Softwr

Accounting · head to head

Divvy vs Yooz

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Yooz logo

Yooz

Accounting

AP automation for mid-sized finance teams, with unlimited users included in the subscription

From
$199/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; Yooz it is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
  • They diverge on capability: Divvy covers Corporate cards, Yooz covers Invoice capture.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Divvy and Yooz actually diverge.

Attributes where Divvy and Yooz differ
AttributeDivvyYooz
Starting priceFree$199/month
Pricing modelfreePer month by invoice volume
Free tierYesNo
Founded2016Unknown

Identical on both: platforms (Web, Ios, Android), 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 Yooz

  • Invoice capture
  • Automatic coding
  • Purchase order matching
  • Approval workflow
  • Fraud and duplicate detection
  • Payment initiation
  • Unlimited users
  • E-invoicing readiness

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

Yooz

  • A finance team with thirty occasional approvers that cannot justify per-seat AP automationnot Divvy
  • An accounting practice processing invoices on behalf of many client companiesnot Divvy
  • A French or European business preparing for mandatory electronic invoicing without buying an enterprise platformnot Divvy
  • A company losing early payment discounts because paper invoices sit in someone's tray for two weeksnot 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

Yooz

  • It is accounts payable only, with no requisitioning, sourcing or contract management, so procurement control has to come from somewhere else.
  • Pricing is published only as a starting point and the real number depends on invoice volume and connector requirements, so the advertised figure understates what most buyers pay.
  • Country compliance depth is strongest in France and francophone Europe; buyers needing many national e-invoicing mandates at once are better served by a vendor built for that.
  • Extraction accuracy on unusual supplier layouts still requires human correction, and the learning improves only with volume, so small-volume users see less benefit from the automation they are paying for.
  • ERP connectors vary in depth between accounting systems, and a shallow connector turns the promised straight-through posting into a periodic file export that someone has to run.

Pricing, plan by plan

Divvy

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

Yooz

$199/month
  • Entry$199/month
    • Unlimited users
    • Invoice capture, coding and approval workflow
    • Volume allowance applies
  • Volume tiers$undefined/month
    • Priced by monthly invoice volume
    • European mid-market typically €300 to €600 a month at 200 to 500 invoices
    • Purchase order matching and fraud detection

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 Yooz if

  • You need invoice capture.
  • You work on Web, iOS, Android.
  • You also want automatic coding.
Yooz review

Questions people ask

Is Divvy or Yooz better?
Neither clearly leads. Divvy starts at Free and Yooz at $199/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Yooz?
Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and $199/month for Yooz.
Does Divvy or Yooz run on more platforms?
Divvy runs on Web, Ios, Android. Yooz runs on Web, iOS, Android.
Can I use Divvy for free?
Yes. Divvy has a free tier, so you can try it without paying. Yooz starts at $199/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 Yooz is typically brought in for.
What can Divvy do that Yooz cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Yooz covers Invoice capture, Automatic coding, Purchase order matching, Approval workflow.

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
Yooz: How is it priced?

On monthly invoice volume, with unlimited users included. Entry pricing is around $199 a month, and European mid-market deployments commonly land at €300 to €600.

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
Yooz: Are there per-user charges?

No, and that is its main commercial advantage over competitors that meter approvers.

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
Yooz: Does it do procurement as well?

No. It automates accounts payable. Requisitions, sourcing and contracts need a separate system.

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
Yooz: Is it ready for European e-invoicing mandates?

Yes for France and francophone Europe in particular. For a wide multi-country mandate footprint, compare against a vendor built for that specific problem.

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