Divvy vs. Zoho®

Divvy is a free and powerful finance tool that allows businesses of all sizes to set budgets, control spend, automate expenses, and access business credit—from one seamless platform. We offer the same features as Zoho®’s impressive suite, but we do it with a more unified and cost-free experience.

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browser displaying divvy budgets behind a divvy card and iphone displaying a transaction on the divvy app

See how Divvy and Zoho® compare.

Divvy Zoho® Expense & Finance Plus
Monthly price Free

Expense: $5/user

Finance Plus: $148/10 users

Automatic expense reporting Free $5/user
Receipt capture ✔️ Limited
Reimbursements* $5/user $5/user
Budget controls Free $5/user
Credit ✔️
Virtual cards ✔️
Cards for all users ✔️
Travel ✔️
Rewards ✔️
Learn more Learn more

*Learn more about our reimbursements add-on.

Divvy puts all your spend in one place, for less.

illustrated piggy bank

Budget controls make your financial goals a reality when no one can overspend.

illustrated divvy card

All users get corporate cards, access to virtual cards, and expense management software together.

illustrated green phone

Choose credit and rewards that are flexible for your business needs.

Manage your finances in a single platform.

“Since implementing Divvy, we have saved more than 20 hours each month in the finance department alone.”

William Duffy

Finance Manager at Alivation Health

Read the Alivation Health Case Study >

phone displaying divvy budgets on screen behind a physical divvy card

Why customers prefer Divvy.

4.6 stars/5

Divvy outranks Zoho in every feature category on G2.

4.7 stars/5

Capterra reviews highlight our excellent customer service.

8.9 stars/10

TrustRadius reviewers love the flexibility of switching between virtual cards and physical cards.

Divvy provides cards and software for free.

Tired of unclear pricing from other expense software solutions? Divvy is free for every business and does not require minimum usage. You can provide every employee with company cards and enforceable budgets—with no additional fees.

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laptop displaying divvy budgets behind a divvy card and iphone displaying the divvy wallet on the divvy app

No other card or software can do what Divvy does.

Enforceable budgets

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.

Real-time visibility

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.

Auto-categorized expenses

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.

Human support

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.