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          Small Businesses

          For those businesses are just getting started and have less history. Typically 1-20 employees.

          Midsize Businesses

          For those businesses who've been at it for a while, and are between 21-500.

        • INDUSTRIES


          For construction companies looking to streamline budgeting and expense management processes.


          For fast-paced software businesses that need a platform that can keep up with their growth.

          Accounting Firms

          For accounting firms to streamline the spend and expense management of your clients making life easier for you and them.

          E-commerce and Retail

          For e-commerce and retail companies that value uninterrupted advertising for their campaigns.


          For healthcare providers to increase control over their finances with minimal time investment.

        • OVERVIEW

          corporate card
          Business Credit

          Fast and flexible credit for businesses of all sizes. Apply for a credit line in minutes.

          spend management
          Spend Management

          Budgeting software that helps you take control of your budgets and spend smarter.

          expense management
          Expense Management

          Expense management software that helps to simplify and streamline your expenses.

          ap management
          AP Automation

          Intelligent accounts payable software that reduces time spent on AP by 50%.

        • FEATURES

          Virtual Cards

          Protect your business from fraud and overspending with Divvy virtual cards.


          Out-of-pocket expenses, card spend, and reimbursements all in one system.


          Every Divvy customer qualifies to earn rewards from their card spend.

          Credit Builder

          The pay-as-you-go program for businesses that need to build credit.

          Accounting Integrations

          Preserve your accounting processes with our built-in software integrations.

          Mobile App

          4.7/5 rated mobile app that brings budgets, virtual cards, and more into a single app.

          Reporting and Insights

          Catch abnormalities and keep your teams accountable with Divvy's reporting tools.

          Payments Services

          Streamline your payables process with Divvy's free vendor payment solution.

At Divvy, we’ve seen customers use virtual cards to spend smarter within their budgets. We wanted to see exactly which vendors were getting the most virtual business from our customers.

A virtual card is a unique 16-digit card number that’s digitally-generated and tied to your account. Virtual cards are typically used for online transactions (since you can’t really hand a virtual card to a cashier) and most often, these cards are tied to a specific budget or vendor.  

For example, if you have a monthly subscription to G Suite, you can set up a virtual card with recurring funds. Each month, your budget limit will reset so you always have enough to cover the cost of that vendor, but you won’t go over your limit.

fast and flexible business credit. get started.

Top virtual card purchases

We analyzed 1.5 million virtual card transactions from the last year and broke down our analysis by state to see which vendors were most popular regionally.

Here are the top virtual card vendors by state:

As expected, most of the names that showed up in our list were digital vendors. We predicted that Google and Facebook would pop up often (because of their popularity as online advertisers), but we were surprised by the landslide victory from Amazon. 

28 of the 50 states had Amazon as their most popular online vendor.

In California alone, our customers spent over $9 million dollars on Amazon in the year 2019—and that’s just on virtual cards. 

Which vendors surprised us

Google came in second, with seven states. Then, Facebook, with six, and we had a few stand alone entries as well:

  • Companies in Nevada, home to one of the country’s entertainment capitals, made the most virtual card purchases from Ticketmaster—$750,000 in virtual card spend on shows and concerts. 
  • In the midwest, two states (Nebraska and South Dakota) made the most virtual purchases from UPS. 
  • Even Upwork, a popular site for hiring freelancers, won the top seat in Kansas. But the Sunflower state wasn’t the only one using virtual cards to pay freelancers. Californian businesses spent close to $500,000 on Upwork using virtual cards and New York was close behind. 

Virtual card spend is still relatively small, but we’ve seen our customers fall in love with it. In 2019, virtual card share relative to total transaction volume increased by 15%—and we expect that increase to continue throughout 2020. 

About Divvy

Divvy is free expense management software paired with smart corporate credit cards. If you want to learn more about our product, we’d love to schedule some time to chat.

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