How Divvy pricing compares to other expense management solutions

SaaS Buying

Compare Divvy pricing with other expense management solutions and find the right fit for your business. Understand features, value, and potential savings.

Two people evaluating Divvy pricing
Written by
Vendr Team
Published on
June 8, 2023
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Understanding the value of expense management solutions is a crucial step in selecting the right option for your business. It's important to weigh the features, benefits, and potential savings each platform offers against its price.

As a popular option on the market, many would-be buyers wonder how Divvy pricing compares to other expense management solutions. To help you decide, we’ve put together this in-depth comparison.


What is Divvy?

Before we dive into the pricing, let's first understand what Divvy is. Divvy is a cloud-based platform designed to streamline expense management. It provides a real-time view of your company's finances, making budgeting and expense reporting a breeze. With Divvy, businesses can manage expenses, track budgets, and distribute funds, all in one place.

One unique feature of Divvy is its smart credit cards. These are business credit cards where spending limits can be customized per employee or per project, providing granular control over expenses. The platform also offers a mobile application, allowing employees to snap and upload receipt images, eliminating the need for physical receipts.


Divvy pricing overview

Divvy operates on a freemium model. This means that the basic usage of the platform, along with the issuance of smart credit cards, is free. Divvy makes money from interchange fees—a small amount charged to merchants every time a credit card is swiped. Therefore, it doesn’t charge its users for the basic expense management services.

However, Divvy does offer paid plans for advanced features. Currently, these include the 'Divvy Pro' plan at $5 per user per month, and the 'Divvy Enterprise' plan, priced on a quote basis. These plans include additional features like custom fields, enhanced support, training, and integration services.

How does Divvy pricing compare to other solutions?

To provide a comprehensive comparison, we’ll consider several popular expense management solutions, focusing on their pricing and the value they provide.


Expensify is a well-known name in the expense management realm. It offers features such as receipt and mileage tracking, corporate card reconciliation, and advanced tax tracking.

Expensify uses a per-user pricing model, with its 'Collect' plan costing $5 per active user per month, and the 'Control' plan at $9 per active user per month. While Expensify doesn't offer a free plan, it does provide robust features. It's worth noting that while Expensify provides similar functionalities to Divvy, businesses would need to pay the subscription fee for every active user.


QuickBooks, well-known for its accounting software, also provides expense management capabilities. It allows users to capture and organize receipts and categorize business and personal expenses.

Unlike Divvy, QuickBooks doesn’t have a freemium model. It offers several plans, starting from 'Simple Start' at $25 per month to 'Advanced' at $150 per month. Each plan comes with a varying degree of features and number of users. QuickBooks is a comprehensive solution that extends beyond expense management, making it a viable option for businesses seeking an all-in-one financial solution.

Zoho Expense

Zoho Expense is another expense management solution that automates business and travel expenses. It includes features such as automatic expense recording, multi-currency expense tracking, and integrations with accounting software.

Zoho Expense's pricing starts at $5 per user per month for the 'Premium' plan and goes up to $15 per user per month for the 'Enterprise' plan. Similar to Divvy, Zoho Expense offers a free version, but it's limited to three users and doesn't include all features.


Concur, developed by SAP, is a robust travel and expense solution designed for businesses of all sizes. It offers features such as automatic expense report generation, mileage tracking, receipt capture, and integration with other business systems.

The pricing for Concur is not readily available on their website, as they tailor the cost based on the specific needs of each business. You would need to contact their sales team for a quote. While this personalized approach might suit some businesses, others might prefer the transparency of a published pricing model like Divvy's.


Paycom is a comprehensive cloud-based expense and business management software providing functionality across numerous areas of businesses. It offers a self-service feature that empowers employees to submit expenses, which then go through an online approval workflow. The software can handle various types of expenses, including mileage and time.

Paycom's pricing model is not transparently available on their website, as they customize the pricing based on the specific needs of each client. Therefore, to get a quote for their services, you’ll need to contact them directly.


TravelBank is another platform that offers solutions for expense management, but its primary focus is on business travel and budgeting. It provides companies with the tools needed to manage their travel expenses efficiently. With TravelBank, employees can easily submit expenses and track their spending against a budget that the software creates based on real-time data.

TravelBank offers a free version of its platform. For more advanced features and larger businesses, there are "Growth" and "Enterprise" plans. Businesses interested in these tiers must reach out to TravelBank for pricing details.


Among the various contenders in the realm of expense management, PayEm might not be the most familiar name. However, it doesn't fall short in providing a robust suite of features designed to streamline expense management tasks. PayEm also distinguishes itself with its vendor management feature, which simplifies the arduous task of managing multiple suppliers, and is particularly useful for businesses dealing with numerous vendors.

In terms of pricing, PayEm follows a more traditional model compared to Divvy's freemium approach. It provides several tiers including Basic, Premium, and Enterprise plans to accommodate varying business sizes and needs. While PayEm does not disclose specific pricing details on its website, the range of options suggests flexibility to suit different budgets. This pricing structure contrasts with Divvy's free offering but matches the flexibility of Divvy's pay-for-what-you-use approach.

Divvy pricing versus the competition: A value comparison

Now that we've looked at the pricing of Divvy and other solutions, let's consider the value they offer. After all, the cost isn't the only factor to consider when choosing an expense management solution.

Flexibility and control

One area where Divvy shines is the flexibility and control it offers. The customizable spending limits on its smart credit cards give businesses greater control over their expenses. This feature is not commonly found in other expense management solutions.

Comprehensive financial management

If your business requires a comprehensive financial management solution that includes features like invoicing, income, and expense tracking, QuickBooks might provide more value despite its higher price point.

Integrated travel management

If your business involves frequent travel and you need a solution that can handle both expenses and travel management, Concur might be the right fit. However, the lack of transparent pricing might be a disadvantage for some businesses.

Simplicity and affordability

For businesses looking for simplicity and affordability, Zoho Expense could be a good choice. Its clear, per-user pricing model and free version make it an accessible option for smaller businesses.

Consider Divvy pricing along with these other options

Choosing an expense management solution involves careful consideration of various factors, including pricing, features, and the specific needs of your business. Divvy stands out with its freemium pricing model and unique features like smart credit cards, providing businesses with a flexible and cost-effective solution.

However, every business is unique, and what works for one might not work for another. It's essential to evaluate each solution in light of your business's specific needs and budget, since the right expense management solution is the one that provides the most value for your business.


Vendr Team
Vendr's team of SaaS and negotiation experts provide their curated insights into the latest trends in software, tool capabilities, and modern procurement strategies.

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