Softwr

Accounting · head to head

Divvy vs FloQast

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
FloQast logo

FloQast

Accounting

Close management software for accounting teams

From
$29/month
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; FloQast no pricing is published, and the vendor states packages scale with business outcomes rather than seat count, which gives a buyer no unit to estimate against
  • They diverge on capability: Divvy covers Corporate cards, FloQast covers Close management.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and FloQast actually diverge.

Attributes where Divvy and FloQast differ
AttributeDivvyFloQast
Starting priceFree$29/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
Founded20162013

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
  • Oracle
  • PCI DSS
  • Ios support

Only in FloQast

  • Close management
  • Reconciliation
  • Flux analysis
  • Audit prep
  • Team collaboration
  • Sage
  • Excel
  • GDPR

Both cover

  • QuickBooks
  • NetSuite
  • SOC 2
  • Web support

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

FloQast

  • Managing the accounting close with checklists and reconciliationsnot Divvy
  • Automating account reconciliation and compliance workflowsnot 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

FloQast

  • No pricing is published, and the vendor states packages scale with business outcomes rather than seat count, which gives a buyer no unit to estimate against
  • The product is split into five separately packaged solution categories
  • Every route to a figure runs through a personalised demo

Pricing, plan by plan

Divvy

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

FloQast

$29/month
  • StandardFree
    • Custom pricing
    • Close management
    • Reconciliation

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 FloQast if

  • You need close management.
  • You also want reconciliation.
FloQast review

Questions people ask

Is Divvy or FloQast better?
Neither clearly leads. Divvy starts at Free and FloQast at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or FloQast?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $29/month for FloQast.
Does Divvy or FloQast run on more platforms?
Divvy runs on Web, Ios, Android. FloQast runs on Web.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. FloQast starts at $29/month.
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 FloQast is typically brought in for.
What can Divvy do that FloQast cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. FloQast covers Close management, Reconciliation, Flux analysis, Audit prep. Both handle QuickBooks, NetSuite, SOC 2, Web support.

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
FloQast: How much does FloQast cost?

FloQast does not publish specific pricing with dollar amounts. Instead, the company offers customized packages that scale with business outcomes rather than seat count. Pricing is tailored to each organization's unique needs, scope, and scale.

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
FloQast: Does FloQast charge per user?

No. FloQast explicitly states 'No Per-User Fees. Pricing Built Around Value, Not Headcount.' The company's pricing is customized to organizational requirements rather than based on the number of users.

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
FloQast: What is FloQast's pricing model?

FloQast uses a value-based pricing approach with customizable packages across solutions like Close Management, Compliance & Risk, Financial Reporting, and AI Automation. Each organization receives a personalized pricing recommendation based on their unique challenges and objectives.

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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