Softwr

Accounting · head to head

Polar vs Divvy

Polar logo

Polar

Accounting

Billing and revenue platform for AI and infrastructure companies

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: Polar percentage-based fees higher than some specialized processors for high-volume transactions; Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
  • They diverge on capability: Polar covers Usage Billing, Divvy covers Corporate cards.

Where they differ

Only the attributes on which Polar and Divvy actually diverge.

Attributes where Polar and Divvy differ
AttributePolarDivvy
Pricing modelPercentage of transaction plus per-transaction feefree
PlatformsWeb, APIWeb, 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 Polar

  • Usage Billing
  • Subscriptions
  • Seat Management
  • Prepaid Credits
  • Hosted Checkout
  • Cost Insights
  • Merchant of Record

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.

Polar

  • Billing for token and API call consumption by LLM applicationsnot Divvy
  • Managing tiered pricing for infrastructure usage-based servicesnot Divvy
  • Handling subscription and usage hybrid modelsnot Divvy
  • Monetizing AI APIs with usage metering and creditsnot Divvy

Divvy

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

Where each one falls short

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

Polar

  • Percentage-based fees higher than some specialized processors for high-volume transactions
  • Merchant of record model may not suit companies preferring direct payment control
  • Free Starter tier limited with 5% fees reducing appeal for production use
  • Setup and integration effort required despite API simplicity

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

Polar

Free
  • StarterFree
    • 5% + $0.50 per transaction
    • Free tier for testing
    • Basic features
  • Pro$20/month
    • 3.8% + $0.40 per transaction
    • Full platform access
    • Cost insights
  • Growth$100/month
    • 3.6% + $0.35 per transaction
    • Priority support
    • Volume benefits
  • Scale$400/month
    • 3.4% + $0.30 per transaction
    • Dedicated support
    • Custom integration

Divvy

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

Which should you pick?

Choose Polar if

  • You need usage billing.
  • You want to start without paying.
  • You work on Web, API.
  • You also want subscriptions.
Polar 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 Polar or Divvy better?
Neither clearly leads. Polar 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, Polar or Divvy?
Polar starts at Free and Divvy at Free.
Does Polar or Divvy run on more platforms?
Polar runs on Web, API. Divvy runs on Web, Ios, Android.
Can I use Polar for free?
Both have a free tier, so you can try either at no cost before committing.
What is Polar best used for?
Polar is most often used for billing for token and api call consumption by llm applications, managing tiered pricing for infrastructure usage-based services, handling subscription and usage hybrid models, monetizing ai apis with usage metering and credits. Of those, billing for token and api call consumption by llm applications and managing tiered pricing for infrastructure usage-based services are not what Divvy is typically brought in for.
What can Polar do that Divvy cannot?
Polar covers Usage Billing, Subscriptions, Seat Management, Prepaid Credits. Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility.

Answered from the vendors’ own pages

Polar: Do you handle international payments and taxes?

Yes, Polar acts as merchant of record in 100+ markets, handling payment processing, tax collection, and compliance automatically.

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
Polar: Is there a free tier?

Yes, the Starter plan is free and charges 5% + $0.50 per transaction, ideal for testing and early-stage development.

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
Polar: Do you offer discounts for startups?

Yes, the Startup Program provides the Scale plan free for 12 months for early-stage AI companies.

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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