Divvy offers a no-cost alternative to SAP® Concur®—the expense, travel, and reimbursement platform. With budget limits and controls, Divvy makes it easy to manage employee spend. See every transaction as it happens and say goodbye to expense reports.
Request a demo to get started
See how Divvy and Concur® compare.*
|Monthly price||Free||$8/user (min. $994/yr)|
|Automatic expense reporting||✔️||✔️|
|Unlimited virtual cards||✔️||❌|
|Corporate cards for all users||✔️||❌|
|Access to credit||✔️||❌|
|Learn more||Learn more|
Divvy puts all your spend in one place—for less.
Unlike Concur®, the Divvy expense software platform is free for every business. Divvy makes money from interchange fees—which costs nothing to our customers—that’s how we’re able to provide a top-tier product that doesn’t cost you an arm and a leg.
Divvy customer support teams are known for their fast response times—no matter where you are or what you need. Plus, according to G2, Divvy is much easier to use than Concur®, so you may not need the support after all.
Divvy gives your team all the features they need, including corporate cards for every employee, unlimited virtual card creation, and total spend visibility. Plus, with flexible controls, admins can adjust employee spend as needed.
So why choose Divvy over Concur®?
Our expense software platform—including cards for all employees—is completely free. We now also offer reimbursements as part of the free platform.
No matter the size of your business, Divvy lets you create virtual cards, upload receipts, send funds, and book travel—all in one place.
Divvy makes money from interchange fees—which costs nothing to our customers. That’s how we’re able to provide a top-tier product that doesn’t cost you an arm and a leg.
How Divvy measures up to Concur®.
Reviewers on FinanceOnline say Divvy is “best for business travelers” and our platform’s pricing (which is free).
Solve your expense problems with Divvy.
The fact that the Divvy platform was for free, I had nothing to lose except my own time I would invest in that process. And so for me to be able to experiment with a couple of credit cards—at no cost for the company—to see if it actually works for our use cases, was a very easy and simple way to onboard and take these kinds of risks. Whereas, if I would have selected any of [Divvy’s] competitors, it would have taken months of negotiation for the contract. We would have an implementation team and we might spend a year or more to implement it worldwide.
Divvy can do more.
Create a common understanding of budgets. Start by making a budget, with admins and users, divvy out funds, and watch the spend roll in. With real-time tracking and spend controls, you’ll never go over budget again.*
Cards for every spender
Every employee can have their own card, and you control every card’s balance. That fosters trust between the finance teams and everyone else. For off-card purchases, Divvy supports painless reimbursements.
Every time a Divvy card is swiped, the transaction is visible to the spender, the budget owner, and the company admin—immediately. No more flying dark until everyone files their reports.
Streamline bill payments
Pay your bills and invoices faster. With Divvy’s AP Management, AP Processing just takes a few clicks: add your vendor, create a payment, and you’re done. We take care of the rest.
Vendor management with virtual cards
Create as many virtual cards as you need to manage online subscriptions. This keeps your real 16-digit card number protected, and gives you better control.
With Divvy, you’ll never have to do another manual expense report again. Say goodbye to piles of receipts and invoices. By distributing the burden of categorization to spenders, transactions are categorized at the point of spend.
User-friendly, multi-device app
Divvy’s app is intuitive—even beautiful—by design. And it functions the same across any device. We’ve removed friction by creating an easy-to-use app that trains your employees for you.
Seamless financial integrations
No matter what financial tech you’re using, Divvy plays nice. You can map custom fields to GL codes and save hours every month with our QuickBooks Online sync.
With a world-class support team that you can reach any time, you’ll always have help spending smarter. We’re available for chat, phone call, and even in-person onboarding.
See how much you can save with Divvy.
*SAP® Concur® is a federally registered trademark of Concur Technologies, Inc. and is one of many trademarks owned by Concur Technologies, Inc. Divvy is an independent SaaS provider; however is not affiliated with or endorsed by Concur Technologies, Inc. The use of Concur® on this page is merely to compare Divvy products with Concur Technologies, Inc’s products.
Attempted transactions over the budgeted amount would automatically be declined.