Softwr

Accounting · head to head

ADP vs Divvy

ADP logo

ADP

Accounting

Always Designing for People

From
$29/month
Rated
-
Full reviewWebsite
Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Divvy has a free tier, so it costs nothing to try first.
  • Each has a real cost: ADP no pricing is published; every quote is custom and driven by employee count and which services are taken; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: ADP covers Payroll, Divvy covers Corporate cards.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which ADP and Divvy actually diverge.

Attributes where ADP and Divvy differ
AttributeADPDivvy
Starting price$29/monthFree
Pricing modelsubscriptionfree
Free tierNoYes
Founded19492016

Identical on both: platforms (Web, Ios, Android), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in ADP

  • Payroll
  • Tax services
  • HR management
  • Time & attendance
  • Benefits administration
  • Sage
  • SOC 1/2
  • ISO 27001

Only in Divvy

  • Corporate cards
  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • NetSuite
  • SOC 2
  • PCI DSS

Both cover

  • QuickBooks
  • Oracle
  • Web support
  • Ios support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

ADP

  • Payroll processing and tax filingnot Divvy
  • HR administration and employee recordsnot Divvy
  • Time and attendance trackingnot Divvy
  • Benefits administrationnot Divvy
  • Talent management on the mid-market and enterprise productsnot Divvy

Divvy

  • Issuing corporate cards with pre-set budgets to employeesnot ADP
  • Automating expense reports and receipt capturenot ADP
  • Syncing card spend into accounting softwarenot ADP

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

ADP

  • No pricing is published; every quote is custom and driven by employee count and which services are taken
  • Split into three separate products by company size, RUN for 1 to 49 employees, Workforce Now for 50 and above, and Lyric HCM for enterprise, so growing across a threshold means changing product rather than plan

Divvy

  • Divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • No standalone pricing is published for the spend and expense product; the site routes to a trial signup and sales contact
  • Signup is gated behind selecting a business type and accounting software rather than being open self-serve

Pricing, plan by plan

ADP

$29/month
  • Essential$79/month
    • Payroll
    • Tax filing
    • Direct deposit
  • Enhanced$139/month
    • HR tools
    • Background checks
    • Job posting

Divvy

Free
  • FreeFree
    • Unlimited cards
    • Expense management
    • Budget controls

Which should you pick?

Choose ADP if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want tax services.
ADP review

Choose Divvy if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want budget management.
Divvy review

Questions people ask

Is ADP or Divvy better?
Neither clearly leads. ADP starts at $29/month and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ADP or Divvy?
Divvy has a free tier; the other does not. Paid plans start at $29/month for ADP and Free for Divvy.
Does ADP or Divvy run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. ADP starts at $29/month.
What is ADP best used for?
ADP is most often used for payroll processing and tax filing, hr administration and employee records, time and attendance tracking, benefits administration. Of those, payroll processing and tax filing and hr administration and employee records are not what Divvy is typically brought in for.
What can ADP do that Divvy cannot?
ADP covers Payroll, Tax services, HR management, Time & attendance. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Both handle QuickBooks, Oracle, Web support, Ios support.

Answered from the vendors’ own pages

ADP: How is ADP pricing organized?

ADP organizes pricing by business size: Small Business (1-49 employees), Midsized (50-999 employees), and Enterprise (1,000+ employees). Each segment receives customized pricing tailored to specific business needs.

Source
Divvy: What is the cheapest way to get started with spend and expense management?

BILL's Spend & Expense plan has a free tier with no per-user subscription fee, including corporate cards, budget management, and AI receipt capture. You only pay transaction fees for ACH ($0.59), checks ($1.99), or instant payments (1%).

Source
ADP: Is there a current promotional offer for ADP payroll?

ADP currently offers 3 months free when signing up for small business payroll (promotion ends 9/24). Contact sales at 800-225-5237 for details and to request pricing based on your employee count.

Source
Divvy: What transaction costs apply when paying vendors?

ACH payments cost $0.59 per transaction, checks cost $1.99, virtual cards are free, and same-day ACH costs $11.99. International wire transfers cost $19.99. Card payments are 2.9%.

Source
Divvy: Does the free spend and expense tier include business credit lines?

The free Spend & Expense plan includes access to business credit lines ranging from $1,000 to $5 million, but credit lines are not guaranteed and eligibility is determined upon application approval.

Source
Divvy: What is the pricing for accounts payable if I need more than the free tier?

AP plans range from $49/user/month (Essentials) to $89/user/month (Corporate, most popular), with Enterprise at custom pricing. Higher tiers add accounting software integrations, procurement features, and approval controls.

Source
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