Accounting · head to head
Divvy vs Medius
Medius
Accounting
Accounts payable automation and supplier payments for mid-market finance teams, Marlin Equity owned
- 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; Medius the sourcing, contract and procurement modules are considerably less developed than the AP core, so buying Medius as a full source-to-pay suite means accepting weak upstream tooling.
- They diverge on capability: Divvy covers Corporate cards, Medius covers Invoice capture and coding.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Divvy and Medius 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
- Corporate cards
- Budget management
- Expense tracking
- Real-time visibility
- Accounting sync
- QuickBooks
- NetSuite
- Oracle
Only in Medius
- Invoice capture and coding
- Matching and exception handling
- Fraud and anomaly detection
- Supplier payments
- Approval workflow
- ERP integration
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 Medius
- Automating expense reports and receipt capturenot Medius
- Syncing card spend into accounting softwarenot Medius
Medius
- A mid-market finance team where most spend arrives as an invoice with no purchase order to match againstnot Divvy
- A group with several legal entities on different ERPs that wants one AP process across all of themnot Divvy
- Reducing invoice fraud exposure with automated detection of supplier bank detail changesnot Divvy
- Replacing a scanning bureau and a shared AP inbox with automated capture and exception-based reviewnot 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
Medius
- The sourcing, contract and procurement modules are considerably less developed than the AP core, so buying Medius as a full source-to-pay suite means accepting weak upstream tooling.
- Pricing is quote-only and driven by invoice volume, so a business with many low-value invoices pays disproportionately relative to the spend being controlled.
- Payments are billed on transaction volume separately from the AP subscription, which is easy to omit from a cost comparison against a licence-only AP tool.
- Private equity ownership since 2017 has produced an acquisition-driven product line, so payments and adjacent capability come from bought-in technology rather than the original platform.
- ERP integration depth varies sharply by system, and organisations on less common or heavily customised ERPs face integration work that lengthens the implementation.
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
Medius
On request- Medius AP Automation$undefined/year
- Two packaged AP automation tiers
- Priced by invoice volume and entity count
- Sourcing, contracts and procurement modules sold separately
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.
Choose Medius if
- You need invoice capture and coding.
- You work on Web, iOS, Android.
- You also want matching and exception handling.
Questions people ask
- Is Divvy or Medius better?
- Neither clearly leads. Divvy starts at Free and Medius at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or Medius?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Medius.
- Does Divvy or Medius run on more platforms?
- Divvy runs on Web, Ios, Android. Medius runs on Web, iOS, Android.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. Medius 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 Medius is typically brought in for.
- What can Divvy do that Medius cannot?
- Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Medius covers Invoice capture and coding, Matching and exception handling, Fraud and anomaly detection, Supplier payments.
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%).
SourceMedius: Is Medius a procurement suite or an AP tool?
Primarily an AP automation platform with procurement modules attached. If sourcing is your main requirement, look elsewhere.
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%.
SourceMedius: Who owns Medius?
Marlin Equity Partners, which acquired it in 2017 and has funded several bolt-on acquisitions since.
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.
SourceMedius: How is it priced?
By quote, driven by invoice volume and entity count, with payments billed separately on transaction volume.
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.
SourceMedius: Does it replace our ERP?
No. It sits alongside the ERP and posts approved invoices into it.
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