Divvy Review

Divvy Pay Inc.
Divvy Pay Inc.
Draper, UT
Deployment Model:
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Divvy At A Glance

Good: Ease of using and managing budgets and expenses, real-time visibility into expenses, Divvy Travel for finding deals and booking both business and personal travel.
Bad: The Divvy app can be buggy at times; not a full-fledged accounting solution, but it does integrate with most accounting software.
Bottom Line: Free budgeting and expense management tool that completely automates the expense reimbursement process while providing full visibility of transactions.

Product Overview

Divvy is a budgeting and expense tool that automates the expense management process. Each user receives a physical or virtual Divvy MasterCard for business expenses. The user simply requests approval from the finance team prior to swiping the card. Approvals are granted in real time. The finance team can manage all transactions at any time rather than waiting until month’s end.

With Divvy, the expense management process is completely automated. Employees won’t need to pay the initial funds out of pocket, fill out expense reports, or wait for reimbursement. The finance team won’t need to track down the employees to request more information.

Divvy has other benefits, such as:

  • Reduced risk of fraud and hacking, due to strong security features that include virtual cards with a unique 16-digit number
  • Reduced overspending and increased visibility into expenses with features that track what each user spends
  • No need to purchase a dedicated expense management solution as Divvy is free to use
  • Users can make payments anywhere MasterCard is accepted, even internationally

Divvy is also available as a mobile app for Android and Apple devices.


Expense management: Users can request specific funds from their manager or the finance team on a specific expense. The manager can then approve it by sending the requested funds to the user’s card. Managers also have the option of sending the funds to their team on a monthly basis for any recurring expenses. Users have the option of submitting photos of the receipts.

The manager and/or finance team has access to each employee’s transactions, such as the amount of money an employee has access to and how much money is spent. The finance team tracks each transaction as it comes in, such as pending or declined transactions.

Budget management: Managers can easily set up a budget in a few steps – they simply list a name for the budget, select the budget cycle (one-time or recurring), set a budget goal and designate budget owners’ and members’ access. Budgets can be set up by team, project or event. Managers can add or remove members and adjust their funds at any time.

There’s also a Forecast tab where managers can see how much funds are expected to be spent within the next month.

Virtual cards: Virtual cards are used for online purchases and company subscriptions. Each card has a unique 16-digit number that’s tied to the company’s account. There’s two types of virtual cards: burner cards (for one-time use) and subscription cards (for recurring use). Burner cards can be created by anyone with a Divvy account, while the subscription cards are created by the budget owner. The budget owner can create a virtual card, then freeze or delete it.

Divvy Travel: The Divvy Travel feature allows users to find deals on hotel accommodations and transportation. Users can also book both corporate and personal travel via the platform. Users can save up to 50% on travel costs compared to Expedia, Trivago and other competitive agencies.

Security: Divvy is certified as PCI (Payment Card Industry) compliant, and requires multi-factor authentication for logging into the account. Users can also log into their mobile app via fingerprint scanning or facial identification.

Target Market

Divvy is intended for all executives and employees in companies of all sizes and industries.

We don’t have a list of its customers; please contact Divvy directly if you’re looking for client references.

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New clients can sign up for Divvy via its online sign-up page and then designate specific employees as cardholders. The client will receive a physical Divvy MasterCard for each approved employee. The employees can also elect to use virtual cards in addition to a physical one.

Divvy integrates with most accounting software, such as Sage Intacct, Intuit QuickBooks, and Oracle NetSuite.

Customer Service & Support

The Divvy Help Center houses how-to videos, FAQs and articles. Users can type in specific queries for answers. Divvy also offers phone and email support.


There’s no cost to use Divvy – the company receives its revenue from interchange fees that’s paid by the specific merchant to MasterCard each time the user spends money using the Divvy app.

Divvy also offers premium add-ons like cash reimbursements ($5 per active user, per month) and implementation service (contact Divvy for a quote).


Some users have reported that the Divvy app can be buggy at times. Also, it’s a budgeting and expense tool, so it’s not a full-fledged accounting solution. However, Divvy integrates with most accounting solutions.


Divvy Pay Inc. Screenshot 1
Divvy Pay Inc. Screenshot 2
Divvy Pay Inc. Screenshot 3


Divvy Pay Inc. was founded in 2016 by co-founders Blake Murray and Alex Bean as the first free and automated budgeting and expense management platform. Its mission is to help companies completely get rid of manual expense reporting, while eliminating fraud and overspending.

Headquartered in Draper, UT, Divvy has over 360 employees. In 2021, it was acquired by Bill.com, an accounts payable solution company.

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Has a long ways to go...should still be in Beta.

on 2020-01-22 03:55:23

I have always been a pretty early adopter for new platforms and I have to say, DivvyPay should still be in Beta Mode.

The good:
- The virtual cards are BRILLIANT (1 of only 2 reasons I stay)
- The ease of classifications of transactions and how customizable they are, this a great thing for my accounting team! (2 of only 2 reasons I stay)
- The cards look nice
- Their customer service is responsive (They will not call you unless you are a new customer trying to get an account so do know that. There is no phone support after being a customer.)

The bad:
- The app is getting better, but still has very very limited features.
- The bill pay feature; run as fast as you can from this. I have a vendor that still has not been paid and I approved and funded the transaction over a month ago. Divvy has made this a manual process and they actually call ever vendor you add into the platform. They can’t call me for support - but sure will call my vendors. Every vendor I have tried this with has complained about how rude the people are who call and the turn around time is horrific. Stop calling my vendors - learn to do this via email or text like every other institute.
- Changing of banks - don’t do it. I am 5 days into this process with this very small task and it is still not complete. Again all manual. You call and request them to change your bank, they email you a form to fill out. Then you wait until they decide to email you a sign now document to fill out. Then you wait again. I have no idea what I am waiting for at this point. No follow up and nothing proactive unless you complain. Archaic. I have switched over every other service in a few clicks of a button - why can’t you all figure it out?
- Rewards - forget them. You can’t use them until you have been with the platform for a year. (No one tells you this when you sign up) and their prices are always more expensive then a simple google search. Plus they charge you a service fee every time you use the points on travel.
- The amount of excuses I get for their systems being subpar is amazing. I have never heard “well, we are still a start up and are trying to fix these issues. I don’t have a timeframe when they will be fixed, but it is in the pipeline” so many times from a company.

Divvy - you could be great. Really really great. But you have a long ways to go. I’m rooting for you, but looking for other options in the meantime. Stop spending advertising dollars and fix your issues.

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Divvy is excellent. Big time saver for our team.

on 2019-04-16 18:00:37

We love this product. We were using Concur for a year, and this is much better. No need to do reimbursements or expense reports anymore. It saves us a lot of time and hassle at the beginning of the month, trying to reconcile and close the books. Plus, it's free. Highly recommend it.