Every category where a model named BILL Spend & Expense for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant
Spend management platforms	Spend and procurement	15%	3 of 39	16%	49	accepted challenger
Corporate cards	Spend and procurement	12%	2 of 63	3%	38	accepted challenger
Expense management	Spend and procurement	9%	5 of 46	14%	28	accepted challenger
Corporate travel management	Spend and procurement	0%	16 of 60	0%	3	under 10 labels · led by Navan at 51%
Business bill pay	Treasury and cash	0%	40 of 69	0%	1	under 10 labels · led by BILL at 35%

Movement

This is the first edition on this tier, so no move can be computed for BILL Spend & Expense yet. From the next edition this section shows, per buyer segment, whether its share moved by more than the measured noise floor.

By model

How each model treated BILL Spend & Expense across every prompt where it was named for a mid-market B2B company. Twelve models, six prompts per category.

Model	First choice	Alternative	Mention	Negative	Labels
Claude Haiku 4.5	2	2	2	1	7
GPT-5.4 mini	2	3	1	1	7
Gemini 3.5 Flash	0	6	2	1	9
Perplexity Sonar	2	3	2	2	9
Grok 4.1 Fast	1	10	3	1	15
Mistral Small	2	4	4	0	10
DeepSeek V4 Flash	0	8	3	3	14
Llama 4 Maverick	3	3	4	0	10
Qwen 3.7 Flash	1	4	5	1	11
Kimi K2	3	4	2	2	11
GLM 4.7 FlashX	0	3	3	1	7
MiniMax M2.5	0	5	4	0	9

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct44 labels5

Paraphrase50 labels9

Comparative75 labels3not counted in share

Budget-constrained78 labels30

Scale-constrained40 labels1

Negative53 labels2not counted in share

First choiceAlternativeMentionNegative340 labels in all, every segment counted; 45 of the 50 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

“Ramp or BILL Spend & Expense are the top choices because they offer robust corporate card programs and expense management tools completely free” Kimi K2 · Corporate cards · budget prompt · first choice

“The Best Overall "Zero Cost" Option: BILL Spend & Expense ... widely recommended as the strongest starter option for small businesses” Qwen 3.7 Flash · Spend management platfor · budget prompt · first choice

“BILL Spend & Expense - offers a complete spend management solution and a free standalone expense management option.” Llama 4 Maverick · Spend management platfor · budget prompt · first choice

“the strongest default choice is usually BILL Spend & Expense or Ramp, because both offer a free core tier” Perplexity Sonar · Spend management platfor · budget prompt · first choice

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“This one comes up repeatedly in negative reviews... Reports of funds being pulled/frozen without clear warning” DeepSeek V4 Flash · Corporate cards · negative prompt · hard negative

“Be especially cautious with: - BILL Spend & Expense — integration, approval, and support issues” GLM 4.7 FlashX · Spend management platfor · negative prompt · hard negative

“75+ reviews cite integration issues; 50+ mention fraud concerns” Kimi K2 · Expense management · negative prompt · hard negative

“Verdict: *High Risk due to Support & Stability Issues*” Qwen 3.7 Flash · Spend management platfor · negative prompt · hard negative

Named alongside

The products named in the same answers as BILL Spend & Expense, over the 334 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and BILL Spend & Expense was named but was not.

ProductSame answerTook the first choice insteadHead to head

Ramp292 of 334131Compare →

Brex212 of 3348Compare →

Expensify129 of 33410Not in the top three

Zoho Expense95 of 33423Not in the top three

SAP Concur80 of 3349Not in the top three

Airbase66 of 3349Compare →

Rippling Spend65 of 3341Not in the top three

Navan61 of 3345Not in the top three

Airwallex56 of 3343Not in the top three

Spendesk44 of 3343Not in the top three

A head-to-head page exists where both products are in a category's top three. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named BILL Spend & Expense. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, four of the twelve in this edition, so these counts come from 280 of the 334 answers that named BILL Spend & Expense and are not a share of its labels.

Domains cited

ramp.com129

airwallex.com114

gartner.com111

learn.g2.com110

rippling.com92

bill.com91

nerdwallet.com90

forbes.com86

emburse.com85

brex.com69

977 of the 977 domain citations in answers naming BILL Spend & Expense came from somebody else's page.

Pages cited

gartner.com/reviews/market/expense-management-software108

emburse.com/resources/best-spend-management-platforms82

learn.g2.com/best-expense-management-software81

ofx.com/en-us/blog/best-expense-management-software-solutions61

nerdwallet.com/business/credit-cards/best/corporate56

learn.g2.com/best-spend-management-software49

airwallex.com/en-us/blog/compare-corporate-business-cards45

forbes.com/advisor/credit-cards/best-corporate-credit-cards45

Pages are listed as the models cited them.

Names read as BILL Spend & Expense

What the judge wrote, as written, with how often. The vendor table decides that these count as BILL Spend & Expense; a claim can dispute any of them.

BILL Spend & Expense (formerly Divvy) 11Divvy 7BILL 5BILL Divvy 5BILL Divvy Corporate Card 5BILL Spend & Expense (Divvy) 4Bill.com 4BILL Spend and Expense 3BILL Spend & Expense (Formerly Divvy) 2BILL/Divvy 2Divvy (BILL) 2BILL (formerly Divvy) 1BILL Divvy (now BILL Spend & Expense) 1BILL Spend & Expense (ex-Divvy) 1BILL Spend & Expense (formerly Divvy / Bill.com) 1Bill Spend & Expense 1Bill spend cards 1Divvy (by Bill.com) 1Divvy (by Fiserv) 1Divvy (now BILL) 1Divvy/Bill Spend & Expense 1Divvy/Ramp 1

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when BILL Spend & Expense's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as BILL Spend & Expense, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

It does not get any change to labels, shares or verdicts, any preview, or any say over which quotes appear. A verification link goes to your work email; an address at bills.com is approved on the spot, any other address is reviewed by hand.

Your name and company appear on the claimed page, or the company alone if you ask below. A title and a LinkedIn address appear there too if you give them, and are left off if you do not. Your email address is never published.