Softwr

Accounting · head to head

Divvy vs Vena Solutions

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Vena Solutions logo

Vena Solutions

Accounting

FP&A planning that keeps Excel as the front end and puts a database and workflow behind it

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; Vena Solutions vena publishes no pricing and contracts are modular, so two organisations of similar size can pay very different amounts and neither can benchmark without going through procurement.
  • They diverge on capability: Divvy covers Corporate cards, Vena Solutions covers Excel add-in interface.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Divvy and Vena Solutions actually diverge.

Attributes where Divvy and Vena Solutions differ
AttributeDivvyVena Solutions
Starting priceFreeOn request
Pricing modelfreequote
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb, Windows, Excel add-in
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 Vena Solutions

  • Excel add-in interface
  • Central multidimensional database
  • Workflow and approvals
  • Audit trail
  • Rolling forecasts
  • Close management
  • Power BI integration
  • ERP connectors

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

Vena Solutions

  • A finance team that wants governance and audit over budgeting but refuses to give up Excel formulasnot Divvy
  • Replacing a shared drive full of departmental budget workbooks with routed templates and tracked submissionnot Divvy
  • Consolidating actuals from more than one ERP into a single reporting set without a data warehouse projectnot Divvy
  • Running monthly rolling forecasts where the model is complex enough to need real spreadsheet logicnot 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

Vena Solutions

  • Vena publishes no pricing and contracts are modular, so two organisations of similar size can pay very different amounts and neither can benchmark without going through procurement.
  • Implementation services for data integration and template configuration typically make up a large part of first-year cost, often exceeding the licence, and that figure only appears in the proposal.
  • Excel dependency is structural: organisations on Google Workspace, or staff working only in a browser or on Chromebooks, cannot use the primary interface as intended.
  • Because it accepts existing spreadsheets, it can preserve years of undocumented logic and circular workarounds rather than forcing the clean-up that a rebuild on a purpose-built modelling tool would require.
  • Model performance degrades with very large dimensional models, so organisations that grow into genuinely large planning problems eventually hit the limits of the spreadsheet-first design and face a second migration.

Pricing, plan by plan

Divvy

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

Vena Solutions

On request
  • Vena Professional$undefined/year
    • Core planning platform and Excel add-in
    • Workflow, audit trail and version control
    • Standard support
  • Vena Complete$undefined/year
    • Everything in Professional
    • Power BI integration
    • Premium support and a customer success manager

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 Vena Solutions if

  • You need excel add-in interface.
  • You work on Web, Windows, Excel add-in.
  • You also want central multidimensional database.
Vena Solutions review

Questions people ask

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

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
Vena Solutions: Do we have to give up Excel?

No, that is the point of the product. Excel is the interface, backed by a central database and workflow.

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
Vena Solutions: Is pricing published?

No. Vena quotes per organisation based on users, modules and services.

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
Vena Solutions: How much is implementation?

It is quoted separately and commonly forms a large share of first-year cost. Get it itemised before comparing against Anaplan or Adaptive.

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
Vena Solutions: Does it work without Microsoft Office?

Not properly. The Excel add-in is the main working surface.

Share

Related pages

More on Divvy

More on Vena Solutions

Keep looking

Other head to heads