understanding of key features, such as fees, eligibility requirements, and rewards.

We think this is super cool, and is a big reason why we’d recommend Ramp for teams with 30-40+ employees. Like the other platforms listed here, Ramp has the same virtual card functionality (and physical cards for employees). You’ll want to spin up a virtual card for each company you use with Ramp, and you can even restrict (lock) these cards to a specific merchant. For a startup banking solution, the best option depends on your business needs. However, we recommend Mercury because it offers venture debt for venture-backed startups, https://www.citybiz.co/article/785736/the-real-value-of-accounting-services-for-startups/ along with traditional banking services.

Coming soon: Even clearer visibility coming to payments

Pay By Card allows you to set any card on file as your default payment method, making bill payments faster and more convenient. Filter your transactions table to only show transactions with receipts auto-validated via OCR (they have a green lightning bolt). This makes it easy for approvers to select and approve transactions with greater confidence. Whether it’s a duplicate bill, data entry error, or incorrect approver, you’ll have more clarity on steps to resolve the issue. BILL Spend & Expense uses MX to make connecting your personal bank account for reimbursements easy and secure.

Get greater visibility into your note history, accelerate approvals, and more quickly resolve payment issues

This model works well if you have ongoing spending across multiple teams or tools. Streamline your entire AP process, from bill creation to approvals and payments—with AI working behind the scenes to reduce errors and manual work. The intelligent way to create and pay bills, send invoices, manage expenses, control budgets, and access the credit your business needs to grow — all on one platform. Divvy is one of the biggest fintech success stories of the 2020s. Founded in late 2016 by Blake Murray and Alex Bean, the Lehi, Utah-based startup went from founding to a $2.3 billion exit in just 4.5 years. While several companies have reached $2.3B+ valuations in that time (see Appendix), few, if any have actually cashed in so quickly.

New ways to simplify how you manage cards

The platform is renowned for streamlining the accounts payable and receivable processes, making it easier for companies to manage their finances effectively. The Business Altitude card is a good choice for startups with a good to excellent credit score, and firms with large travel budgets. Cardholders cant access tools for expense management, payables, and treasury functions.Rho provides business checking accounts, corporate cards, and AP automation in a single platform.

Enjoy more functionality to make managing your financial controls even more straightforward. If you select Allow overspend, spend from the budget will be allowed to surpass the total for the budget without a buffer, but The Real Value of Accounting Services for Startups you’ll be notified once this total is reached to maintain visibility. Enjoy uninterrupted spend and avoid declines due to budget amount restrictions. Next—and most importantly—choose what happens when you reach your target.