Divvy

What is Divvy

Divvy is a spend management and corporate card platform designed for finance teams, accounting departments, and SMBs that need centralized control over company spending. The product combines virtual and physical cards, policy-driven approvals, real-time expense tracking, and budgeting tools into a single platform so teams can issue cards, set limits, and reconcile expenses with less manual work. Divvy also connects with major accounting systems to automate posting and reduce reconciliation time.

The platform is built to replace manual processes—expense reports, manual PO workflows, and separate corporate cards—by providing a single interface for issuing cards, enforcing budgets, and analyzing spend. Administrators can create cards tied to budgets or to individual employees, set merchant or category restrictions, and view live transaction feeds. These capabilities reduce the need for one-off approvals and help teams enforce policy consistently across departments.

Divvy is commonly used by finance, operations, and procurement teams that want visibility into who is spending, why, and against which budgets. It serves companies that want audit-ready records, automated coding to accounting ledgers, and controls that scale from small teams to multi-entity organizations.

Divvy features

What does Divvy do?

Divvy issues both virtual and physical corporate cards and pairs those cards with a spend management application that enforces budgets and workflows. Card controls are granular: administrators can set limits by amount, time window, merchant category, and single-use/recurring settings. Virtual cards are particularly useful for SaaS subscriptions and one-off vendor payments because they can be created instantly and retired after use.

The platform also includes budget and expense features such as real-time budget allocation, bill payment workflows, receipt capture, and automatic transaction matching. Divvy’s mobile apps let employees submit receipts and categorize expenses at the point of purchase; the web console centralizes approvals and reconciliation. These features reduce the volume of manual expense reports and accelerate month-end close.

Integrations are another core capability. Divvy synchronizes transactions, vendor names, and accounting codes with systems like QuickBooks, NetSuite, Sage Intacct, and Xero to simplify journal entry creation and reconciliation. The product includes reporting tools for spend analysis, category breakdowns, and custom export options for financial reporting and audit trails.

Divvy pricing

Divvy offers these pricing plans:

• Free Plan: $0/month — core spend management, virtual cards, basic card controls, and standard integrations suitable for many small and medium businesses
• Starter: Custom pricing — adds advanced controls, additional integrations, and enhanced reporting for growing finance teams
• Professional: Custom pricing — includes automation features, advanced approval workflows, and more granular role controls for mid-market users
• Enterprise: Custom pricing — single sign-on (SSO), dedicated support, custom integrations, and negotiated limits for large organizations

Divvy historically offers a no-monthly-fee core product for many customers while charging for value-added services or enterprise-level features; final costs for paid tiers vary by company size, card volume, and chosen integrations. Check Divvy's current pricing tiers on Divvy's pricing page (https://www.divvy.com/pricing) for the latest rates and any promotional terms.

How much is Divvy per month

Divvy starts at $0/month for the core spend management offering when companies use the standard virtual and physical card services. Many organizations use the free core product for basic card issuance, receipt capture, and accounting integrations without a per-user subscription fee.

For teams that need more advanced automation, custom reporting, or enterprise-grade support, Divvy’s paid tiers are quoted on a per-organization basis and billed monthly or annually depending on the contract. Those tiers involve negotiated rates tied to features and card volume rather than a single per-user sticker price.

How much is Divvy per year

Divvy costs $0/year for its core plan when organizations rely on the standard platform features available at no monthly subscription. Annual costs for paid plans vary because advanced features and enterprise add-ons are priced through sales negotiations and may include setup fees, integration fees, or minimum commitments.

Enterprise contracts often include a yearly commitment with custom SLAs, onboarding packages, and potentially per-card or per-transaction fees—Divvy provides quotes through its sales team for these arrangements. For exact annual costs, consult Divvy's sales resources on Divvy's pricing page (https://www.divvy.com/pricing).

How much is Divvy in general

Divvy pricing ranges from $0 to custom enterprise pricing per month. The entry-level offering provides core functionality at no monthly charge for many typical small and mid-market customers. Beyond that, Divvy’s paid tiers and enterprise agreements are custom-priced to reflect advanced features, integrations, and service levels.

When estimating total cost of ownership, consider not just subscription or platform fees but also card interchange or processing arrangements, potential implementation fees for accounting integrations, and internal staffing time saved through automation. These factors commonly influence whether a paid tier or enterprise arrangement is required.

Check Divvy's current pricing tiers and enterprise options at Divvy's pricing page (https://www.divvy.com/pricing).

What is Divvy used for

Divvy is used for corporate expense management, centralizing control of employee spending through virtual and physical cards that tie directly into budgets and accounting. Organizations use Divvy to replace legacy expense reports and to enforce purchasing policy at the point of payment, which reduces reliance on retroactive approvals and manual journal entries.

