Softwr

Accounting · head to head

Divvy vs Maxio

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Maxio logo

Maxio

Accounting

Billing and financial reporting platform for B2B SaaS companies

From
$599/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; Maxio entry-level Grow plan starts at $599/month, making it costly for very early-stage startups.
  • They diverge on capability: Divvy covers Corporate cards, Maxio covers Usage-based billing.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Maxio actually diverge.

Attributes where Divvy and Maxio differ
AttributeDivvyMaxio
Starting priceFree$599/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsWeb, Ios, Androidweb, api
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 Maxio

  • Usage-based billing
  • Subscription management
  • Revenue recognition
  • SaaS metrics dashboards
  • Dunning and collections
  • Accounting and CRM integrations

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

Maxio

  • Billing for B2B SaaS companies with complex contractsnot Divvy
  • Usage-based and hybrid pricing meteringnot Divvy
  • GAAP/IFRS revenue recognition for finance teamsnot Divvy
  • SaaS metrics reporting for investors and boardsnot 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

Maxio

  • Entry-level Grow plan starts at $599/month, making it costly for very early-stage startups.
  • Pricing above the Grow tier requires a custom quote rather than transparent self-serve pricing.
  • Focused specifically on B2B SaaS billing, so it lacks general e-commerce checkout or consumer payment features found in platforms like FastSpring.
  • Advanced features like multi-entity support and expense amortization are gated behind paid add-ons.

Pricing, plan by plan

Divvy

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

Maxio

$599/month
  • Grow$599/month
    • For businesses up to $100k in monthly billings
    • Usage-based and recurring billing
    • Automated invoicing and dunning
  • Scale$undefined/month
    • For businesses over $100k in monthly billings
    • Advanced revenue management add-ons
    • Multi-entity support

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 Maxio if

  • You need usage-based billing.
  • You work on web, api.
  • You also want subscription management.
Maxio review

Questions people ask

Is Divvy or Maxio better?
Neither clearly leads. Divvy starts at Free and Maxio at $599/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Maxio?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $599/month for Maxio.
Does Divvy or Maxio run on more platforms?
Divvy runs on Web, Ios, Android. Maxio runs on web, api.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Maxio starts at $599/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 Maxio is typically brought in for.
What can Divvy do that Maxio cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Maxio covers Usage-based billing, Subscription management, Revenue recognition, SaaS metrics dashboards.

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
Maxio: What does Maxio cost?

Maxio's Grow plan costs $599/month for businesses with up to $100k in monthly billings. Businesses above that threshold need the Scale plan, which requires a custom quote from Maxio's sales team.

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
Maxio: Is there a free plan?

No, Maxio does not offer a free plan. The Grow plan at $599/month is the entry point, with unlimited users included at no extra cost.

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
Maxio: What does Maxio integrate with?

Maxio integrates with accounting systems like QuickBooks, Xero, and NetSuite, CRMs including Salesforce, HubSpot, and Pipedrive, and 20+ payment gateways alongside its own Maxio Payments.

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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