BILL Spend & Expense (Divvy) Corporate Card API
BILL Spend & Expense (formerly Divvy) REST API for corporate card and expense management platform. Enables AI agents to manage corporate card issuance and limit controls, handle budget creation and spend tracking by team/department, access transaction data and expense categorization, retrieve receipt capture and document management, manage approval workflow and reimbursement, handle virtual card creation and vendor-specific cards, access real-time spend analytics and reporting, retrieve employee expense submission and review data, manage merchant controls and category restrictions, and integrate spend data with QuickBooks, Xero, NetSuite, and BILL AP.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Corporate card and expense data. SOC2, PCI-DSS. OAuth2. US data residency. Employee spend data and fraud controls.
⚡ Reliability
Best When
A small-to-mid-size business using BILL Spend & Expense (Divvy) wants AI agents to automate corporate card management, budget tracking, expense categorization, receipt processing, and accounting integration.
Avoid When
FINANCIAL RISK: Corporate card limit automation must prevent fraud and unauthorized spending. Virtual card creation and limit changes affect real financial accounts. Budget depletion alerts are critical — automated card issuance without budget checks overspends approved amounts. Employee spend data is sensitive PII.
Use Cases
- • Managing corporate card controls and budget limits from spend management agents
- • Accessing transaction and expense data from financial operations agents
- • Handling receipt capture and expense categorization from accounting automation agents
- • Integrating spend data with accounting from financial automation agents
Not For
- • Large enterprise with Concur or Coupa enterprise T&E management
- • International expense management without US-first SMB focus
- • Complex multi-currency travel expense without enterprise T&E platform
Interface
Authentication
BILL Spend & Expense uses OAuth 2.0 (inherited from BILL platform API). Account and member-level credentials with spend, transactions, and budgets scopes. Integrated with BILL developer portal. Webhooks for transaction and budget events. Part of BILL integrated platform with AP automation.
Pricing
San Jose, California. BILL subsidiary (acquired Divvy 2021 for $2.5B). Founded 2016 (as Divvy). Corporate card and expense management for SMB. Interchange-revenue business model makes base product free. 10,000+ customers. Integrated with BILL AP platform. Competes with Ramp and Brex for SMB corporate card and expense management.
Agent Metadata
Known Gotchas
- ⚠ FINANCIAL RISK: Card limit automation must check budget availability — automated increase without budget check overspends
- ⚠ Virtual card creation for vendors should not be automated without approval — fraud risk for unauthorized vendors
- ⚠ No public MCP server — OAuth2 REST API via BILL developer portal
- ⚠ Divvy brand may still appear in API endpoints post-BILL integration — use BILL platform documentation
- ⚠ Employee transaction data is sensitive PII — restrict API access to finance team use cases only
- ⚠ Merchant category restrictions — automated changes to card controls affect employee ability to complete purchases
Alternatives
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Scores are editorial opinions as of 2026-03-07.