Softwr

Accounting · head to head

Divvy vs Mesh Payments

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Mesh Payments logo

Mesh Payments

Accounting

Virtual card and spend management platform aimed at SaaS and travel spend

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; Mesh Payments cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.
  • They diverge on capability: Divvy covers Corporate cards, Mesh Payments covers Per vendor virtual cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Divvy and Mesh Payments actually diverge.

Attributes where Divvy and Mesh Payments differ
AttributeDivvyMesh Payments
Pricing modelfreePer user per month
Founded2016Unknown

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
  • QuickBooks
  • NetSuite
  • Oracle
  • SOC 2

Only in Mesh Payments

  • Per vendor virtual cards
  • Physical and virtual employee cards
  • Subscription and renewal tracking
  • Receipt capture and matching
  • Approval workflows
  • Travel spend controls
  • Cashback programme

Both cover

  • Accounting sync

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

Mesh Payments

  • A software company trying to stop shadow SaaS renewals by giving every vendor its own capped cardnot Divvy
  • A finance team that wants receipts matched at the point of spend rather than chased at month endnot Divvy
  • A business issuing single use cards for contractor and agency payments with hard limitsnot Divvy
  • A team funding trip specific spend with a card that expires when the trip endsnot 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

Mesh Payments

  • Cashback only applies above a monthly spend threshold published at around fifty thousand dollars, so smaller programmes pay the per user fee and never see the rebate that justifies it.
  • Revenue depends on interchange, which means Mesh has a structural interest in card spend running through its rails and less incentive to support bank transfer or direct debit payment methods that many suppliers prefer.
  • Card issuing is limited to the entities and countries Mesh's issuing partners support, so groups with subsidiaries outside that footprint must run a second card programme and lose the single view they bought Mesh for.
  • The free Pro tier caps at three users, which is below the size at which spend control actually becomes a problem, so it functions as a trial rather than a usable plan.
  • It is a spend and card tool rather than an accounts payable system, so invoice heavy businesses still need a separate AP platform and end up reconciling two sources of supplier spend.

Pricing, plan by plan

Divvy

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

Mesh Payments

Free
  • ProFree
    • Up to 3 users
    • Virtual and physical cards
    • Receipt capture
  • Premium$13/month
    • Unlimited users
    • Approval workflows
    • Subscription management
  • Enterprise$undefined/month
    • Multi entity support
    • SSO and advanced controls
    • Custom approval hierarchies

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 Mesh Payments if

  • You need per vendor virtual cards.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want physical and virtual employee cards.
Mesh Payments review

Questions people ask

Is Divvy or Mesh Payments better?
Neither clearly leads. Divvy starts at Free and Mesh Payments at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Mesh Payments?
Divvy starts at Free and Mesh Payments at Free.
Does Divvy or Mesh Payments run on more platforms?
Divvy runs on Web, Ios, Android. Mesh Payments runs on Web, iOS, Android.
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 Mesh Payments is typically brought in for.
What can Divvy do that Mesh Payments cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Mesh Payments covers Per vendor virtual cards, Physical and virtual employee cards, Subscription and renewal tracking, Receipt capture and matching. Both handle Accounting sync.

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
Mesh Payments: Is the free plan really free?

Yes for up to three users, with cards and receipt capture included. Beyond three users you move to the paid tier.

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
Mesh Payments: How does Mesh make money on a thirteen dollar plan?

Interchange on card spend. The subscription is a minority of revenue, which is why the cashback programme has a monthly spend threshold attached.

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
Mesh Payments: Can Mesh replace our accounts payable process?

Not fully. It controls card spend well but invoice capture, supplier onboarding and payment runs are better served by a dedicated AP tool.

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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