Softwr

Accounting · head to head

Creem vs Divvy

Creem logo

Creem

Accounting

All-in-one payment and compliance platform for software companies

From
$3.9/percent
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: Creem per-transaction fee model scales with volume, potentially expensive for high-frequency transactions; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Creem covers Global payments processing, Divvy covers Corporate cards.

Where they differ

Only the attributes on which Creem and Divvy actually diverge.

Attributes where Creem and Divvy differ
AttributeCreemDivvy
Starting price$3.9/percentFree
Pricing modelPer-transaction flat ratefree
Free tierNoYes
FoundedUnknown2016

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 Creem

  • Global payments processing
  • Automated tax compliance
  • Subscription billing
  • Revenue distribution
  • Digital product support
  • Fraud protection
  • AI business assistant
  • Affiliate platform

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.

Creem

  • SaaS subscription billing and managementnot Divvy
  • Digital product distribution with license keysnot Divvy
  • Global payment processing across 100+ countriesnot Divvy
  • Revenue sharing among co-founders and affiliatesnot Divvy
  • Automated tax compliance for international salesnot Divvy

Divvy

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

Where each one falls short

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

Creem

  • Per-transaction fee model scales with volume, potentially expensive for high-frequency transactions
  • Limited to software and digital product companies, not suitable for physical goods
  • AI business assistant availability and capabilities not fully detailed
  • Requires using Creem as Merchant of Record, limiting white-label options
  • Mobile app only available in beta for iOS and Android

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

Creem

$3.9/percent
  • StandardFree
    • 3.9% + $0.40 per transaction
    • No setup fees
    • No monthly fees

Divvy

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

Which should you pick?

Choose Creem if

  • You need global payments processing.
  • You work on Web, iOS, Android.
  • You also want automated tax compliance.
Creem 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 Creem or Divvy better?
Neither clearly leads. Creem starts at $3.9/percent and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Creem or Divvy?
Divvy has a free tier; the other does not. Paid plans start at $3.9/percent for Creem and Free for Divvy.
Does Creem or Divvy run on more platforms?
Creem 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. Creem starts at $3.9/percent.
What is Creem best used for?
Creem is most often used for saas subscription billing and management, digital product distribution with license keys, global payment processing across 100+ countries, revenue sharing among co-founders and affiliates. Of those, saas subscription billing and management and digital product distribution with license keys are not what Divvy is typically brought in for.
What can Creem do that Divvy cannot?
Creem covers Global payments processing, Automated tax compliance, Subscription billing, Revenue distribution. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

Answered from the vendors’ own pages

Creem: What are Creem's transaction fees compared to competitors?

Creem charges a flat 3.9% plus 40 cents per successful transaction with no additional setup, monthly, or hidden fees. For a $5,000 transaction volume, Creem estimates $235 in fees compared to Lemon Squeezy at $565 ($400 + $165).

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
Creem: Does Creem handle international tax compliance?

Yes. Creem automatically handles VAT, GST, and sales tax filing and remittance as a Merchant of Record across 50+ countries, eliminating manual tax compliance work.

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
Creem: Can I use Creem for subscription billing?

Yes. Creem provides subscription management with billing, dunning, and a customer portal. Revenue splits are included for distributing earnings to co-founders and affiliates.

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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