Accounting · head to head
Divvy vs Kodo
Kodo
Accounting
Corporate cards and intake to pay for Indian businesses
- 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; Kodo kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.
- They diverge on capability: Divvy covers Budget management, Kodo covers Purchase requests.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Divvy and Kodo 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 Kodo
- Purchase requests
- Invoice capture and matching
- Vendor payouts
- GST and TDS handling
- ERP integration
- Approval workflows
- Spend 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 Kodo
- Automating expense reports and receipt capturenot Kodo
- Syncing card spend into accounting softwarenot Kodo
Kodo
- An Indian startup replacing founder personal cards with issued cards carrying per employee limitsnot Divvy
- A finance team automating vendor payouts across NEFT, RTGS and UPI with maker checker approvalnot Divvy
- A company that needs GST compliant invoice coding flowing into Tally without rekeyingnot Divvy
- A business enforcing purchase requests and approvals before spend rather than reconciling it afterwardsnot 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
Kodo
- Kodo is not a licensed issuer, so card limits, settlement cycles and eligibility come from a partner bank whose terms you do not directly control and which can change the programme.
- Indian regulatory changes on prepaid instruments and card issuing partnerships have repeatedly disrupted fintech card programmes, so continuity risk is higher here than in equivalent European or United States products.
- Pricing is not published, so comparing Kodo against Happay, Zoho Expense or a bank corporate card requires a full sales cycle and disclosure of your spend volumes.
- Coverage is India only, so any group with overseas subsidiaries runs a second card and payables system and loses the consolidated view.
- The intake to pay workflow is lighter than a dedicated procurement suite, with limited contract management and supplier onboarding, so regulated or heavily audited buyers will find gaps.
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
Kodo
On request- Kodo$undefined/year
- Quoted per customer, no published rate card
- Card limits and settlement terms set by the sponsoring partner bank
- Payout volumes and payment rails may carry per transaction charges
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 Kodo if
- You need purchase requests.
- You work on Web, iOS, Android.
- You also want invoice capture and matching.
Questions people ask
- Is Divvy or Kodo better?
- Neither clearly leads. Divvy starts at Free and Kodo at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or Kodo?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Kodo.
- Does Divvy or Kodo run on more platforms?
- Divvy runs on Web, Ios, Android. Kodo runs on Web, iOS, Android.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. Kodo 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 Kodo is typically brought in for.
- What can Divvy do that Kodo cannot?
- Divvy covers Budget management, Expense tracking, Real-time visibility, Accounting sync. Kodo covers Purchase requests, Invoice capture and matching, Vendor payouts, GST and TDS handling. 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%).
SourceKodo: Who actually issues the cards?
A partner bank under a card network arrangement, not Kodo. Ask which bank, whether the product is credit or prepaid, and what happens to your limits if the partnership changes.
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%.
SourceKodo: Is pricing published?
No. Kodo quotes per customer, so benchmark against at least two Indian rivals before signing.
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.
SourceKodo: Does Kodo work outside India?
No meaningful coverage outside India for card issuing or payouts.
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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