Softwr

Accounting · head to head

Divvy vs Tipalti

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Tipalti logo

Tipalti

Accounting

Global payables automation for modern finance teams

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; Tipalti complex implementation process requiring workflow restructuring around platform limitations
  • They diverge on capability: Divvy covers Corporate cards, Tipalti covers Supplier onboarding.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Tipalti actually diverge.

Attributes where Divvy and Tipalti differ
AttributeDivvyTipalti
Starting priceFreeOn request
Pricing modelfreeUnknown
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, API
Founded20162010

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
  • Oracle
  • Ios support
  • Android support

Only in Tipalti

  • Supplier onboarding
  • Invoice processing
  • Global payments
  • Tax compliance
  • Payment reconciliation
  • Sage Intacct
  • SOC 1
  • Api support

Both cover

  • QuickBooks
  • NetSuite
  • 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 Tipalti
  • Automating expense reports and receipt capturenot Tipalti
  • Syncing card spend into accounting softwarenot Tipalti

Tipalti

  • Payables automationnot Divvy
  • Global paymentsnot Divvy
  • Supplier managementnot 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

Tipalti

  • Complex implementation process requiring workflow restructuring around platform limitations
  • Reported payment processing issues including delays, failures, and poor customer service
  • Slow user interface performance when processing large payment volumes or moving between modules
  • Limited customization options and missing features like multi-bill selection and advanced reporting
  • Customer support response times slower than expected for larger teams without express membership upgrade

Pricing, plan by plan

Divvy

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

Tipalti

On request
  • Custom$undefined/month
    • Base platform fee
    • Transaction-based pricing
    • Payment volume scaling

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 Tipalti if

  • You need supplier onboarding.
  • You work on Web, API.
  • You also want invoice processing.
Tipalti review

Questions people ask

Is Divvy or Tipalti better?
Neither clearly leads. Divvy starts at Free and Tipalti at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Tipalti?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Tipalti.
Does Divvy or Tipalti run on more platforms?
Divvy runs on Web, Ios, Android. Tipalti runs on Web, API.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Tipalti 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 Tipalti is typically brought in for.
What can Divvy do that Tipalti cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Tipalti covers Supplier onboarding, Invoice processing, Global payments, Tax compliance. Both handle QuickBooks, NetSuite, SOC 2, PCI DSS.

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
Tipalti: What is Tipalti's pricing model?

Tipalti uses subscription-based pricing with a base platform fee plus transaction-based charges determined by payment volume, number of entities, and enabled modules. Custom pricing requires sales contact. Some users report monthly costs starting around $299.

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
Tipalti: How long is Tipalti's implementation timeline?

Technical implementation typically takes days, though due diligence and customization usually require several weeks. Full setup is faster than enterprise solutions requiring months.

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
Tipalti: What payment methods does Tipalti support?

Tipalti supports ACH, wire transfers, eChecks, PayPal, paper checks, and prepaid debit cards. Payees can select their preferred payment method.

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
Tipalti: Does Tipalti handle international payment compliance?

Yes, Tipalti tracks over 26,000 rules and conditions for international payment execution across 200+ countries and territories. All payees are screened against international blacklists to prevent payments to sanctioned entities.

Source
Tipalti: What security certifications does Tipalti maintain?

Tipalti maintains AICPA SSAE 16 SOC and ISAE 3402 Type II certifications. The platform uses SSL encryption, two-factor authentication, and role-based access controls.

Source
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