Softwr

Accounting · head to head

Divvy vs Paddle

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Paddle logo

Paddle

Accounting

The complete payments infrastructure for SaaS

From
$5/percent_plus_transaction
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; Paddle paddle charges 5% plus 50 cents on every checkout transaction, which is well above a bare payment processor rate
  • They diverge on capability: Divvy covers Corporate cards, Paddle covers Payment processing.

Where they differ

Only the attributes on which Divvy and Paddle actually diverge.

Attributes where Divvy and Paddle differ
AttributeDivvyPaddle
Starting priceFree$5/percent_plus_transaction
Pricing modelfreetransaction
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, Api
Founded20162012

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 Paddle

  • Payment processing
  • Sales tax handling
  • Subscription management
  • Checkout
  • Revenue metrics
  • Stripe
  • PayPal
  • Various

Both cover

  • SOC 2
  • PCI DSS
  • Web 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 Paddle
  • Automating expense reports and receipt capturenot Paddle
  • Syncing card spend into accounting softwarenot Paddle

Paddle

  • Selling SaaS or digital products with a merchant of record handling taxnot Divvy
  • Global subscription billing and checkoutnot Divvy
  • Offloading sales tax and VAT compliance for cross border salesnot 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

Paddle

  • Paddle charges 5% plus 50 cents on every checkout transaction, which is well above a bare payment processor rate
  • The 50 cent fixed component falls heavily on low value sales, and products under $10 require custom pricing agreed with sales
  • Invoicing is not covered by the published rate and requires custom pricing
  • As a merchant of record Paddle sits between the seller and the customer, so payouts and tax handling run through Paddle rather than the seller's own processor

Pricing, plan by plan

Divvy

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

Paddle

$5/percent_plus_transaction
  • Pay-as-you-go$5/percent_plus_transaction
    • 5% + 50¢ per checkout transaction
    • Global payments and billing unified in one platform
    • Cross-border sales tax compliance
  • Custom Pricing$null/contact
    • All pay-as-you-go features
    • Custom pricing tailored to business model
    • Optional premium services access

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 Paddle if

  • You need payment processing.
  • You work on Web, Api.
  • You also want sales tax handling.
Paddle review

Questions people ask

Is Divvy or Paddle better?
Neither clearly leads. Divvy starts at Free and Paddle at $5/percent_plus_transaction, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Paddle?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $5/percent_plus_transaction for Paddle.
Does Divvy or Paddle run on more platforms?
Divvy runs on Web, Ios, Android. Paddle runs on Web, Api.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Paddle starts at $5/percent_plus_transaction.
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 Paddle is typically brought in for.
What can Divvy do that Paddle cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Paddle covers Payment processing, Sales tax handling, Subscription management, Checkout. Both handle SOC 2, PCI DSS, Web 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
Paddle: How much does Paddle charge per transaction?

Paddle charges 5% plus 50 cents per checkout transaction on their pay-as-you-go plan. Custom pricing is available for products under $10 or those requiring invoicing.

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
Paddle: Are there hidden fees with Paddle?

No. Paddle emphasizes all-in-one pricing with no hidden costs, migration fees, or monthly fees. The stated 5% plus 50¢ rate covers payments, billing, tax compliance, fraud protection, and support.

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
Paddle: Does Paddle offer custom pricing?

Yes. Paddle offers custom pricing arrangements for businesses with specific needs. Customers can contact Paddle directly to discuss custom pricing tailored to their business model.

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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