Softwr

Accounting · head to head

Divvy vs EnKash

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
EnKash logo

EnKash

Payroll

Indian corporate card and spend management platform holding an RBI prepaid payment instrument licence

From
On request
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; EnKash it is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.
  • They diverge on capability: Divvy covers Corporate cards, EnKash covers Corporate card ecosystem.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Divvy and EnKash actually diverge.

Attributes where Divvy and EnKash differ
AttributeDivvyEnKash
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
CategoryAccountingPayroll
Founded2016Unknown

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 Divvy

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

Only in EnKash

  • Corporate card ecosystem
  • UPI-linked petty cash wallets
  • Real-time compliance controls
  • AI receipt management
  • PPI licence issuance
  • Expense management software

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 EnKash
  • Automating expense reports and receipt capturenot EnKash
  • Syncing card spend into accounting softwarenot EnKash

EnKash

  • An Indian business replacing branch-level petty cash handling with UPI-linked digital walletsnot Divvy
  • A finance team wanting real-time merchant category restrictions on employee card spendnot Divvy
  • A company wanting tax-saving benefit cards issued alongside standard expense cardsnot Divvy
  • An enterprise wanting a prepaid card issuer with its own RBI licence rather than a reseller of a bank's licencenot 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

EnKash

  • It is built specifically for Indian regulation and payment rails, so a multinational needs a separate platform for spend outside India, undermining any single-vendor global spend management strategy.
  • Pricing is entirely unpublished, so a finance team cannot budget the platform before a sales conversation.
  • Holding its own PPI licence reduces reliance on a bank partner but does not remove regulatory risk entirely, since RBI rules on prepaid instruments and card issuance in India have changed materially in recent years and can change again.
  • As a full-stack ecosystem spanning cards, wallets and expense software, adoption benefits most companies that commit to most of the modules together, which raises switching cost once implemented.
  • Independent published benchmarks on uptime, dispute resolution speed and support responsiveness are thin compared with more established global spend platforms.

Pricing, plan by plan

Divvy

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

EnKash

On request
  • EnKash$undefined/year
    • Pricing not published, quote based on card volume and modules
    • Corporate card, expense management and UPI wallet modules available separately or bundled

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 EnKash if

  • You need corporate card ecosystem.
  • You work on Web, iOS, Android.
  • You also want upi-linked petty cash wallets.
EnKash review

Questions people ask

Is Divvy or EnKash better?
Neither clearly leads. Divvy starts at Free and EnKash at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or EnKash?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for EnKash.
Does Divvy or EnKash run on more platforms?
Divvy runs on Web, Ios, Android. EnKash runs on Web, iOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. EnKash starts at On request.
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 EnKash is typically brought in for.
What can Divvy do that EnKash cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. EnKash covers Corporate card ecosystem, UPI-linked petty cash wallets, Real-time compliance controls, AI receipt management.

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
EnKash: Does EnKash operate outside India?

No, it is built for the Indian regulatory and payment rail environment specifically.

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
EnKash: What is a PPI licence and why does it matter?

It is a Reserve Bank of India licence to issue prepaid payment instruments; EnKash holding its own, obtained April 2025, means it depends less on a partner bank for card issuance.

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
EnKash: Is pricing published?

No, EnKash requires a sales conversation for pricing based on card volume and modules used.

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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