How to Email Receipts to Divvy
The complete guide to emailing receipts to BILL Spend & Expense (Divvy) — receipts@divvy.co, auto-matching to card transactions, file formats, secondary receipt email setup, troubleshooting, and automation.
Last updated: March 2026
In This Guide
- 1. What Is Divvy (BILL Spend & Expense)?
- 2. The Divvy Receipt Email Address
- 3. Prerequisites: Before You Email Receipts
- 4. Step-by-Step: How to Email a Receipt to Divvy
- 5. File Formats & Requirements
- 6. Auto-Matching to Card Transactions
- 7. Secondary Receipt Email Setup
- 8. All Receipt Submission Methods
- 9. Troubleshooting Common Issues
- 10. Automate It with Expensent
- 11. Frequently Asked Questions
1. What Is Divvy (BILL Spend & Expense)?
Divvy is a free corporate card and expense management platform now part of BILL (formerly Bill.com). It provides businesses with virtual and physical corporate cards, real-time expense tracking, budgeting controls, and automated receipt matching — all at no cost for the core platform.
After BILL acquired Divvy, the product was rebranded as BILL Spend & Expense. However, the Divvy name remains widely used, and the platform's features, interface, and receipt email address have not changed. You'll see both names used interchangeably throughout the app and documentation.
One of Divvy's key features is receipt matching: when you email or upload a receipt, Divvy automatically matches it to the corresponding card transaction. This eliminates the need for manual expense entry and makes month-end reconciliation significantly faster.
BILL & Divvy: BILL (formerly Bill.com) is the parent company that handles accounts payable and receivable. Divvy (BILL Spend & Expense) is the corporate card and expense management arm. See our Bill.com receipt guide for the AP/AR side.
2. The Divvy Receipt Email Address
Divvy uses a single, universal receipt email address for all users:
Send receipts to
receipts@divvy.co
Unlike some expense platforms that assign unique email addresses per user, Divvy identifies your account based on the email address you send from. This means:
- •You must send from your Primary Email (the email associated with your Divvy account) or a Secondary Receipt Email you've configured
- •Emails from unrecognized addresses are rejected — they won't be matched to any account
- •Everyone in your organization sends to the same
receipts@divvy.coaddress — Divvy routes receipts to the correct user automatically
Important: Verify your receipt email address in your Divvy dashboard before forwarding. Receipts sent from an email address not registered in your Divvy profile will not be processed.
3. Prerequisites: Before You Email Receipts
Before emailing your first receipt to Divvy, confirm that these requirements are met. Missing any of them means your receipts won't be processed.
Active Divvy / BILL Spend & Expense Account
You need an active BILL Spend & Expense (Divvy) account with at least one corporate card issued to you. If your company uses Divvy but you don't have a card yet, contact your company's Divvy administrator to get one provisioned.
Authorized Email Address
Divvy only accepts receipts from email addresses linked to your account. By default, this is your Primary Email (the one you use to log in). You can also add a Secondary Receipt Email — see Section 7 for setup instructions.
Emails sent from any other address will be rejected. There is no error notification — the receipt simply won't appear in your account.
Active Card Transaction to Match Against
Divvy's receipt system is built around matching receipts to card transactions. While you can email a receipt before the transaction posts, the receipt won't be attached until the transaction settles (typically 1-3 business days). If there is no corresponding card transaction, the receipt remains unmatched in your receipt queue.
Understand the Attachment Requirement
Divvy only processes file attachments (JPEG, PDF, PNG). Receipts embedded in the email body as HTML are ignored. Many vendors — airlines, SaaS companies, hotels, ride services — send receipts as HTML in the email body rather than as downloadable attachments. Those receipts cannot be captured by Divvy via email.
4. Step-by-Step: How to Email a Receipt to Divvy
Once your email address is registered, here's how to send a receipt to Divvy:
Confirm your email is registered
Open Divvy and check that your sending email matches your Primary Email or a Secondary Receipt Email. If you're unsure, go to your profile and check under Options > Edit Account.