Typical workflows include creating virtual cards for software subscriptions, issuing single-use cards for vendor invoices or contractors, and assigning departmental budgets that automatically track spend against allocated funds. Finance teams use Divvy to cut reconciliation time because transaction data and receipts are captured and mapped to general ledger accounts in near real time.

Operational uses include travel and T&E management, subscription governance (reducing duplicate SaaS apps), and vendor payment controls. Procurement and operations teams benefit from visibility into who is spending, what vendors are receiving payments, and how spend patterns align with budgets.

Pros and cons of Divvy

Divvy provides a suite of capabilities that reduce manual tasks in accounts payable and expense management, but it has trade-offs organizations should consider when evaluating it against other spend platforms.

Pros:

• Real-time visibility: immediate transaction feeds and budget tracking reduce surprises at month end
• Card controls: virtual and physical cards with merchant and spend limits improves policy enforcement
• Accounting integrations: direct sync to QuickBooks, NetSuite, Sage Intacct, and similar systems reduces reconciliation work

Cons:

• Pricing variability for larger customers: enterprise-level pricing and features are custom quoted, which can complicate procurement comparisons
• Feature overlap: organizations already using dedicated procurement systems or ERPs may need integration work to avoid duplication
• Adoption curve: teams must adopt new workflows for card issuance and approvals; smaller companies without centralized finance functions may need process changes

When evaluating Divvy, factor in transaction volumes, existing accounting systems, and whether your organization prefers per-user pricing or prefers platform-based pricing with negotiated enterprise terms.

Divvy free trial

Divvy often enables immediate onboarding for the core platform with no trial period required for basic features, because issuing virtual cards and creating accounts can be done quickly. New customers can sign up and begin issuing virtual cards and connecting accounting systems to evaluate core functionality in live operations.

For paid tiers or enterprise add-ons, Divvy typically offers demos or pilot programs tailored to the organization’s workflows. These pilots let teams test advanced approval workflows, multi-entity budgeting, and custom integrations before committing to a contract.

If you want to trial Divvy’s enterprise features, consult Divvy’s sales and onboarding team through Divvy's contact channels for a staged proof-of-concept or pilot tailored to your accounting environment (https://www.divvy.com/pricing).

Is Divvy free

Yes, Divvy offers a free core plan that provides essential spend management, virtual card issuance, and standard accounting integrations at no monthly subscription cost for many customers. The core offering is intentionally accessible for small to mid-sized organizations that want immediate control over spend without a subscription fee.

That said, advanced automation, custom reporting, dedicated account management, and enterprise integrations are provided as part of paid tiers or custom enterprise arrangements. Organizations with complex multi-entity needs or compliance requirements typically move to paid plans or negotiated contracts.

For confirmation of what is included in the no-cost offering and which advanced capabilities require payment, consult Divvy's feature and pricing details on Divvy's pricing page (https://www.divvy.com/pricing) and Divvy's features documentation (https://www.divvy.com/features).

Divvy API

Divvy exposes programmatic access to transaction data, card lifecycle events, and reporting through its public developer resources. The API allows finance and engineering teams to pull raw transaction feeds, reconcile payments, and integrate Divvy data into custom dashboards or internal systems. Common uses include automated journal creation, custom spend analytics, and audit exports.

Documentation for developers covers authentication methods, endpoints for transactions, cards, users, and sometimes webhooks for real-time event notifications (new transaction, card issuance, status changes). Engineering teams typically use the API to build custom reporting layers, to sync Divvy with in-house ERPs, or to automate vendor payment reconciliation.

If you plan to build integrations, review Divvy's developer documentation and API reference for rate limits, supported payload formats, and examples. For technical details and samples, consult Divvy's developer resources at Divvy's developer documentation (https://developers.divvy.com).

10 Divvy alternatives

• Brex — Corporate cards and spend management aimed at startups and high-growth companies, with built-in rewards and venture-friendly underwriting
• Ramp — Spend management and savings-focused platform that emphasizes automated policy enforcement and vendor optimization
• Airbase — Full accounts payable and spend platform combining bill payments, credit cards, and bill approvals with AP automation
• Expensify — Expense reporting and receipt capture focused on T&E workflows with automatic receipt scanning and audits
• SAP Concur — Enterprise-grade travel and expense platform with deep integrations for complex compliance and global operations
• Coupa — Procurement and spend management platform that focuses heavily on sourcing, supplier management, and procurement workflows
• Chrome River — Enterprise expense and invoice solution popular in global organizations for complex expense policies
• Brex (note: listed earlier for emphasis) — see above
• Ramp (note: listed earlier for emphasis) — see above
• Airbase (note: listed earlier for emphasis) — see above

