Softwr

Travel · head to head

Center vs Divvy

Center logo

Center

Travel

Card-first travel and expense management with real-time transaction visibility

From
On request
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: Center the product is built around its own card, so employees still using a legacy bank corporate card get the ordinary receipt-chasing experience and the real-time promise does not apply to them.; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Center covers Center corporate card, Divvy covers Corporate cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Center and Divvy actually diverge.

Attributes where Center and Divvy differ
AttributeCenterDivvy
Starting priceOn requestFree
Pricing modelquotefree
Free tierNoYes
CategoryTravelAccounting
FoundedUnknown2016

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

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 Center

  • Center corporate card
  • Real-time expense capture
  • Travel booking
  • Insights for Travel
  • Policy automation
  • ERP sync

Only in Divvy

  • Corporate cards
  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle

What people use each for

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

Center

  • A US mid-market finance team that wants committed travel spend visible before the month closesnot Divvy
  • A company replacing a bank corporate card plus a separate expense tool with one suppliernot Divvy
  • A business that wants hotel spend booked directly by staff still captured in travel reportingnot Divvy
  • A NetSuite or Sage Intacct user wanting coded expenses posted without manual re-keyingnot Divvy

Divvy

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

Where each one falls short

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

Center

  • The product is built around its own card, so employees still using a legacy bank corporate card get the ordinary receipt-chasing experience and the real-time promise does not apply to them.
  • Travel booking depends on Spotnana, meaning content, service levels and roadmap for a core part of the product sit with a third party Center does not control.
  • It is a United States product, and multi-entity companies with European or Asian subsidiaries will need a separate card and expense stack for those entities.
  • Interchange on card spend is a significant part of how the vendor earns, which is why the software price looks low; a company that keeps most spend on an existing card programme is a poor fit commercially.
  • It is a smaller supplier than Brex, Ramp or SAP Concur, so integration coverage outside the main US accounting systems is thinner and custom connectors are often the answer.

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

Center

On request
  • Center Expense and Travel$undefined/year
    • Usage-based, with no licence, deployment or support fee published
    • Flat per-booking travel fee including unlimited changes
    • Card interchange forms part of the vendor revenue

Divvy

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

Which should you pick?

Choose Center if

  • You need center corporate card.
  • You work on Web, iOS, Android.
  • You also want real-time expense capture.
Center 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 Center or Divvy better?
Neither clearly leads. Center starts at On request and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Center or Divvy?
Divvy has a free tier; the other does not. Paid plans start at On request for Center and Free for Divvy.
Does Center or Divvy run on more platforms?
Center runs on Web, iOS, Android. Divvy runs on Web, Ios, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Center starts at On request.
What is Center best used for?
Center is most often used for a us mid-market finance team that wants committed travel spend visible before the month closes, a company replacing a bank corporate card plus a separate expense tool with one supplier, a business that wants hotel spend booked directly by staff still captured in travel reporting, a netsuite or sage intacct user wanting coded expenses posted without manual re-keying. Of those, a us mid-market finance team that wants committed travel spend visible before the month closes and a company replacing a bank corporate card plus a separate expense tool with one supplier are not what Divvy is typically brought in for.
What can Center do that Divvy cannot?
Center covers Center corporate card, Real-time expense capture, Travel booking, Insights for Travel. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

Answered from the vendors’ own pages

Center: Do we have to use the Center card?

Effectively yes for the core benefit. Center can ingest other card feeds, but real-time capture, controls and the pricing model all assume its own card.

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
Center: Who provides the travel booking?

Spotnana provides the underlying Travel-as-a-Service platform; Center provides the interface, policy layer and reporting.

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
Center: Is there a per-user licence fee?

Center markets usage-based pricing with no licence, deployment or support fees; the economics rest on card interchange and booking fees.

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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