Softwr

Accounting · head to head

Divvy vs Dodo Payments

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Dodo Payments logo

Dodo Payments

Accounting

Unified billing, payments, and distribution for AI and SaaS companies

From
$4/percent + $0.40
Rated
-
Full reviewWebsite

The short version

  • Only Divvy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Dodo Payments per-transaction fees higher for specialized payment methods
  • They diverge on capability: Divvy covers Corporate cards, Dodo Payments covers Global Payments.

Where they differ

Only the attributes on which Divvy and Dodo Payments actually diverge.

Attributes where Divvy and Dodo Payments differ
AttributeDivvyDodo Payments
Starting priceFree$4/percent + $0.40
Pricing modelfreePercentage of transaction plus fixed per-transaction fee
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, API, SDK
Founded20162024

Identical on both: 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 Divvy

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

Only in Dodo Payments

  • Global Payments
  • Multi-Currency Support
  • Flexible Billing Models
  • Merchant of Record
  • Developer-Friendly SDKs
  • No-Code Checkout
  • PCI DSS Level 1

What people use each for

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

Divvy

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

Dodo Payments

  • Billing for AI API usage across multiple international marketsnot Divvy
  • Processing subscriptions with usage-based overagesnot Divvy
  • Accepting local payment methods in emerging marketsnot Divvy
  • Launching global SaaS products without multi-country payment setupnot Divvy

Where each one falls short

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

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

Dodo Payments

  • Per-transaction fees higher for specialized payment methods
  • BNPL and PayPal surcharges add cost complexity
  • ACH/SEPA fees capped at $15/$15 EUR may not scale for large transactions
  • Startup program requires application process

Pricing, plan by plan

Divvy

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

Dodo Payments

$4/percent + $0.40
  • StandardFree
    • 4% + $0.40 per domestic US transaction
    • International: +1.5%
    • Subscription billing: +0.5%
  • EnterpriseFree
    • Custom pricing negotiated
    • Unified platform for billing, payments, and distribution
    • Cross-border compliance support
  • Startup ProgramFree
    • Up to 12 months free credits
    • Preferential rates on full platform
    • Access to 40+ payment methods

Which should you pick?

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

Choose Dodo Payments if

  • You need global payments.
  • You work on Web, API, SDK.
  • You also want multi-currency support.
Dodo Payments review

Questions people ask

Is Divvy or Dodo Payments better?
Neither clearly leads. Divvy starts at Free and Dodo Payments at $4/percent + $0.40, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Dodo Payments?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $4/percent + $0.40 for Dodo Payments.
Does Divvy or Dodo Payments run on more platforms?
Divvy runs on Web, Ios, Android. Dodo Payments runs on Web, API, SDK.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Dodo Payments starts at $4/percent + $0.40.
What is Divvy best used for?
Divvy is most often used for issuing corporate cards with pre-set budgets to employees, automating expense reports and receipt capture, syncing card spend into accounting software. Of those, issuing corporate cards with pre-set budgets to employees and automating expense reports and receipt capture are not what Dodo Payments is typically brought in for.
What can Divvy do that Dodo Payments cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Dodo Payments covers Global Payments, Multi-Currency Support, Flexible Billing Models, Merchant of Record.

Answered from the vendors’ own pages

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
Dodo Payments: What countries does Dodo Payments support?

Dodo Payments operates in 220+ countries with 40+ local payment methods and support for 80+ currencies.

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
Dodo Payments: Does Dodo handle tax compliance?

Yes, Dodo Payments acts as merchant of record and handles sales tax, VAT, and GST compliance automatically across all markets.

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
Dodo Payments: Is there a startup program?

Yes, early-stage companies can apply for up to 12 months of free credits plus preferential rates on the full platform.

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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