Softwr

Accounting · head to head

Chargebee vs Divvy

Chargebee logo

Chargebee

Accounting

Subscription billing & revenue management

From
Free
Rated
-
Full reviewWebsite
Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Chargebee priced as a percentage of billing, 0.80 percent on pay-as-you-go or 0.65 percent plus $99 a month on the committed plan, so the fee rises with revenue; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Chargebee covers Subscription management, Divvy covers Corporate cards.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Chargebee and Divvy actually diverge.

Attributes where Chargebee and Divvy differ
AttributeChargebeeDivvy
Pricing modelusage-basedfree
PlatformsWeb, ApiWeb, Ios, Android
Founded20112016

Identical on both: starting price (Free), free tier (Yes), 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 Chargebee

  • Subscription management
  • Recurring billing
  • Revenue recognition
  • Dunning management
  • Checkout pages
  • Stripe
  • PayPal
  • Salesforce

Only in Divvy

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

Both cover

  • NetSuite
  • SOC 2
  • PCI DSS
  • Web support

What people use each for

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

Chargebee

  • Subscription billingnot Divvy
  • Revenue operationsnot Divvy
  • Pricing experimentationnot Divvy

Divvy

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

Where each one falls short

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

Chargebee

  • Priced as a percentage of billing, 0.80 percent on pay-as-you-go or 0.65 percent plus $99 a month on the committed plan, so the fee rises with revenue
  • Split into four separate product lines, Billing, CPQ, RevRec and Growth, each with its own tiers and most quote-only
  • CPQ Lite is free only for the first 50 quotes
  • Revenue recognition pricing is demo-only
  • Enterprise Plus requires an annual commitment

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

Chargebee

Free
  • Flow (Billing)Free
    • Usage-based billing: $0.80% for first $20K invoicing volume
    • Then $99 + 0.65% for higher volumes
    • Includes 100M usage events per month
  • CPQ LiteFree
    • Free for first 50 quotes
  • Growth (Starter)Free
    • Free exclusively for Chargebee Billing customers

Divvy

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

Which should you pick?

Choose Chargebee if

  • You need subscription management.
  • You want to start without paying.
  • You work on Web, Api.
  • You also want recurring billing.
Chargebee 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 Chargebee or Divvy better?
Neither clearly leads. Chargebee starts at Free and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Chargebee or Divvy?
Chargebee starts at Free and Divvy at Free.
Does Chargebee or Divvy run on more platforms?
Chargebee runs on Web, Api. Divvy runs on Web, Ios, Android.
Can I use Chargebee for free?
Both have a free tier, so you can try either at no cost before committing.
What is Chargebee best used for?
Chargebee is most often used for subscription billing, revenue operations, pricing experimentation. Of those, subscription billing and revenue operations are not what Divvy is typically brought in for.
What can Chargebee do that Divvy cannot?
Chargebee covers Subscription management, Recurring billing, Revenue recognition, Dunning management. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Both handle NetSuite, SOC 2, PCI DSS, Web support.

Answered from the vendors’ own pages

Chargebee: What does Chargebee Billing cost?

Chargebee Billing (Flow plan) starts free with usage-based fees: 0.80% for the first $20K in monthly invoicing volume, then $99 monthly + 0.65% for higher volumes. Includes 100M usage events per month.

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
Chargebee: Can I try Chargebee for free?

Yes. Chargebee Billing Flow plan starts at $0 with usage-based fees. CPQ Lite is free for the first 50 quotes. Growth (Starter) is free for Chargebee Billing customers.

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
Chargebee: How much does Chargebee's advanced modules cost?

RevRec and Enterprise CPQ require booking a demo or requesting a quote. No list pricing is published for these modules.

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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