Softwr

Accounting · head to head

Divvy vs Zeffy

Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite
Zeffy logo

Zeffy

Nonprofits

100% free fundraising platform for nonprofits

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; Zeffy revenue model relies entirely on donor voluntary tips with no guaranteed income
  • They diverge on capability: Divvy covers Corporate cards, Zeffy covers Donation forms.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Divvy and Zeffy actually diverge.

Attributes where Divvy and Zeffy differ
AttributeDivvyZeffy
CategoryAccountingNonprofits
Founded20162019

Identical on both: starting price (Free), pricing model (free), free tier (Yes), platforms (Web, Ios, Android), user rating (Not yet rated).

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 Zeffy

  • Donation forms
  • Event ticketing
  • Membership management
  • Peer-to-peer fundraising
  • Recurring donations
  • Mailchimp
  • Zapier
  • Facebook

Both cover

  • Web support
  • Android 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 Zeffy
  • Automating expense reports and receipt capturenot Zeffy
  • Syncing card spend into accounting softwarenot Zeffy

Zeffy

  • Donation collection for nonprofitsnot Divvy
  • Event ticketing with check-innot Divvy
  • Membership sales with tiersnot Divvy
  • Peer-to-peer fundraising campaignsnot Divvy
  • In-person payment with Tap to Paynot 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

Zeffy

  • Revenue model relies entirely on donor voluntary tips with no guaranteed income
  • All features included equally with no upgrade path for additional capabilities

Pricing, plan by plan

Divvy

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

Zeffy

Free
  • Free ForeverFree
    • Unlimited donations
    • Ticketing
    • Memberships

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 Zeffy if

  • You need donation forms.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want event ticketing.
Zeffy review

Questions people ask

Is Divvy or Zeffy better?
Neither clearly leads. Divvy starts at Free and Zeffy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Divvy or Zeffy?
Divvy starts at Free and Zeffy at Free.
Does Divvy or Zeffy run on more platforms?
Divvy runs on Web, Ios, Android. Zeffy runs on Web, IOS, Android.
Can I use Divvy for free?
Both have a free tier, so you can try either at no cost before committing.
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 Zeffy is typically brought in for.
What can Divvy do that Zeffy cannot?
Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Zeffy covers Donation forms, Event ticketing, Membership management, Peer-to-peer fundraising. Both handle Web support, Android 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
Zeffy: How much does Zeffy cost for nonprofits?

Zeffy is completely free for nonprofits. There are no platform fees, transaction fees, credit card processing fees, monthly subscriptions, or setup costs. Nonprofits retain 100% of funds raised.

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
Zeffy: How does Zeffy make money if it's free?

Zeffy relies on voluntary donor tips at checkout. On average, 2 out of 3 donors leave a tip. Tips are optional and donors can opt out, but Zeffy operates on this voluntary contribution model.

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
Zeffy: What nonprofit organizations can use Zeffy?

Schools, churches, sports teams, animal rescues, food banks, volunteer fire departments, arts organizations, and PTAs can all use Zeffy. Over 100,000 nonprofits globally use the platform.

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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