Softwr

Accounting · head to head

Divvy vs Recurly

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Recurly logo

Recurly

Accounting

The subscription management platform built for growth

From
$249/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; Recurly starter is $249 a month plus 0.9 percent of billing volume above the first $40K, so the cost rises with revenue rather than with usage
  • They diverge on capability: Divvy covers Corporate cards, Recurly covers Subscription billing.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Recurly actually diverge.

Attributes where Divvy and Recurly differ
AttributeDivvyRecurly
Starting priceFree$249/month
Pricing modelfreesubscription
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, Api
Founded20162009

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 Recurly

  • Subscription billing
  • Revenue recovery
  • Payment gateway optimization
  • Analytics
  • API
  • Stripe
  • PayPal
  • Braintree

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

Recurly

  • Subscription billing and recurring invoicingnot Divvy
  • Dunning and failed payment recoverynot Divvy
  • Trials, plan changes and promotionsnot Divvy
  • Revenue recognition through the RevRec add-onnot Divvy
  • Shopify-native subscriptions with subscribe and savenot 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

Recurly

  • Starter is $249 a month plus 0.9 percent of billing volume above the first $40K, so the cost rises with revenue rather than with usage
  • All-Access is quoted at under 1 percent of billing volume with a $1M minimum, putting it out of reach of smaller merchants
  • Only one dunning campaign on Starter; multiple campaigns need All-Access
  • SSO, multicurrency and payments orchestration are All-Access only
  • Revenue recognition and the Engage churn tooling are separate add-ons at $850 and $1,600 a month

Pricing, plan by plan

Divvy

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

Recurly

$249/month
  • Starter$249/month
    • Automated global subscription billing
    • Flexible plans and static churn-prevention tools
    • 1 dunning campaign
  • All-Access$null/month
    • Everything in Starter plus AI-powered agents and analytics
    • Intelligent churn-prevention with multiple dunning campaigns
    • Advanced pricing and promotions
  • All-Access for Shopify$null/month
    • Intelligent churn-prevention and customized bundles
    • Subscribe and save, prepaid/gift subscriptions
    • Hybrid subscription support and cancel-save flows

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 Recurly if

  • You need subscription billing.
  • You work on Web, Api.
  • You also want revenue recovery.
Recurly review

Questions people ask

Is Divvy or Recurly better?
Neither clearly leads. Divvy starts at Free and Recurly at $249/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Recurly?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $249/month for Recurly.
Does Divvy or Recurly run on more platforms?
Divvy runs on Web, Ios, Android. Recurly runs on Web, Api.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Recurly starts at $249/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 Recurly is typically brought in for.
What can Divvy do that Recurly cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Recurly covers Subscription billing, Revenue recovery, Payment gateway optimization, Analytics. 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
Recurly: What does Recurly's Starter plan cost?

Recurly Starter plan costs 249 USD monthly plus 0.9 percent of billing volume, with the first 40000 USD monthly volume included in the base fee.

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
Recurly: What is the minimum commitment for Recurly's All-Access plan?

All-Access plans require a minimum 1 million USD annual commitment, billed annually at less than 1 percent of billing volume.

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
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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