Forward the receipt email
Forward the receipt email to receipts@divvy.co. Make sure the receipt file is included as an attachment (JPEG, PDF, or PNG). The subject line does not matter — Divvy processes the attachments, not the email content.
Wait for the confirmation email
Divvy sends a confirmation email within a few minutes acknowledging receipt of your submission. If you don't receive a confirmation, check that you sent from an authorized email address and that the file format is supported.
Check your Divvy dashboard
Open the Divvy web dashboard or mobile app. If the corresponding card transaction has posted, the receipt will appear attached to it. If the transaction is still pending, the receipt will be matched automatically once it settles.
5. File Formats & Requirements
Divvy has specific requirements for receipt files sent via email.
Accepted
- •JPEG / JPG — Image files
- •PDF — Document files
- •PNG — Image files
Not Processed
- •HTML email body — Receipts as email content
- •Word / Excel — DOC, DOCX, XLS, XLSX
- •TIFF — Not supported by Divvy
- •Other formats — GIF, BMP, HEIC, etc.
Unsupported formats are silently ignored
The HTML Body Receipt Gap
Like most expense platforms, Divvy only processes file attachments. Many modern vendors don't attach receipt files — they embed the receipt directly in the email body as HTML. Common examples:
- •Airlines — Booking confirmations and e-tickets
- •SaaS subscriptions — Monthly billing emails from software vendors
- •Hotels — Reservation and checkout confirmations
- •Ride services — Uber, Lyft trip receipts
- •Online retailers — Order confirmations and digital receipts
Forwarding these emails to receipts@divvy.co does nothing — the receipt information is in the HTML body, and Divvy only reads file attachments.
6. Auto-Matching to Card Transactions
One of Divvy's most valuable features is automatic receipt matching. When you email a receipt, Divvy attempts to match it to an existing card transaction in your account. Here's how it works:
How Matching Works
When Divvy receives your receipt email, it identifies your account by the sender email address, then attempts to match the receipt to one of your card transactions. Matching is based on timing and transaction details. If a match is found, the receipt is automatically attached to the transaction.
Multiple Attachments = Multiple Matches
If you attach multiple receipt files to a single email, Divvy treats each attachment as a separate receipt and attempts to match each one to a different card transaction. This is useful when you have several receipts to submit at once — just attach them all to one email.
Confirmation Email
Divvy sends a confirmation email within minutes of receiving your receipt. This confirms that the file was received and processed. If you don't get a confirmation, your receipt likely wasn't processed — check your sending email address and file format.
Pending Transactions
Card transactions go through two phases: authorization (pending) and settlement (posted). Receipts can only be matched to posted transactions. If you email a receipt before the transaction settles, it will remain in your receipt queue and be matched automatically once the transaction posts (typically 1-3 business days).
Tip: If Divvy can't auto-match a receipt, you can always manually attach it to the correct transaction from your Divvy dashboard or mobile app. Unmatched receipts are not discarded.
7. Secondary Receipt Email Setup
By default, Divvy only accepts receipts from your Primary Email (the email you use to log in). If you need to forward receipts from a different email address — for example, a personal email where some vendor receipts arrive — you can add a Secondary Receipt Email.
Open your Divvy profile
Click your profile icon in the Divvy app (web or mobile).
Navigate to Options > Edit Account
Go to Options, then select Edit Account.
Add your secondary email
Under the receipt email section, enter the additional email address you want to forward receipts from. Save your changes. You can now forward receipts from this secondary address to receipts@divvy.co and they will be matched to your account.
Use case: If your company email is your Primary Email but some vendor receipts go to your personal Gmail, add your personal Gmail as a Secondary Receipt Email. Then you can forward from either address.
