Softwr

Accounting · head to head

Divvy vs Invoicera

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Invoicera logo

Invoicera

Accounting

Online invoicing and billing platform for multi-entity businesses

From
$50/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; Invoicera pricing quoted annually by default, with monthly billing costing roughly 20% more.
  • They diverge on capability: Divvy covers Corporate cards, Invoicera covers Multi-entity billing.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Invoicera actually diverge.

Attributes where Divvy and Invoicera differ
AttributeDivvyInvoicera
Starting priceFree$50/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsWeb, Ios, Androidweb
Founded2016Unknown

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 Invoicera

  • Multi-entity billing
  • Recurring invoices
  • Approval workflows
  • Client portal
  • Project and time/milestone billing
  • Reconciliation workflows

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

Invoicera

  • Businesses managing invoicing across multiple legal entitiesnot Divvy
  • Organizations requiring multi-step invoice approvalnot Divvy
  • Agencies billing clients by project milestones or timenot Divvy
  • Companies needing a self-service client billing portalnot 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

Invoicera

  • Pricing quoted annually by default, with monthly billing costing roughly 20% more.
  • Add-ons for extra users, entities, and support increase the effective cost beyond base plans.
  • Advanced reconciliation workflows are locked behind the top Scale tier.
  • Interface and workflow complexity may be more than very small freelance businesses need.

Pricing, plan by plan

Divvy

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

Invoicera

$50/month
  • Operate$50/month
    • 1 entity
    • 3,000 invoices/year
    • 5 users
  • Grow$125/month
    • 3 entities
    • 12,000 invoices/year
    • 10 users
  • Scale$250/month
    • 10 entities
    • 48,000 invoices/year
    • 20 users
  • Enterprise$undefined/mo
    • Custom entities and limits
    • Implementation and dedicated account management
    • Custom integrations

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 Invoicera if

  • You need multi-entity billing.
  • You work on web.
  • You also want recurring invoices.
Invoicera review

Questions people ask

Is Divvy or Invoicera better?
Neither clearly leads. Divvy starts at Free and Invoicera at $50/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Invoicera?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $50/month for Invoicera.
Does Divvy or Invoicera run on more platforms?
Divvy runs on Web, Ios, Android. Invoicera runs on web.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Invoicera starts at $50/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 Invoicera is typically brought in for.
What can Divvy do that Invoicera cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Invoicera covers Multi-entity billing, Recurring invoices, Approval workflows, Client portal.

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
Invoicera: What does Invoicera cost?

Invoicera has four tiers: Operate at $600/year, Grow at $1,500/year, Scale at $3,000/year, and a custom-priced Enterprise plan, with monthly billing costing about 20% more.

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
Invoicera: Is there a free trial?

Yes, Invoicera offers a 14-day free trial of its Grow plan with no credit card required.

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
Invoicera: Can I add more users or entities to my plan?

Yes, add-ons are available including 5-packs of additional users, extra entities, priority support, and an integration operations pack.

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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