Accounting · head to head
Divvy vs Happay
Happay
Accounting
Indian travel, expense and corporate card platform, now owned by MakeMyTrip
- From
- On request
- Rated
- -
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; Happay the platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.
- They diverge on capability: Divvy covers Budget management, Happay covers GST-aware capture.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Divvy and Happay actually diverge.
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 Divvy
- Budget management
- Expense tracking
- Real-time visibility
- Accounting sync
- QuickBooks
- NetSuite
- Oracle
- SOC 2
Only in Happay
- GST-aware capture
- Self-booking travel
- Cash advances
- Approval matrix
- Analytics
Both cover
- Corporate cards
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 Happay
- Automating expense reports and receipt capturenot Happay
- Syncing card spend into accounting softwarenot Happay
Happay
- An Indian enterprise needing GST input credit fields captured at the point of expense submissionnot Divvy
- A company with field sales staff needing rupee prepaid cards with merchant category limitsnot Divvy
- A finance team replacing a spreadsheet-and-email cash advance process with a tracked workflownot Divvy
- An Indian group wanting travel booking and expense from one supplier with domestic content depthnot 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
Happay
- The platform has changed owner twice since 2021, from founders to CRED to MakeMyTrip, and each transition has meant leadership churn and roadmap reprioritisation.
- It is now owned by an online travel agency, so the incentive is to grow travel bookings, and expense-only customers are not the strategic centre of the product.
- Card issuance depends on partner bank relationships, so limits, approval times and product features are constrained by a bank the customer does not choose.
- Coverage is overwhelmingly India-specific, which makes it unsuitable as a group-wide platform for companies with foreign subsidiaries.
- Integration depth outside common Indian ERP and accounting systems is thin, and connecting a global SAP instance usually needs bespoke work.
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
Happay
On request- Happay$undefined/year
- Quoted per-user or per-transaction subscription
- Card programme terms set with the partner bank
- Travel booking fees separate from expense subscription
Which should you pick?
Choose Divvy if
- You need budget management.
- You want to start without paying.
- You work on Web, Ios, Android.
- You also want expense tracking.
Choose Happay if
- You need gst-aware capture.
- You work on Web, iOS, Android.
- You also want self-booking travel.
Questions people ask
- Is Divvy or Happay better?
- Neither clearly leads. Divvy starts at Free and Happay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or Happay?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Happay.
- Does Divvy or Happay run on more platforms?
- Divvy runs on Web, Ios, Android. Happay runs on Web, iOS, Android.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. Happay 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 Happay is typically brought in for.
- What can Divvy do that Happay cannot?
- Divvy covers Budget management, Expense tracking, Real-time visibility, Accounting sync. Happay covers GST-aware capture, Self-booking travel, Cash advances, Approval matrix. Both handle Corporate cards.
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%).
SourceHappay: Who owns Happay now?
MakeMyTrip. It agreed in November 2024 to acquire the expense management platform, brand and team from CRED, which had bought Happay in 2021.
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%.
SourceHappay: Can it be used outside India?
It books international travel for Indian entities, but the expense and card sides are built for Indian tax and banking and do not serve foreign entities well.
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.
SourceHappay: Does Happay issue its own cards?
It issues cards through partner banks rather than under its own banking licence, so card terms follow the partner.
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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