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Software · head to head

Divvy vs Payoneer

Divvy logo

Divvy

Software

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Payoneer logo

Payoneer

Software

One account. Infinite opportunities.

From
$29/month
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; Payoneer an annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • They diverge on capability: Divvy covers Corporate cards, Payoneer covers Receive payments.

Where they differ

Only the attributes on which Divvy and Payoneer actually diverge.

Attributes where Divvy and Payoneer differ
AttributeDivvyPayoneer
Starting priceFree$29/month
Pricing modelfreeusage-based
Free tierYesNo
Founded20162005

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

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 Payoneer

  • Receive payments
  • Multi-currency accounts
  • Working capital
  • Mass payouts
  • Marketplace integrations
  • Amazon
  • Fiverr
  • Upwork

Both cover

  • PCI DSS
  • 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 Payoneer
  • Automating expense reports and receipt capturenot Payoneer
  • Syncing card spend into accounting softwarenot Payoneer

Payoneer

  • Receiving marketplace and platform payouts as a freelancer or sellernot Divvy
  • Holding receiving accounts in several currenciesnot Divvy
  • Paying suppliers and withdrawing to a local bank 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

Payoneer

  • An annual account fee of $29.95 USD applies if the account receives less than $6,000 USD in any 12 consecutive months
  • The Payoneer card carries a $29.95 USD annual fee and $12.95 USD for a replacement
  • Converting between Payoneer balances in different currencies costs 0.50%
  • Receiving into a non local currency receiving account costs 1%, minimum $1.00 USD
  • Receiving by credit card costs up to 3.99% plus $0.49 USD
  • Withdrawing to a bank in the recipient's local currency costs 1.2% to 4%
  • ATM withdrawals cost $3.15 USD plus up to 1.8%, rising to 3.5% when currency is converted
  • Card purchases requiring conversion cost up to 3.5%

Pricing, plan by plan

Divvy

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

Payoneer

$29/month
  • StandardFree
    • Receive payments
    • Multi-currency
    • Marketplace connections

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 Payoneer if

  • You need receive payments.
  • You work on Web, Ios, Android.
  • You also want multi-currency accounts.
Payoneer review

Questions people ask

Is Divvy or Payoneer better?
Neither clearly leads. Divvy starts at Free and Payoneer at $29/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Payoneer?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $29/month for Payoneer.
Does Divvy or Payoneer 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?
Yes. Divvy has a free tier, so you can try it without paying. Payoneer starts at $29/month.
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 Payoneer is typically brought in for.
What can Divvy do that Payoneer cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Payoneer covers Receive payments, Multi-currency accounts, Working capital, Mass payouts. Both handle PCI DSS, Web support, Ios support, Android support.
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