Softwr

Accounting · head to head

Divvy vs Payhawk

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Payhawk logo

Payhawk

Payroll

Modular spend management combining corporate cards, accounts payable, procurement and travel

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; Payhawk buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.
  • They diverge on capability: Divvy covers Budget management, Payhawk covers Accounts payable automation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Divvy and Payhawk actually diverge.

Attributes where Divvy and Payhawk differ
AttributeDivvyPayhawk
Starting priceFreeOn request
Pricing modelfreePer module per month
Free tierYesNo
CategoryAccountingPayroll
Founded2016Unknown

Identical on both: platforms (Web, Ios, Android), user rating (Not yet rated).

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

  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle
  • SOC 2

Only in Payhawk

  • Accounts payable automation
  • Procurement module
  • Travel booking
  • ERP integrations
  • Multi-entity consolidation

Both cover

  • Corporate cards

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

Payhawk

  • A multi-entity European business wanting one system for cards, expenses and payables across currenciesnot Divvy
  • A finance team that wants to price spend management before a sales call rather than negotiating blindnot Divvy
  • A company wanting only accounts payable automation without paying for card issuing it does not neednot Divvy
  • A mid-market business standardising ERP-integrated expense reporting ahead of a fundraise or auditnot 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

Payhawk

  • Buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.
  • The unlimited-seats model is a poor fit for a company issuing cards to only a handful of employees, since the fixed module price does not scale down.
  • Card issuing depends on Payhawk's own banking partners rather than a company's existing bank, so switching away later means reissuing cards and re-training staff on a new tool.
  • Procurement is a separate paid module rather than a built-in feature, so a company evaluating "Payhawk" from marketing material may be looking at capability it has not actually bought.
  • International card acceptance and FX handling vary by market, and companies with material spend outside Europe report gaps compared to global card issuers.

Pricing, plan by plan

Divvy

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

Payhawk

On request
  • Travel$299/month
    • Integrated travel booking
    • Unlimited employee seats
  • Accounts Payable$349/month
    • Invoice capture and approval routing
    • Unlimited document processing
  • Cards and Expenses$449/month
    • Unlimited card transactions
    • Multi-entity expense management
  • Procurement$499/month
    • Purchase request and approval workflow
    • Vendor management

Which should you pick?

Choose Divvy if

  • You need budget management.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want expense tracking.
Divvy review

Choose Payhawk if

  • You need accounts payable automation.
  • You work on Web, iOS, Android.
  • You also want procurement module.
Payhawk review

Questions people ask

Is Divvy or Payhawk better?
Neither clearly leads. Divvy starts at Free and Payhawk at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Payhawk?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Payhawk.
Does Divvy or Payhawk run on more platforms?
Divvy runs on Web, Ios, Android. Payhawk runs on Web, iOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Payhawk 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 Payhawk is typically brought in for.
What can Divvy do that Payhawk cannot?
Divvy covers Budget management, Expense tracking, Real-time visibility, Accounting sync. Payhawk covers Accounts payable automation, Procurement module, Travel booking, ERP integrations. Both handle Corporate cards.

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
Payhawk: Is Payhawk pricing really public?

Yes, module pricing (Travel, Accounts Payable, Cards and Expenses, Procurement) is published starting at 299 to 499 dollars a month per module, or bundled as Payhawk Complete.

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
Payhawk: Does it charge per seat?

No, each module includes unlimited employee seats; the fixed monthly fee does not increase with headcount.

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
Payhawk: Can we buy just one module?

Yes, modules are sold separately, so a company can buy Accounts Payable without Cards or Procurement.

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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