8. All Receipt Submission Methods
Emailing to receipts@divvy.co is one of several ways to submit receipts in Divvy. Here's a comparison of all available methods:
| Method | Best For | Auto-Match |
|---|---|---|
Emailreceipts@divvy.co | Digital receipts from email | Yes |
| Mobile App Camera capture | Physical receipts (restaurants, retail) | Yes |
| Web Upload Dashboard file upload | Files already saved to your computer | Yes |
| SMS Text Text photo to Divvy number | Quick submission from your phone | Yes |
Email forwarding is the best option for digital receipts because most vendor receipts arrive via email. However, for physical receipts (paper receipts from restaurants, retail stores, etc.), the mobile app camera is the fastest option.
9. Troubleshooting Common Issues
If your receipts aren't appearing or matching in Divvy, work through these checks:
1.Receipt not matching to a transaction
Most common issue. The transaction likely hasn't posted yet. Card authorizations can take 1-3 business days to settle. Check back after the transaction posts. Also verify the receipt amount matches the transaction amount — discrepancies (tips, currency conversion, partial payments) can prevent auto-matching.
2.No confirmation email received
If you didn't receive a confirmation email from Divvy within a few minutes, your receipt was likely not processed. Verify that you sent from your Primary Email or Secondary Receipt Email. Check your spam folder. If the email address is correct, ensure the attachment format is supported (JPEG, PDF, or PNG).
3.Unauthorized email address
Divvy rejects receipts from email addresses not associated with your account. Go to your Divvy profile and confirm your Primary Email. If you need to forward from a different address, add it as a Secondary Receipt Email under Options > Edit Account.
4.Unsupported file format
Divvy only accepts JPEG, PDF, and PNG. If your receipt is a TIFF, Word document, Excel spreadsheet, or any other format, convert it to PDF or JPEG before forwarding. Also note that receipts in the email body (HTML) are not processed — only file attachments work.
5.Receipt is HTML in the email body
Many vendors (airlines, SaaS companies, online retailers) embed receipts in the email body as HTML rather than attaching a file. Forwarding these to Divvy does nothing. You would need to screenshot or save the receipt as a PDF and attach it manually, or use a tool like Expensent that handles this automatically.
6.Receipt appears but is unmatched
If Divvy received the receipt (you got a confirmation email) but it didn't match to a transaction, it may be in your unmatched receipt queue. You can manually attach it to the correct transaction from your dashboard. This happens when the auto-match algorithm can't confidently determine which transaction corresponds to the receipt.
10. Automate It with Expensent
Expensent eliminates manual forwarding entirely. Connect your email once, and every invoice email is automatically detected and forwarded to receipts@divvy.co.
Connect your email
Link your work email using secure OAuth — we never see your password. Gmail, Outlook, and IMAP supported.
Set your Divvy address
Enter receipts@divvy.co as your forwarding destination.
Done. Receipts flow automatically.
When a new invoice arrives that you've set to auto-forward, it goes straight to Divvy automatically. Receipts are matched to your card transactions without you lifting a finger.
Why Expensent + Divvy Is Better Than Manual Forwarding
- Zero manual effort — No more forwarding individual emails
- AI-powered detection — Recognizes invoices from any vendor, not a fixed list
- Complete capture — Every receipt is filed, nothing falls through the cracks
- Paper receipt capture — Built-in phone camera scanner for paper receipts. Snap a photo and it's forwarded to Divvy just like an email invoice.
- AI price extraction — Reads PDF, JPG, and PNG attachments to extract the invoice amount, currency, and recipient automatically so you know exactly what each receipt contains before it reaches Divvy
- Fine-grained control — CC team members on forwarded emails, attach vendor notes, filter by attachment type, skip $0 invoices, or block specific senders entirely
- 5-minute setup — Connect once, done forever
Want to see how the integration works in detail? See the Divvy Integration Page →
11. Frequently Asked Questions
Stop manually forwarding receipts to Divvy
Set up Expensent in 5 minutes. Every invoice email flows to receipts@divvy.co automatically.