Softwr

Accounting · head to head

Divvy vs Ottimate

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Ottimate logo

Ottimate

Accounting

Invoice capture and accounts payable automation trained on food and beverage distributor formats

From
On request
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; Ottimate nothing is published about price, and quotes are structured by location and invoice volume, so a group with a few high-volume sites and one with many low-volume sites can receive very different numbers for the same total spend
  • They diverge on capability: Divvy covers Corporate cards, Ottimate covers Line-item invoice capture.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Divvy and Ottimate actually diverge.

Attributes where Divvy and Ottimate differ
AttributeDivvyOttimate
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
Founded2016Unknown

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 Ottimate

  • Line-item invoice capture
  • GL coding
  • Approval routing
  • Supplier payments
  • Price change alerts
  • Purchase order matching
  • Digital invoice retrieval

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

Ottimate

  • A 40 site restaurant group whose bookkeepers key distributor invoices line by line to track food costnot Divvy
  • An operator that wants to know within a week when a supplier raises the price of an item outside the contracted schedulenot Divvy
  • A hotel group standardising accounts payable approvals across properties that each have their own general manager sign-off rulesnot Divvy
  • A finance team migrating from paper invoice files that needs digital retrieval from supplier portals rather than chasing branches for copiesnot 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

Ottimate

  • Nothing is published about price, and quotes are structured by location and invoice volume, so a group with a few high-volume sites and one with many low-volume sites can receive very different numbers for the same total spend
  • The line-item extraction advantage is trained on food and beverage distributor formats, so accuracy on long-tail suppliers, service invoices and one-off vendors falls back to general OCR and needs human review
  • It is an accounts payable layer, not an inventory or recipe costing system, so operators still need Restaurant365 or an equivalent for true plate costing and the value depends on that integration behaving
  • The company has rebranded once already from Plate IQ, and much of the third party comparison material still uses the old name or wrongly attributes it to AvidXchange, which makes independent due diligence unusually hard
  • Payment execution through the platform introduces a dependency on Ottimate for supplier relationships, and moving away later means re-establishing payment details with every vendor rather than simply exporting data

Pricing, plan by plan

Divvy

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

Ottimate

On request
  • Ottimate$undefined/year
    • Quoted by location count and invoice volume
    • Payment rails may carry separate transaction charges
    • Implementation and accounting system integration scoped 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.
Divvy review

Choose Ottimate if

  • You need line-item invoice capture.
  • You work on Web, iOS, Android.
  • You also want gl coding.
Ottimate review

Questions people ask

Is Divvy or Ottimate better?
Neither clearly leads. Divvy starts at Free and Ottimate at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Ottimate?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Ottimate.
Does Divvy or Ottimate run on more platforms?
Divvy runs on Web, Ios, Android. Ottimate runs on Web, iOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Ottimate 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 Ottimate is typically brought in for.
What can Divvy do that Ottimate cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Ottimate covers Line-item invoice capture, GL coding, Approval routing, 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%).

Source
Ottimate: Is Ottimate owned by AvidXchange?

No. Ottimate is the rebranded Plate IQ and operates as an independent venture-backed company. AvidXchange is a competitor, not the parent.

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
Ottimate: What was it called before?

Plate IQ. The company kept the same product and renamed it Ottimate.

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
Ottimate: Does it work outside restaurants?

It will process any invoice, but the line-item extraction accuracy that justifies the price is tuned to food and beverage distributors. Other industries should test carefully before committing.

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
Ottimate: Does it replace Restaurant365?

No. It handles invoice capture, approval and payment. Recipe costing and restaurant-specific inventory stay in Restaurant365 or an equivalent.

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