Softwr

Accounting · head to head

Divvy vs Tropic

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Tropic logo

Tropic

Accounting

Software procurement combining a workflow platform with human negotiators and price benchmarks

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; Tropic benchmark coverage is concentrated in commonly purchased SaaS, so a company whose spend is dominated by niche, vertical or regionally sold vendors buys intelligence that does not cover its actual contracts.
  • They diverge on capability: Divvy covers Corporate cards, Tropic covers Contract and renewal repository.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Divvy and Tropic actually diverge.

Attributes where Divvy and Tropic differ
AttributeDivvyTropic
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
Founded2016Unknown

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 Tropic

  • Contract and renewal repository
  • Price benchmarks
  • Negotiation support
  • Intake and approvals
  • Supplier alerts
  • AI consumption management
  • Redundancy analysis
  • Spend reporting

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

Tropic

  • A finance team facing a large renewal with a vendor that knows the market price better than they donot Divvy
  • A company whose AI spend is growing faster than anyone can explain and needs consumption measured against commitmentnot Divvy
  • An organisation that keeps paying for two products doing the same job in different departmentsnot Divvy
  • A lean procurement function that needs negotiation capacity without hiring specialist negotiatorsnot 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

Tropic

  • Benchmark coverage is concentrated in commonly purchased SaaS, so a company whose spend is dominated by niche, vertical or regionally sold vendors buys intelligence that does not cover its actual contracts.
  • Handing negotiation to a third party can damage a direct supplier relationship that a customer relies on for support and roadmap influence, which is a real cost not captured in a savings figure.
  • Claimed savings are measured against a counterfactual price nobody can verify independently, so the return on the subscription is difficult to audit after the fact.
  • Pricing is quoted and typically scales with spend under management, meaning the fee rises with the very software bill the product is meant to reduce.
  • It is focused on software and AI spend rather than general procurement, so it does not help with services, facilities or physical goods, which for many companies is the larger share of third-party spend.

Pricing, plan by plan

Divvy

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

Tropic

On request
  • Tropic$undefined/year
    • Contract repository, intake and renewal management
    • Access to price benchmark intelligence
    • Negotiation support from Tropic staff

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 Tropic if

  • You need contract and renewal repository.
  • You also want price benchmarks.
Tropic review

Questions people ask

Is Divvy or Tropic better?
Neither clearly leads. Divvy starts at Free and Tropic at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Tropic?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Tropic.
Does Divvy or Tropic run on more platforms?
Divvy runs on Web, Ios, Android. Tropic runs on Web.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Tropic 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 Tropic is typically brought in for.
What can Divvy do that Tropic cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Tropic covers Contract and renewal repository, Price benchmarks, Negotiation support, Intake and approvals.

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
Tropic: What am I actually buying?

Price intelligence and negotiation capacity, wrapped in a contract and renewal management tool. The benchmark data is the asset; the workflow is table stakes.

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
Tropic: Does it work for niche software?

Less well. Benchmarks are strongest on widely purchased SaaS. Ask for coverage on your top ten suppliers by spend before signing.

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
Tropic: Can I verify the savings?

Not independently. Savings are measured against an estimated market price, so treat the figures as directional and negotiate the fee accordingly.

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
Tropic: Does it cover non-software spend?

No. It is software and AI spend. Services, facilities and goods need a general procurement tool.

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