Divvy

• Free Expense Management Software and Credit Card
• Secure Credit Card
• Brand New Expense Management Features
• Positive Customer Reviews
• TripActions Travel Partnership

Free Expense Management Software and Credit Card

Divvy’s program services are entirely free. This means you do not have to pay anything to the company for access to all of its services. There are no per-user fees and no monthly subscriptions. Divvy makes an excellent option for businesses at any phase of development because it has no hidden charges or costs.

MasterCard issues Divvy's corporate credit card. When customers use a Divvy credit card to make a purchase, the vendor pays a fee to the bank and MasterCard. Divvy gets a portion of this fee, which is how the company makes a profit and allows customers access to this management platform for free. 

Secure Credit Card

Divvy's credit card has more protections than almost all credit cards in the industry. Divvy is PCI compliant, which means it follows the Payment Card Industry Data Security Standard. It hosts all of its data securely, so customers don’t need to worry about significant credit card schemes affecting their corporate card. As well, Divvy never sells its clients’ data.

Divvy has a virtual credit card, as well as a personal card for its users. With both types of cards, this company offers clients a card to work for any kind of online purchase or expense.

Divvy also has automatic fraud detection on all of its cards. Its multi-factor authentication protects your business’s sensitive information. Users can also sign in with their face or fingers.

Businesses owners can control who has access to view various budgets and information. Additionally, it does not allow employees or anyone to withdraw from an ATM or get cash back, which is another way that Divvy safeguards your company’s money.

Brand New Features

Divvy has lots of nice new features that simplify the expense management process and keep track of business funds. Users can access Divvy on a computer or a mobile phone with the Divvy Pay app. Divvy's mobile app works on iOS 10 and newer. It also is compatible with Android 5.0.1 and newer. The Divvy App does not cost anything on the App Store or Google Play Store.

Along with its mobile app, Divvy's software is compatible with any website browser.

With Divvy, it is easy to create a budget and add any employees to the budget. This tool helps managers track their team expenses and funds. Divvy tracks all of your business expenses and allows you or your team to store photos of receipts. It also follows any cost in real time and forecasts budgets for upcoming months. Users can update budgets, send money, and request cash at any time.

Divvy software is also useful for accounting and expense reporting. It will produce your company's expense reports and track these expenses, so your accountant has a clearer picture of how to get you a tax refund.

Divvy uses physical cards and allows users to create virtual cards for one-time uses or recurring uses. The card has bonus features for its use along with free access to its software. Divvy offers businesses discounts on travel and flexible rewards (including cash back) on all purchases. On average, Divvy can beat Hotels.com, Expedia, and all other large travel companies by 15%–50%. It can offer lower prices on tickets and hotels, making your company's travel expenses much cheaper. On top of discounts on travel, Divvy provides 1–7x rewards points on all expenditures, with the ability to ramp up rewards if you choose a faster billing cycle.

Positive Reviews

Divvy's platform enables the customer to have access to all of Divvy's tools and software, and it is simple and clear on how to use it. It doesn't charge you extra if your company begins using a different tool or service. Its clients have had only positive things to say because of this.

Divvy will first set up a free demo for businesses that are interested in its product. Its employees will personally answer any of your questions and help your team members step-by-step in setting up an account. Along with this, the representative will give your business a free $100 in your account for finishing the demo. These steps have helped customers tremendously and have made Divvy's customer experience be overall positive.

Customer service is also a strong point for Divvy; individuals can call their offices 24/7 and receive help with their account, assistance in setting up an account, or with just their questions. For those who don't want to wait on hold, Divvy has employees who are ready to chat back and forth with people in real time throughout the entire day.

Divvy sets clear expectations regarding its services. No hidden fees or costs have been reported, customers have been able to use the platform easily, and customers have primarily positive things to say.

TripActions Travel Partnership

For business trips, Divvy has partnered with TripActions to allow users to browse its listings for hotel, flight, and transportation bookings. Divvy's generous rewards program helps travelers share in savings by promoting cost-friendly accommodations.  Reports on travel spending are easily visible from Divvy's HR dashboard.

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• Only Available to Businesses
• Minimum Spending Requirement
• App Complaints

Only Available to Businesses

Divvy is designed to be used by businesses. It cannot be used by individuals to track personal expenses. This product works for any company from real estate agencies to law firms, but if you’re looking for an expense tracking tool for your own expenses, Divvy is not the best option for you.

Minimum Spending Requirement

Although this software is free, your company will need to use the Divvy Credit Card and spend $5,000 a month to use the software. For companies, this may be a small inconvenience but nothing more than that. By doing this, it gives you access to everything on Divvy's platform all for free.

App Complaints

Android users criticize the Divvy app for crashing frequently and functioning improperly, earning an average around 3 stars on the Google Play store. However, reviews from the Apple App Store average higher, in the 4-star range, and users experience less problems.

The Divvy app is not the only expense management solution to receive lower reviews on Google Play; a majority of EMS we've reviewed have received these complaints from Android users despite earning a more positive reception from Apple users.