Divvy
- Company typePrivate
- Founded2019
- HeadquartersDraper, United States
- Headcount251–500
- GTM typeB2B
- OfferingSoftware
Divvy firmographics
Firmographics- Name
- Divvy
- Legal name
- Divvy Pay LLC
- Website
- https://getdivvy.com
- Company type
- Private
- Founded year
- 2019
- Operating status
- Acquired
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Divvy industry classification
Industry- Product category
- Spend Management Software
- NAICS
- Credit Card Issuing (522210), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Prepackaged Software (7372), Personal Credit Institutions (6141), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Expense Management & Reimbursements Administration (BPACAIAH)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Expense Tracking & Financial Dashboards (FSAGADAB), Budgeting & Cash-Flow Management (FSAGADAA)
Keywords
Where Divvy is headquartered
LocationHeadquarters
- HQ city
- Draper
- HQ country
- United States
- HQ region
- North America
Markets served
Divvy business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Interchange Fees (Corporate Cards): The BILL Divvy Card generates interchange revenue on every card transaction. The platform is free to use for the card program, monetized primarily through interchange fees charged on spending volume — a standard model for corporate card issuers.
- Subscription / Platform Fees: BILL Spend & Expense (Divvy) platform is offered as part of BILL's integrated financial operations platform. Pricing is based on business needs and number of users, with quote-based / demo-driven pricing for custom plans.
- Payment Services & Transaction Fees: BILL handles large invoice payments via cards, earning transaction fees and interchange on top of standard processing — rewards and fees associated with payment processing on AP/AR workflows.
- Rewards Program: BILL Spend & Expense includes a rewards program (cash back, travel perks) funded by interchange revenue and passed partially back to cardholders, driving card adoption and spending volume.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | BILL Spend & Expense (Divvy) — Custom SMB Plan |
| Subscription | Monthly | Expense Management Tools Market Range (reference) |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Divvy product offering
Product offeringCore offering
Divvy provides AI-powered expense management software combined with corporate cards (BILL Divvy Card), real-time budget controls, automated receipt capture, and two-way accounting software synchronization. The platform targets small and midsize businesses (10-200 employees) with integrated spend management that eliminates expense reports and enforces budgets at the point of purchase.
Product overview
BILL Spend & Expense (formerly Divvy) is a unified spend management platform combining AI-powered expense management software with the BILL Divvy Card. The platform provides small and mid-market businesses (10-200 employees) with company cards, real-time budget controls, automated receipt capture, expense reporting, travel management, and business credit facilities. Divvy was acquired by Bill.com for $2.5 billion in May 2021 and rebranded under the BILL Holdings umbrella. The platform integrates with leading accounting software including QuickBooks, NetSuite, Xero, Sage Intacct, and Microsoft Dynamics through deep two-way syncs. AI capabilities include predictive fraud detection, autonomous reconciliation agents, and 95% accurate auto-categorization of transactions.
Differentiator
Problem solved
Functional benefit
Brands
- BILL Divvy Card: Corporate card offered through the BILL Spend & Expense platform, issued by Divvy Pay, LLC's bank partners.
Products and services
- BILL Spend & Expense AI-powered expense management platform combining corporate cards, real-time budget controls, automated receipt capture, expense reporting, travel management, reimbursements, and accounting software synchronization for small and mid-market businesses with 10 to 200 employees.
- BILL Divvy Card Corporate credit card offering smart, flexible spending with real-time tracking, flexible limits, instant visibility, customizable spending rules, and integration with the BILL Spend & Expense expense management platform. Issued by Divvy Pay LLC's bank partners.
- Business Credit Business credit facilities enabling access to funding for businesses with an easy online application process, integrated within the BILL Spend & Expense platform.
Quantifiable outcome
- Blocked more than 8 million attempted fraud attacks in fiscal year 2025
- +8 more outcomes
Companies that use Divvy
Customer profileNamed customers8 records
Segments7 records
Ideal customer profiles3 records
Divvy technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration19 records
AI capability8 records
Feature7 records
Divvy partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core.
- Bill.com (now BILL Holdings)coreBill.com acquired Divvy for $2.5 billion in May 2021 to expand into spend management with free corporate cards and real-time budget controls, creating an integrated financial operations platform for SMBs. The combined entity rebranded from Bill.com to BILL Holdings in February 2023.
- QuickBooks (Intuit)coreDeep two-way sync integration with QuickBooks Online, Pro/Premier, Enterprise, and Mac versions. Automatically syncs transaction data and expense categories to keep books accurate.
- Oracle NetSuitecoreDirect two-way sync integration with Oracle NetSuite, automatically or on demand, for seamless accounting and financial management alignment.
