Accounting · head to head
Divvy vs Extend
Extend
Payroll
Virtual card issuing and spend controls layered onto existing business credit cards
- From
- Free
- Rated
- -
The short version
- Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Extend it depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.
- They diverge on capability: Divvy covers Corporate cards, Extend covers Virtual card issuing.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Divvy and Extend actually diverge.
Identical on both: starting price (Free), free tier (Yes), 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 Extend
- Virtual card issuing
- Per-card spend controls
- Approval workflows
- Receipt auto-matching
- ERP integrations
- API access
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 Extend
- Automating expense reports and receipt capturenot Extend
- Syncing card spend into accounting softwarenot Extend
Extend
- A small business wanting free vendor-level virtual card controls without opening a new card programmenot Divvy
- A company with an existing Amex or bank business card wanting tighter per-vendor spend limitsnot Divvy
- A finance team wanting predictable per-user pricing rather than a private quote for spend managementnot Divvy
- A larger business wanting API-driven automated card issuance tied to its existing card relationshipnot 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
Extend
- It depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.
- The free Starter plan is capped at five users and 100 cards a month, which small but growing teams will outgrow quickly and need to upgrade past.
- The Pro plan enforces a ten-user minimum, so a company with only two or three people who need virtual cards pays for unused seats.
- Rewards, credit terms and dispute resolution still run through the underlying card issuer, so Extend cannot improve or change those terms; it only adds a control layer on top.
- Deeper ERP integrations such as NetSuite and Dynamics 365 are reserved for the custom-quoted Enterprise tier, so companies needing them lose the pricing transparency of the published Starter and Pro plans.
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
Extend
Free- StarterFree
- Up to 5 users and 10 guests
- Up to 100 virtual cards per month
- One expense category
- Pro$11.99/month
- 10 user minimum
- Up to 500 virtual cards per month
- Custom approval workflows and QuickBooks Online integration
- Enterprise$undefined/month
- Unlimited users and virtual cards
- API access for automated card issuance
- NetSuite and Dynamics 365 integration, dedicated account manager
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.
Choose Extend if
- You need virtual card issuing.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want per-card spend controls.
Questions people ask
- Is Divvy or Extend better?
- Neither clearly leads. Divvy starts at Free and Extend at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or Extend?
- Divvy starts at Free and Extend at Free.
- Does Divvy or Extend run on more platforms?
- Divvy runs on Web, Ios, Android. Extend runs on Web, iOS, Android.
- Can I use Divvy for free?
- Both have a free tier, so you can try either at no cost before committing.
- 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 Extend is typically brought in for.
- What can Divvy do that Extend cannot?
- Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Extend covers Virtual card issuing, Per-card spend controls, Approval workflows, Receipt auto-matching.
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%).
SourceExtend: Does Extend replace our business credit card?
No, it issues virtual cards against an existing American Express, Visa or Mastercard business credit line rather than opening a new card programme.
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%.
SourceExtend: Is there really a free plan?
Yes, the Starter plan is free for up to five users, ten guests and 100 virtual cards a month.
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.
SourceExtend: What does Pro cost?
11.99 dollars per user per month billed annually, or 12 dollars monthly, with a ten-user minimum.
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.
SourceRelated pages
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