Softwr

Accounting · head to head

Airbase vs Divvy

Airbase logo

Airbase

Accounting

Spend management combining corporate cards, bill payment and expense claims, now part of Paylocity

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: Airbase card issuing and bill payment are built around United States entities and United States bank accounts, so a group with subsidiaries abroad keeps running local card and payment processes alongside and does not get the single ledger of spend that justified the purchase.; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Airbase covers Virtual cards per vendor, Divvy covers Budget management.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Airbase and Divvy actually diverge.

Attributes where Airbase and Divvy differ
AttributeAirbaseDivvy
Starting price$29/monthFree
Pricing modelsubscriptionfree
Free tierNoYes
Founded20172016

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 Airbase

  • Virtual cards per vendor
  • Bill payment
  • Expense reimbursement
  • Unified approval policy
  • Purchase intake and procurement
  • Automated coding
  • Receipt collection
  • General ledger sync

Only in Divvy

  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle
  • SOC 2

Both cover

  • Corporate cards

What people use each for

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

Airbase

  • A company that has outgrown one shared company card and needs per person and per subscription cards with real limitsnot Divvy
  • A finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwardsnot Divvy
  • A controller trying to close the month without rebuilding card and expense coding from statements every timenot Divvy
  • An organisation that wants spend approved before it is committed rather than discovered when the invoice arrivesnot Divvy

Divvy

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

Where each one falls short

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

Airbase

  • Card issuing and bill payment are built around United States entities and United States bank accounts, so a group with subsidiaries abroad keeps running local card and payment processes alongside and does not get the single ledger of spend that justified the purchase.
  • The value depends on nearly all spend flowing through the platform, which makes partial adoption almost worthless and means the rollout is a change management exercise across every budget holder rather than a finance department deployment.
  • Paylocity's acquisition in 2024 reorients the roadmap towards a human capital management suite, so expense reimbursement is likely to be well served while procurement and the more finance specific features compete for attention with payroll and HR priorities.
  • Pricing combines a platform fee with tiering on features and users, and part of the economics rests on interchange rebates from card spend, so a company that puts most of its spend on transfers rather than cards pays the fee without earning the offset.
  • The general ledger sync is a mapping you own, so a chart of accounts change, a new department dimension or a ledger migration means reworking the coding rules, and a bad mapping quietly posts correct approvals to the wrong accounts.

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

Airbase

$29/month
  • StandardFree
    • Corporate cards
    • Expense reports
    • Bill pay
  • Premium$10/month
    • Advanced approvals
    • NetSuite sync
    • Procurement
  • Enterprise$undefined/month
    • Custom workflows
    • API access
    • Dedicated support

Divvy

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

Which should you pick?

Choose Airbase if

  • You need virtual cards per vendor.
  • You work on Web, Ios, Android.
  • You also want bill payment.
Airbase review

Choose Divvy if

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

Questions people ask

Is Airbase or Divvy better?
Neither clearly leads. Airbase 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, Airbase or Divvy?
Divvy has a free tier; the other does not. Paid plans start at $29/month for Airbase and Free for Divvy.
Does Airbase 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. Airbase starts at $29/month.
What is Airbase best used for?
Airbase is most often used for a company that has outgrown one shared company card and needs per person and per subscription cards with real limits, a finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwards, a controller trying to close the month without rebuilding card and expense coding from statements every time, an organisation that wants spend approved before it is committed rather than discovered when the invoice arrives. Of those, a company that has outgrown one shared company card and needs per person and per subscription cards with real limits and a finance team where supplier invoices arrive in an inbox and approval is whoever replies, with no record afterwards are not what Divvy is typically brought in for.
What can Airbase do that Divvy cannot?
Airbase covers Virtual cards per vendor, Bill payment, Expense reimbursement, Unified approval policy. Divvy covers Budget management, Expense tracking, Real-time visibility, Accounting sync. Both handle Corporate cards.

Answered from the vendors’ own pages

Airbase: Does it work for companies outside the United States?

Partially. Some international spend and reimbursement is supported, but card issuing and the payment rails are strongest for United States entities. Confirm coverage for each country you operate in before assuming it replaces local processes.

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
Airbase: Does Airbase replace our accounting system?

No. It manages spend and pushes coded transactions into the ledger. QuickBooks, NetSuite or whatever else you use stays.

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
Airbase: What changed after the Paylocity acquisition?

Ownership and roadmap direction. The product continues, now positioned alongside Paylocity's payroll and HR products. If procurement is your main reason to buy, ask directly about investment in that module.

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
Airbase: How is it priced?

A platform subscription with tiers, plus usage and user dimensions, partly offset by rebates on card spend. Because the rebate depends on card volume, model your own mix of card versus transfer spend before accepting a payback figure.

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
Airbase: Can we use it for accounts payable only?

You can, but the approval consistency argument weakens considerably. Most of the reported benefit comes from cards, bills and reimbursements sharing one policy and one coding process.

Airbase: Will our auditors accept the approval records?

The per transaction record of approver, receipt and coding is generally what auditors want to see for spend testing. Agree the sampling approach with them early, particularly around any spend that still happens outside the platform.

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