Softwr

Accounting · head to head

Divvy vs Mercury

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Mercury logo

Mercury

Accounting

Banking for startups

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Mercury treasury access requires a $250,000 balance held with Mercury
  • They diverge on capability: Divvy covers Corporate cards, Mercury covers Business checking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Mercury actually diverge.

Attributes where Divvy and Mercury differ
AttributeDivvyMercury
Pricing modelfreefreemium
Founded20162019

Identical on both: starting price (Free), free tier (Yes), 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
  • NetSuite
  • Oracle
  • PCI DSS

Only in Mercury

  • Business checking
  • Savings accounts
  • Virtual cards
  • Team management
  • API access
  • Xero
  • Stripe
  • FDIC insured

Both cover

  • QuickBooks
  • SOC 2
  • Web support
  • Ios support
  • Android support

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

Mercury

  • Business banking and payments for startupsnot Divvy
  • Managing treasury, invoicing and corporate cards from one accountnot 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

Mercury

  • Treasury access requires a $250,000 balance held with Mercury
  • Non USD international wires carry a 1% conversion fee
  • Choosing OUR wire coding, which covers intermediary bank charges, costs $15 per wire
  • ACH invoicing is $1 per transaction on Mercury Plus and only free on the $299 a month Pro plan
  • Advanced and recurring invoicing require Mercury Plus at $29.90 a month

Pricing, plan by plan

Divvy

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

Mercury

Free
  • Mercury (Free)Free
    • ACH payments
    • Domestic wires
    • Real-time payments
  • Mercury Plus$29.9/month
    • Invoice ACH debits
    • Recurring invoices
    • Invoicing API (500/month)
  • Mercury Pro$299/month
    • All Plus features
    • Relationship manager
    • Free ACH invoice debits

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 Mercury if

  • You need business checking.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want savings accounts.
Mercury review

Questions people ask

Is Divvy or Mercury better?
Neither clearly leads. Divvy starts at Free and Mercury at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Mercury?
Divvy starts at Free and Mercury at Free.
Does Divvy or Mercury run on more platforms?
Both run on Web, Ios, Android, so platform support will not decide this one for you.
Can I use Divvy for free?
Both have a free tier, so you can try either at no cost before committing.
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 Mercury is typically brought in for.
What can Divvy do that Mercury cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Mercury covers Business checking, Savings accounts, Virtual cards, Team management. Both handle QuickBooks, SOC 2, Web support, Ios support.

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
Mercury: Is Mercury business banking free?

Mercury's base banking tier is free and includes ACH payments, domestic wire transfers, real-time payments, Bill Pay, and QuickBooks/Xero automations at no monthly cost.

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
Mercury: What does Mercury Plus add beyond the free tier?

Mercury Plus costs $29.90 per month and adds invoice ACH debits, recurring invoice capabilities, invoicing API with 500 calls per month, unlimited 1099 filings, and access to partner benefits.

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
Mercury: Does Mercury charge monthly account fees?

No, Mercury states there are no minimum account balance requirements, overdraft fees, required monthly fees, or account opening fees. The free tier includes essential business banking, with paid tiers available for additional features.

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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