Softwr

Accounting · head to head

Divvy vs Polar

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Polar logo

Polar

Accounting

Billing and revenue platform for AI and infrastructure companies

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; Polar percentage-based fees higher than some specialized processors for high-volume transactions
  • They diverge on capability: Divvy covers Corporate cards, Polar covers Usage Billing.

Where they differ

Only the attributes on which Divvy and Polar actually diverge.

Attributes where Divvy and Polar differ
AttributeDivvyPolar
Pricing modelfreePercentage of transaction plus per-transaction fee
PlatformsWeb, Ios, AndroidWeb, API
Founded2016Unknown

Identical on both: starting price (Free), free tier (Yes), 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 Polar

  • Usage Billing
  • Subscriptions
  • Seat Management
  • Prepaid Credits
  • Hosted Checkout
  • Cost Insights
  • Merchant of Record

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

Polar

  • Billing for token and API call consumption by LLM applicationsnot Divvy
  • Managing tiered pricing for infrastructure usage-based servicesnot Divvy
  • Handling subscription and usage hybrid modelsnot Divvy
  • Monetizing AI APIs with usage metering and creditsnot 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

Polar

  • Percentage-based fees higher than some specialized processors for high-volume transactions
  • Merchant of record model may not suit companies preferring direct payment control
  • Free Starter tier limited with 5% fees reducing appeal for production use
  • Setup and integration effort required despite API simplicity

Pricing, plan by plan

Divvy

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

Polar

Free
  • StarterFree
    • 5% + $0.50 per transaction
    • Free tier for testing
    • Basic features
  • Pro$20/month
    • 3.8% + $0.40 per transaction
    • Full platform access
    • Cost insights
  • Growth$100/month
    • 3.6% + $0.35 per transaction
    • Priority support
    • Volume benefits
  • Scale$400/month
    • 3.4% + $0.30 per transaction
    • Dedicated support
    • Custom integration

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 Polar if

  • You need usage billing.
  • You want to start without paying.
  • You work on Web, API.
  • You also want subscriptions.
Polar review

Questions people ask

Is Divvy or Polar better?
Neither clearly leads. Divvy starts at Free and Polar at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Polar?
Divvy starts at Free and Polar at Free.
Does Divvy or Polar run on more platforms?
Divvy runs on Web, Ios, Android. Polar runs on Web, API.
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 Polar is typically brought in for.
What can Divvy do that Polar cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Polar covers Usage Billing, Subscriptions, Seat Management, Prepaid Credits.

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
Polar: Do you handle international payments and taxes?

Yes, Polar acts as merchant of record in 100+ markets, handling payment processing, tax collection, and compliance automatically.

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
Polar: Is there a free tier?

Yes, the Starter plan is free and charges 5% + $0.50 per transaction, ideal for testing and early-stage development.

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
Polar: Do you offer discounts for startups?

Yes, the Startup Program provides the Scale plan free for 12 months for early-stage AI companies.

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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