Expense management is largely a reactive approach to managing business expenses. Managing expenses is a delayed process that requires extensive time and resources to complete. Accountants and managers review the expenses submitted by employees, matching receipts to claims, and determining if the expense is eligible for reimbursement by the company. Join us as we compare Divvy with traditional expense management solutions in Divvy vs. Expense Management.

How does Divvy work?

Using Divvy’s free spend management platform, you can streamline your expense management process from swipe to books. We’re a smarter corporate card that helps your company stay within budget and builds expense reports as you go. Divvy lets you send and receive company funds anywhere, anytime, and even gives you the ability to issue virtual cards to team members in addition to physical cards.

Track your company expenses using the integrated expense software.


Divvy eliminates the need to file expense reports–a fundamental difference that sets us apart from conventional expense management. Every purchase, every dollar of company money gets categorized before the swipe of the credit card, and Divvy Live Reporting lets you see how it impacts the budget as a whole–in context. It also simplifies requesting and approving funds.

Divvy vs. expense management

When comparing Divvy vs. expense management, it’s traditionally reactive. You’re getting individual transactions from multiple spend sources, including corporate and personal credit cards, petty cash, and wire transfers. Oftentimes, you receive it all at once in a bulk report at month’s end in the form of stacks upon stacks of receipts. A reconciler or finance wizard sifts through it all and measures every line of spend against company policy, approves or denies reimbursement requests, asks for missing documentation, and puts it into some semblance of an intelligible report.

Divvy is proactive. It’s one spend source and instantaneous insight into every transaction without the need to request additional documentation. It’s all categorized and coded as spend happens, with Live Reports giving you an up-to-the-minute snapshot of expenditures by company, budget, team, category, or individual.

Real-time vs. Divvy live reporting

Expense management systems have thrown around the term “Real-Time” so much that it has lost its true meaning. Seeing transactions out of context is not real-time. Seeing individual receipts as employees enter them into the system is not automated. It’s manual and reactive. It’s about as real-time as hand-delivering a letter.

We saw the disconnect between what expense management companies say and what they do, and we knew there had to be a better way. That way is Divvy. That’s why we would bet on Divvy vs. expense management any day of the week, especially the last day of each month.

See for yourself

Using Divvy is free, so it’ all upside. With Divvy’s spend management platform, the time-consuming, manual aspects of common expense management programs, including so-called automated solutions can be dramatically reduced and virtually eliminated. Instead of managers and accountants waiting for employees to submit reports, then approving each one line by line, Divvy  spend management uses your policies and procedures to inform the approval process before spend happens. This corrects employee purchasing behavior at the spender level and eliminates the possibility for fraudulent claims or out-of-policy spend without prior approval.

About Divvy

We dug deep to create the world’s first free, fully-automated budgeting and expense management platform, and it gives you instantaneous visibility into company-wide spend. Born from loathing a truly broken process, Divvy turned that legitimate dislike into the catalyst to reinvent. Not even innovate: burn to the ground, salt the earth, and build something that works on new ground—from scratch.

Divvy is the first free and fully automated spend management platform. Schedule a demo today!

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