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
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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.

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