BILL Divvy vs Mercury Business Credit Card Review 2025

Now, authorized signers must verify their identity via text message before signing and submitting their application. This added layer of protection helps prevent unauthorized access and keeps your application secure. For app developers, easily integrate BILL’s financial capabilities into your applications to create new value for your users. With these features, customers benefit from cleaner data, fewer vendor sync issues, and a streamlined vendor list that’s organized exactly as you want to see it. Access top AP reports and insights for all of your clients right from your Accountant Console. Our enhanced solution is designed to work where you already manage your financial operations, right inside BILL.

Applying for business credit is simple

Limits start low (often around $1,000) and increase with a history of usage and credit strength. For companies just getting started or managing tighter cash flow management, this can offer a safe entry point, but it might not scale quickly. You can set department-wide rules, limit international usage, or flag transactions that break company policy. It’s designed for teams that need flexibility and oversight at the same time. Brex is designed for startups and larger companies with strong cash positions.

Download the BILL Spend & Expense app

The BILL Divvy Reserve Card is the smart solution for big-spending businesses looking to maximize rewards while still accessing their deposit at any time. With 1.5% cash back (and beyond) on every purchase, and unmatched access to your secured funds, it adds up to a level of cash flexibility you won’t find anywhere else. In addition, you have access to our Accountant Resource Center, which is full of content and educational resources for helping you offer spend management CAS to your clients. Spend management and expense management are both processes for controlling budgets, allocating resources, and tracking spend across an organization.

Ordering your first physical card task will now show up on your task list

In addition to W-9 management, https://ecommercefastlane.com/accounting-services-for-startups/ BILL will aggregate payments made to each 1099 vendor, so all you have to do is review, approve, and file. BILL Cash Flow Forecasting helps you plan for the future by providing clear visibility into your business's cash flow. Synced with QuickBooks Online, it lets you generate cash flow forecasts using historical data, track key metrics, and run “what if” simulations. You can customize views and dashboards to fit your business needs. Additionally, BILL Insights offers out-of-the-box dashboards to optimize AP processes by identifying trends, opportunities, and potential savings.

Importance of enhanced international payments

You can use points for travel, statement credit, or transfer them to 7 airline partners. There’s no waiting period, no minimum balance and your points don’t expire. Admins can easily track which receipts are missing and send follow-ups. Ramp requires $25,000 in the bank to qualify and also avoids personal guarantees.

Helping businesses succeed faster

• Stripe tracks your spending each month and divides your spending into specific categories.
• All of this information is collected and bundled in the software, ready for them to send to you, the accountant, at the end of the month.
• In addition to Approvals, Payments also received an upgrade in our mobile app.
• Wells Fargo is one of the largest U.S. banks, offering banking services, lending, investments and wealth management, and investment banking.
• Eliminate manual reporting and increase data accuracy through AI-powered reports like Processed Bills or Bill Reminders.
• All packages include expense and spend management features and unlimited virtual cards for domestic use.

Your client will still be able to earn rewards on the money their business spends on BILL Spend & Expense. BILL Spend & Expense is accounting for startups free to use, and there are no hidden fees or contracts. Unlike other expense management platforms, you and your client don’t have to pay subscription fees or pay per user to use the software. Switching expense management systems can be daunting for your clients, but we know that the benefits of a spend management solution outweigh any short-term inconveniences—for both you and your clients.

• Soon, you’ll notice an enhanced payment tracker in BILL that will provide clearer guidance if there’s any action you need to take.
• Since spend management uses charge cards that are linked to budgets and managed in a spend management software, the card must be linked to the software.
• In an increasingly global marketplace, that includes fostering smoother business operations and supply chain management internationally.
• BILL gets mixed reviews on customer support performance, and the rewards program confuses cardholders.
• You can set department-wide rules, limit international usage, or flag transactions that break company policy.