Paid alternatives to Divvy

• Brex: Integrated corporate card and CFO tools with rewards and treasury features; often chosen by startups that want credit and spend visibility in one product
• Ramp: Focuses on automatic cost savings, policy automation, and analytics; pricing typically based on a combination of platform use and negotiated terms
• Airbase: Provides AP automation with bill payments, virtual cards, and policy-driven approvals for mid-market to enterprise teams
• Expensify: Strong expense reporting and receipts capture workflow with per-user pricing options and integrations to major accounting systems
• SAP Concur: Enterprise travel and expense management with global compliance features and a wide partner ecosystem

Open source alternatives to Divvy

• Odoo: Open source ERP with accounting, invoicing, and purchase modules that can be extended to manage spend and approvals; requires hosting and configuration
• ERPNext: Open source ERP suitable for midsize organizations; includes expense and purchase modules that can be used to build a spend-control workflow
• Firefly III: Personal finance manager that can be adapted for small-business expense tracking with self-hosting; useful when open-source control and data locality are priorities

Frequently asked questions about Divvy

What is Divvy used for?

Divvy is used for corporate spend management and issuing virtual and physical cards. It centralizes budget controls, enforces approval workflows, and integrates with accounting systems so organizations can manage purchases, reconcile transactions, and reduce manual expense reporting.

How much does Divvy cost per user?

Divvy starts at $0/month per user for the core platform offering. Paid tiers and enterprise features are custom priced and typically negotiated based on card volume, required integrations, and support levels.

Does Divvy integrate with QuickBooks and NetSuite?

Yes, Divvy integrates with QuickBooks, NetSuite, Sage Intacct, and other accounting systems. These integrations sync transactions and help automate journal entries, reducing manual reconciliation work in accounting ledgers.

Can I issue virtual cards with Divvy?

Yes, Divvy provides virtual card issuance. Virtual cards can be created instantly for one-off purchases or recurring subscriptions, and administrators can set single-use or recurring limits for enhanced security.

Is Divvy suitable for enterprise companies?

Yes, Divvy offers enterprise capabilities through custom contracts. Enterprise plans include SSO, advanced security controls, dedicated support, and custom integrations tailored to multi-entity accounting environments.

Does Divvy provide corporate physical cards?

Yes, Divvy issues physical corporate cards in addition to virtual cards. Physical cards can be assigned to employees and managed with the same budget controls, limits, and merchant restrictions as virtual cards.

How secure is Divvy?

Divvy follows industry-standard security practices and provides enterprise security features. The platform uses encrypted connections for transaction data, role-based access controls, and supports authentication options suitable for enterprise deployments; review Divvy's security and compliance documentation on Divvy's site for specifics.

Can Divvy automate expense reconciliation?

Yes, Divvy automates much of the reconciliation process. Transactions are captured, matched to receipts, and mapped to ledger codes, which reduces manual journal entries and shortens the time required for month-end close.

Does Divvy have an API for custom integrations?

Yes, Divvy provides an API and developer documentation. The API exposes transaction data, card events, and user information and supports webhooks for real-time updates; consult Divvy's developer documentation for endpoints and examples (https://developers.divvy.com).

How do I get started with Divvy?

You can sign up for Divvy's core services to begin issuing virtual cards immediately. For advanced features or enterprise onboarding, contact Divvy’s sales team to request a demo or pilot and to evaluate integrations with your accounting systems via Divvy's pricing and contact resources (https://www.divvy.com/pricing).

divvy careers

Divvy typically hires across product, engineering, sales, and finance roles as it supports product development and enterprise customer onboarding. Candidates interested in finance systems, payments, and spend management often find roles that combine technical skills with domain knowledge in accounting and compliance.

To find open positions and descriptions, consult Divvy's careers listings on their corporate site or parent company pages. Job listings include role requirements, remote/hybrid options, and information about team structure.

divvy affiliate

Divvy may offer partner or referral programs through reseller and referral relationships with accounting firms, financial advisors, and software integrators. Affiliate-style partnerships usually involve revenue sharing or referral fees for qualified customer introductions.

For partnership details, potential partners should consult Divvy's partner or reseller information via Divvy's official channels to learn about program tiers, referral requirements, and onboarding steps.

Where to find divvy reviews

Independent reviews and user feedback for Divvy can be found on software review sites like G2, Capterra, and TrustRadius where users discuss onboarding, customer support, and feature fit. These reviews provide practical perspectives on day-to-day operations, implementation time, and ROI based on transaction volumes.

For vendor-provided case studies and customer success stories, review Divvy's resources and case study pages on Divvy's main site to see examples of implementation across industries.