- XerocoreSeamless integration with Xero syncing transaction data and expense categories automatically to keep Xero-based books accurate.
- Sage IntacctcoreDeep integration with Sage Intacct providing automatic or on-demand sync of transaction data and expense categories for Sage-based finance teams.
- Microsoft DynamicscoreIntegration with Microsoft Dynamics (GP, 365 Business Central, AX, NAV, SL, 365 F&O) for seamless financial data sync across Microsoft-based enterprise environments.
- AcumaticacoreIntegration with Acumatica cloud ERP providing automatic or on-demand sync of transaction data and expense categories.
- Accounting Firm PartnerscoreBILL's Accountant Partner Program enables accounting firms to manage multiple SMB clients' bill pay and expense management through BILL's platform, with dedicated tools including the Accountant Console.
Scale indicators13 records
Recent moves6 records
Expansion highlights6 records
Divvy competitors and assessment
Company assessmentDirect peers
- Spendesk: European-headquartered spend management platform combining corporate cards, expense management, and invoice processing for SMBs and mid-market — comparable functionality to BILL Spend & Expense.
- Pleo: European SMB-focused corporate card and expense management provider with similar free-card-plus-paid-software monetization and SMB-first positioning.
- Ramp: Direct competitor in SMB corporate cards plus integrated spend management and bill pay. Targets the same 10–200 employee segment with a free-card-plus-interchange model and accounts payable automation, mirroring Divvy's core offering.
- Airbase: Spend management platform combining bill pay, virtual cards, expense management, and corporate cards. Targets mid-market and is widely benchmarked against BILL Spend & Expense (Divvy) in G2 spend management rankings.
- Expensify: Expense management software and corporate card provider for SMBs; overlaps on receipt capture, expense reporting, and card-based spend workflows, though historically lighter on integrated AP/AR.
- Brex: Direct competitor issuing corporate cards to SMBs and mid-market companies with embedded spend management, bill pay, and rewards. Competes head-to-head in the SMB + startup card-and-expense category.
Broad incumbents
- SAP Concur: Established enterprise expense management and travel platform within SAP — broader incumbent with overlapping expense and corporate-card capabilities, primarily serving larger enterprises but a frequent benchmark for the category.
- QuickBooks (Intuit): Dominant SMB accounting platform with its own payments and expense workflows; relevant because BILL Spend & Expense deeply integrates with QuickBooks but Intuit increasingly bundles spend/expense capabilities that could overlap.
- Coupa: Business spend management platform with corporate cards, expense, AP automation, and procurement — broader portfolio incumbent also widely compared against BILL Spend & Expense in analyst grids.
Emerging players
- Stitch: African payments integration and finance automation provider; useful as a regional/emerging peer in the broader SMB financial automation landscape where BILL's network effects are relevant comparables.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Divvy social profiles
Digital presenceDivvy financial estimates
Financial estimateRevenue estimate
Valuation estimate
Divvy leadership team
Management profileNumber of profiles
Profiles7 records
Divvy funding detail
Funding detailFunding overview
Funding rounds5 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Divvy M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Divvy
What does Divvy do?
Divvy provides AI-powered expense management software combined with corporate cards (BILL Divvy Card), real-time budget controls, automated receipt capture, and two-way accounting software synchronization. The platform targets small and midsize businesses (10-200 employees) with integrated spend management that eliminates expense reports and enforces budgets at the point of purchase.
Is Divvy a public or private company?
Divvy is a private company. It is classified as corporate owned and is currently acquired.
When was Divvy founded?
Divvy was founded in 2019. It employs 251 to 500 people.
Where is Divvy based?
Divvy is headquartered in Draper, United States, in the North America region.
How does Divvy make money?
Four revenue lines are on record. Interchange Fees (Corporate Cards) is the primary driver. The others are subscription / Platform Fees, payment Services & Transaction Fees and rewards Program.
Who are Divvy's main competitors?
Direct peers on record are Spendesk, Pleo, Ramp, Airbase, Expensify and Brex. Broad incumbents are SAP Concur, QuickBooks (Intuit) and Coupa. Stitch is listed as an emerging player.
Does Divvy have an API?
Yes. BILL offers an API that allows developers to build integrations and automate financial operations. The developer portal is available at developer.bill.com. API features are mentioned in the product navigation including AI and API sections. Developer documentation is at developer.bill.com/docs/home.
What industry is Divvy in?
Divvy's product category is Spend Management Software. Its primary akta.pro industry code is BPACAIAH, Expense Management & Reimbursements Administration, with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 522210 and its SIC code is 7372.