Accounting · head to head
Divvy vs RazorpayX
RazorpayX
Accounting
Indian business banking layer for current accounts, automated payouts, vendor payments and payroll
- From
- On request
- Rated
- -
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; RazorpayX everything is India specific, the rails, the currency, the statutory deductions and the filings, so a company that redomiciles or expands abroad gets no reuse and has to run a second banking and payroll stack in the new jurisdiction.
- They diverge on capability: Divvy covers Budget management, RazorpayX covers Current account.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Divvy and RazorpayX actually diverge.
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
- Budget management
- Expense tracking
- Real-time visibility
- Accounting sync
- QuickBooks
- NetSuite
- Oracle
- SOC 2
Only in RazorpayX
- Current account
- Payout API
- Bulk payouts
- Payout links
- Vendor payments
- Payroll
- Statutory filing support
- Escrow and connected accounts
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 RazorpayX
- Automating expense reports and receipt capturenot RazorpayX
- Syncing card spend into accounting softwarenot RazorpayX
RazorpayX
- An Indian marketplace settling thousands of seller payouts on a schedule that no bank portal can supportnot Divvy
- A startup running payroll for a growing team that needs provident fund, employee state insurance and tax deduction handled without an in house specialistnot Divvy
- A company paying many vendors monthly that needs tax deducted at source calculated and recorded against each paymentnot Divvy
- A product team that needs disbursements to happen from application code with webhook confirmation rather than from a treasury spreadsheetnot 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
RazorpayX
- Everything is India specific, the rails, the currency, the statutory deductions and the filings, so a company that redomiciles or expands abroad gets no reuse and has to run a second banking and payroll stack in the new jurisdiction.
- The current account is held with a partner bank while the interface and the relationship belong to Razorpay, so an escalation about the account itself can fall between two organisations and the deposit protection you have depends on the bank, not on the fintech.
- Indian payment fintechs are subject to active central bank intervention, and Razorpay itself spent a period unable to onboard new merchants following a regulatory direction, so single provider concentration for both collections and payouts is a live continuity risk rather than a theoretical one.
- Payouts carry per transaction charges beyond an included allowance and payroll is charged per employee, so a high volume settlement business or a company hiring quickly finds the running cost scales directly with the activity that made the product attractive.
- Support is largely ticket based and account management is reserved for larger accounts, so a failed high value payout or a payroll run that does not credit becomes a queue rather than a call, which is a poor position to be in on a salary date.
Pricing, plan by plan
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
RazorpayX
On requestNo published plan breakdown. See the RazorpayX review.
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.
Questions people ask
- Is Divvy or RazorpayX better?
- Neither clearly leads. Divvy starts at Free and RazorpayX at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Divvy or RazorpayX?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for RazorpayX.
- Does Divvy or RazorpayX run on more platforms?
- Divvy runs on Web, Ios, Android. RazorpayX runs on Web.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. RazorpayX 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 RazorpayX is typically brought in for.
- What can Divvy do that RazorpayX cannot?
- Divvy covers Budget management, Expense tracking, Real-time visibility, Accounting sync. RazorpayX covers Current account, Payout API, Bulk payouts, Payout links. 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%).
SourceRazorpayX: Is RazorpayX a bank?
No. The current account is provided by partner banks. RazorpayX supplies the interface, the payout automation and the payroll and compliance layer on top of it.
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%.
SourceRazorpayX: Can a company registered outside India use it?
No. It serves Indian registered entities, rupee accounts and Indian statutory requirements.
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.
SourceRazorpayX: Does the payroll module handle statutory compliance?
It calculates and supports the main statutory items, provident fund, employee state insurance, professional tax and income tax deduction, and assists with the periodic filings. Confirm the scope against your state specific obligations, since professional tax in particular varies.
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.
SourceRazorpayX: What happens to my payouts if there is a regulatory action against Razorpay?
That has happened before in the form of a restriction on onboarding new merchants. Existing customers continued, but the episode is the reason many businesses keep a bank relationship and a second payout route alive alongside it.
RazorpayX: Does it connect to accounting software?
It integrates with the Indian accounting tools most of its customers use, so payouts and payroll postings do not have to be rekeyed. Check your specific product rather than assuming, because coverage is narrower than for global ledgers.
RazorpayX: How is it priced?
A plan fee with included payout volumes, per transaction charges beyond that, and a per employee charge for payroll. Model your actual payout count rather than the plan headline, because that is where the cost lands.
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