Softwr

Accounting · head to head

Lago vs Divvy

Lago logo

Lago

Accounting

Open-source billing infrastructure for usage-based models

From
Free
Rated
-
Full reviewWebsite
Divvy logo

Divvy

Accounting

Free expense management and corporate cards

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Lago free tier limited to 10,000 entities per month with 5M event cap; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Lago covers Real-time usage metering, Divvy covers Corporate cards.

Where they differ

Only the attributes on which Lago and Divvy actually diverge.

Attributes where Lago and Divvy differ
AttributeLagoDivvy
Pricing modelFreemium with optional paid tiersfree
PlatformsWeb, Cloud, Self-hosted, On-premise, VPCWeb, Ios, Android
FoundedUnknown2016

Identical on both: starting price (Free), free tier (Yes), 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 Lago

  • Real-time usage metering
  • Multiple pricing models
  • Automated invoicing
  • Prepaid credits
  • Entitlements
  • Multi-currency support
  • Payment orchestration
  • Revenue analytics

Only in Divvy

  • Corporate cards
  • Budget management
  • Expense tracking
  • Real-time visibility
  • Accounting sync
  • QuickBooks
  • NetSuite
  • Oracle

What people use each for

The jobs each tool is most often brought in to do.

Lago

  • Building usage-based billing for high-volume APIs and infrastructurenot Divvy
  • Implementing metered billing for AI and tokenized servicesnot Divvy
  • Creating subscription and hybrid pricing modelsnot Divvy
  • Managing multi-currency billing for global companiesnot Divvy
  • Maintaining billing infrastructure without vendor lock-innot Divvy

Divvy

  • Issuing corporate cards with pre-set budgets to employeesnot Lago
  • Automating expense reports and receipt capturenot Lago
  • Syncing card spend into accounting softwarenot Lago

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Lago

  • Free tier limited to 10,000 entities per month with 5M event cap
  • No specific pricing published for Pro annual plan or Scale plan
  • Self-hosted and on-premise deployments require engineering resources
  • Community support only on free tier
  • Scale plan requires annual contracts and sales engagement

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

Pricing, plan by plan

Lago

Free
  • Build (Free)Free
    • 10,000 managed entities per month
    • 5M usage events per month
    • 1K events per second rate limit
  • Pro$399/month
    • 10,000 entities included (graduated pricing to 100K)
    • 25M usage events included (to 500M with graduated rates)
    • 10K events per second (upgradeable to 100K)
  • Scale$null/custom
    • Custom entity and event volumes
    • 50K events per second (upgradeable to 100K)
    • RBAC and SSO (SAML)

Divvy

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

Which should you pick?

Choose Lago if

  • You need real-time usage metering.
  • You want to start without paying.
  • You work on Web, Cloud, Self-hosted, On-premise, VPC.
  • You also want multiple pricing models.
Lago review

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

Questions people ask

Is Lago or Divvy better?
Neither clearly leads. Lago starts at Free and Divvy at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Lago or Divvy?
Lago starts at Free and Divvy at Free.
Does Lago or Divvy run on more platforms?
Lago runs on Web, Cloud, Self-hosted, On-premise, VPC. Divvy runs on Web, Ios, Android.
Can I use Lago for free?
Both have a free tier, so you can try either at no cost before committing.
What is Lago best used for?
Lago is most often used for building usage-based billing for high-volume apis and infrastructure, implementing metered billing for ai and tokenized services, creating subscription and hybrid pricing models, managing multi-currency billing for global companies. Of those, building usage-based billing for high-volume apis and infrastructure and implementing metered billing for ai and tokenized services are not what Divvy is typically brought in for.
What can Lago do that Divvy cannot?
Lago covers Real-time usage metering, Multiple pricing models, Automated invoicing, Prepaid credits. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

Answered from the vendors’ own pages

Lago: Can I use Lago open-source for free?

Yes, Lago is open-source under the AGPLv3 license and can be self-hosted. The cloud-based Build plan is also free with limits of 10,000 entities and 5M events per month.

Source
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
Lago: What payment providers does Lago integrate with?

Lago integrates with Stripe and Adyen for payment processing. It is not a payment processor itself but orchestrates payments through these providers.

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
Lago: Does Lago support multiple currencies?

Yes, Lago supports multi-currency billing with automatic currency conversion for global businesses.

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
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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