Divvy is a Bill company and business expense management solution that includes two main components: 1) physical and virtual charge cards and 2) expense and management software that tracks spend from those charge cards. This article is an overview of how Divvy works and some of the features you will experience as a Divvy customer.

How Divvy Works

Any business that wants to become a Divvy customer must first submit an application that provides some basic information about their business operations. Based on this application, the business will either be approved or denied for an unsecured line of credit. If approved, the business will be assigned a specific credit line that determines the amount they can spend using their Divvy cards.

Charge Card

Divvy transactions are made using charge cards. Charge cards can be used for business transactions in the same manner as other cards, as long as there are adequate funds assigned to the budget associated with the card. The full balance of your charge card must be paid in full at the end of the billing cycle. For all Divvy customers, payments are reported to the Small Business Finance Exchange and Dun & Bradstreet in order to update the business’ credit score. Credit utilization is not reported.

Divvy charge cards can easily scale with business growth as admins can send physical cards to each spender and create up to 100 virtual cards per budget. They can also apply for credit increases within the Divvy platform. There are no annual fees and the flexible rewards programs allow users to gain even more from spending smarter with Divvy. To help protect our customers, Divvy uses an advanced third-party platform to monitor transactions and prevent fraud incidents.

Physical Cards

When adding users to Divvy, admins can mail physical charge cards to each user that they can use for business expenses. Admins also assign users to budgets that designate how much they are able to spend. Spenders can quickly activate their charge cards from the Divvy mobile app. When transactions occur, admins can require spenders to upload receipts and/or make category selections to organize the transaction.

Learn more about Divvy physical charge cards.

Virtual Cards

In addition to physical cards, admins and spenders can also create as many virtual cards as they need in their Divvy account. Each virtual card includes a unique card number and security code and are convenient to use for recurring and online purchases. There are two types of virtual cards: member cards and vendor cards. Member cards can be used by budget members to spend from any funds assigned to them in a budget

Learn more about Divvy virtual charge cards.

Expense & Spend Management Software

All Divvy users can access the Divvy platform from a web browser or the Divvy mobile app. Divvy admins can easily view and manage transactions from all charge cards in their organization, send funds to spenders, and control settings of their account. Spenders can view and categorize their transactions, request funds, and create virtual cards.

Learn more about some of Divvy’s software features in the sections below.


Budgets allow Divvy admins to control how spend occurs with Divvy charge cards in their account. Customers can either monitor all spend within a single budget or create additional budgets to provide additional control over the various types of spending in their business. Budgets can be organized by team, department, project, event, or other expense purposes used by any organization. Each budget includes a limit that can be set to reset every month, quarter, or year. Admins can also add spenders and virtual cards that are tied to that specific budget.

Learn more about Budgets in Divvy.


From the Insights page, Divvy admins can view spend data within their account for a specific time period compared to a previous time period. These insights can be customized to view spend amounts for specific budgets, merchants, spenders, and custom fields.

Learn more about Insights.


Divvy has integrations with some of the most common accounting software options: QuickBooks Online, QuickBooks Desktop, NetSuite, and Sage Intacct. Through these integrations, Divvy admins can sync their transactions and custom field selections with objects in their accounting software, such as a chart of accounts, department, and location. Learn more about accounting integrations.

Admins can also integrate Divvy with a Slack instance to make requesting, sending, and approving funds more seamless for all users.


Divvy makes it easy to add, view, and manage all users within an account. From a user’s profile page, an admin can easily view account information, review transactions and budgets associated with that user, freeze physical cards, and request a new card.

Learn more about managing people in Divvy.


Even business transactions that occur without a Divvy charge card can be included in the Divvy platform by using reimbursements. Spenders can request reimbursement for mileage and out-of-pocket expenses. Admins can deny or approve these requests through the Divvy platform.

Learn more about reimbursements in Divvy.


Whether you are the administrator or a spender, you can view transactions relevant to you in real time in the Divvy platform. Spenders can complete recent transactions by completing required fields and uploading receipts from the app or a web browser. Admins can manage which transactions require approval depending on budget and/or amount criteria and easily review those transactions from their phone or laptop.

Learn more about transactions in Divvy.

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