Ramp vs Divvy pricing: Divvy vs Ramp fees, BILL Spend and Expense vs Ramp Plus, and the bill pay costs that differ

A quick note on names, because it confuses the search. Divvy is now BILL Spend and Expense. BILL bought Divvy in 2021 and later moved the software under its own brand, while the card itself is still called the BILL Divvy Card. So anyone comparing Divvy vs Ramp today is comparing Ramp with BILL Spend and Expense, and the pricing page to read is bill.com/pricing, where it is listed at $0 per user per month.

Start with what the free plans actually include. BILL's pricing FAQ says the Spend and Expense plan is $0 per user per month and includes corporate cards, budgets, expense tracking and access to credit lines from $1,000 to $5M, subject to approval. BILL's own comparison article says all Spend and Expense features are included at that price, with no paid tier to unlock. Ramp's free plan, also $0 per user per month, includes the corporate card with unlimited cards, basic travel and expense management, bill pay with invoice capture, and QuickBooks Online and Xero integrations.

That last point is where the first real cost appears. Ramp's pricing page places NetSuite, Sage Intacct and more integrations under Ramp Plus, and its bill pay page states that certain ERP integrations require Plus. Plus costs $15 per user per month plus a platform fee based on team size, with 20 percent off for annual billing. Ramp does not print the platform fee, so nobody outside a sales call can give you the full Plus number. BILL Spend and Expense lists QuickBooks, Sage and NetSuite among its integrations with no paid tier attached. For a company whose books live in NetSuite or Sage Intacct, that single line can decide the comparison before anything else is weighed.

The arithmetic at 25 users makes it concrete. On Ramp Plus billed monthly, 25 people cost $375 a month before the platform fee, or $4,500 a year. With the 20 percent annual discount the per-user part drops to $300 a month, $3,600 a year, still before the platform fee. On BILL Spend and Expense the same 25 people cost $0 in software. If you are on QuickBooks Online or Xero and Ramp's free plan covers your controls, the software line is $0 on both sides and the decision moves to the card and to payables.

Payables is the second place the two split, and it runs the other way. Ramp includes bill pay on its free plan with no monthly software fee. BILL sells accounts payable and receivable as separate plans: Essentials at $49, Team at $65 and Corporate at $89 per user per month, with Enterprise quoted. Spend and Expense does not include those AP plans. A finance team of three paying vendors through BILL Essentials spends $147 a month, $1,764 a year, on the software before a single payment fee. On Ramp's free plan that software line is $0.

The per-payment fees are close. A standard ACH costs $0.59 on both. A mailed check costs $1.99 on both. An international USD wire is $19.99 at BILL and $20 at Ramp. Same-day ACH is $10 at Ramp and $11.99 at BILL, which calls it Pay Faster ACH. Ramp lists a domestic wire at $15 and an overnight check at $20, and says its payment fees are waived when bills are paid from a Ramp checking account, except overnight checks and check attachments. BILL charges $24.99 for an overnight check and offers a virtual card payment at no fee.

The 1099 line is small per form and adds up. Ramp charges $0.65 per IRS 1099 filing, NEC or MISC, with state filing free. BILL charges $2.99 per 1099 e-filed with the IRS, $1.99 through its Accountant Console, $1.49 for a direct state filing and $1.99 to mail a copy to the vendor. A company filing 40 contractor 1099s pays $26 at Ramp and $119.60 at BILL for the IRS filing alone, and more at BILL if it mails copies.

The cards themselves are both charge cards, and both are free to carry. Ramp describes its card as a corporate charge card with a 30-day payback, no personal credit check, no personal guarantee and no annual fee, with the limit based on factors such as revenue or dollars raised. BILL states the Divvy Card has a $0 annual fee, charges no interest because the balance is due in full each cycle, and comes as a fixed line, a variable line or a pre-funded line. BILL's card disclosure adds that late or returned payment, foreign currency and cross-border fees may apply under the cardholder agreement. Ramp advertises no foreign transaction fees. If your team buys from overseas vendors, read both cardholder agreements before you move spend.

Rewards differ in shape. Ramp pays cash back on card spend. BILL runs a points program where the multiplier depends on your payoff schedule, up to 7x, and BILL's own comparison article lists two limits worth reading before you count on the points: a 12-month holding period before rewards can be redeemed, and category multipliers capped at $5,000 of spend per month per category.

So which is cheaper? If you need NetSuite or Sage Intacct and do not pay vendors through BILL, BILL Spend and Expense is cheaper, because the equivalent Ramp integration sits behind Plus. If you pay vendors, file many 1099s and are on QuickBooks Online or Xero, Ramp's free plan is usually cheaper, because BILL's AP plans start at $49 per user and its 1099 fee is higher. Both are free as long as your card spend moves onto their card, and that is the cost neither pricing page states: the price is adopting a new card program.

That is the part of the decision Expenditure is built for. Some companies cannot or will not move card spend. They have a bank credit line they rely on, a card with rewards they want to keep, or cards spread across departments that nobody wants to reissue. Expenditure runs on the Visa and Mastercard cards and bank accounts you already have. We read each receipt, code the charge to the right GL account from its context, check it against your written expense policy as it lands, match it to the card transaction and sync one clean record into QuickBooks, Xero or NetSuite. We also watch spend across cards, vendors and subscriptions and flag duplicate tools, unused seats and price creep.

Expenditure costs $20, $35 or $55 per seat per month billed yearly. That is more than $0, and we say so plainly. What you pay for is keeping the cards you have and getting coding and waste detection on all of them, including the ones Ramp or BILL would never see. We never move or hold your money, we are bank-grade secure with role-based access, and we never sell or train on your financial data. This is software and insight, not financial, tax or accounting advice, and your finance team makes every call.