Brex vs. Divvy Comparison


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		Related Products Wallester Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control. 271 Ratings Visit Website Rippling Streamline your business with Rippling’s all-in-one platform for HR, IT, payroll, and spend management. Effortlessly manage the entire employee lifecycle, from hiring to benefits administration. Automate HR tasks, ensure compliance, and streamline approvals. Simplify IT with device management, software access, and compliance monitoring, all from one dashboard. Enjoy timely payroll, real-time financial visibility, and dynamic spend policies. Rippling empowers your business to save time, reduce costs, and enhance efficiency, allowing you to focus on growth. Experience the power of unified management with Rippling today. 20,776 Ratings Visit Website Paylocity Paylocity delivers the most innovative technology bringing HR, payroll, and IT together in one modern, easy-to-use platform to empower teams, simplify processes, and deliver real results. The platform enables businesses to manage payroll, benefits, employee engagement, and other core HR functions while also managing non-payroll spend, including expenses, account payable, corporate cards, procurement, and headcount planning. Paylocity's integrated platform includes mobile access, workflow automation, seamless third-party integrations, and real-time insights that help businesses manage employees and business operations more effectively. Paylocity also provides dedicated customer support, implementation services, and scalable solutions designed to meet the needs of growing businesses and enterprise organizations. 8,082 Ratings Visit Website Fraxion Fraxion is an all-in-one procure-to-pay solution built for mid-market companies. It enables complete spend management by automating procurement, accounts payable, expense management, and spend analysis on a single connected platform. Key capabilities include requisition to PO automation, real-time budget and policy controls, multi-level approvals, PunchOut, catalog purchasing, AI-driven AP automation and spend analysis, payments, and a mobile app for on-the-go spend control. Every transaction produces a full audit trail from requisition to payment. Fraxion is designed for the Office of the CFO. Finance teams start with the solution they need most, procurement or AP automation and expand to full procure-to-pay without reimplementation. SOC 2-compliant. Integrates with major ERP and accounting systems: Sage, Microsoft Dynamics, NetSuite, QuickBooks, and Xero. Trusted by mid-market organizations across healthcare, life sciences, agriculture, education, natural resources for over 20 years. 195 Ratings Visit Website Melio Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go. 2,212 Ratings Visit Website Gemini Credit Card The Gemini Credit Card® offers a unique way to earn crypto rewards on every purchase, with instant deposits to your Gemini account. Users can earn up to 4% back on gas, 3% on dining, and 2% on groceries, along with 1% on everything else. With no annual or foreign transaction fees, it’s the perfect tool for both everyday spending and crypto investment. Rewards are automatically deposited in your chosen cryptocurrency (BTC, ETH, or over 50 other cryptos), and the card features security-first design with a sleek metal build available in black, silver, or rose gold. 2 Ratings Visit Website Setyl Setyl is an IT asset and license management platform (ITAM) that combines hardware and software asset management in one. The platform integrates with 100+ systems, including Microsoft, Google, MDM, RMM, IAM, SSO, HR, helpdesk tools, and more. Use Setyl to gain full visibility and control over your IT assets, SaaS applications, software licenses, users, vendors, and spend in one place — helping you: ✓ Automate and scale daily IT operations, including inventory management and user on/offboarding. ✓ Identify and cut wasted IT spend. ✓ Prepare for audits and stay compliant, including with SOC 2 and ISO 27001. With an intuitive interface, native integrations, and one-on-one support at every step, the platform is fast to deploy, easy to use, and built for collaboration. Features include: IT asset and license inventory, full asset lifecycle management, software renewal management, license rightsizing, employee onboarding and offboarding, vendor audits, and spend tracking. 48 Ratings Visit Website Nexo Nexo is a premier digital assets wealth platform designed to empower clients to grow, manage, and preserve their crypto holdings. Our mission is to lead the next generation of wealth creation by focusing on customer success and delivering tailored solutions that build enduring value, supported by 24/7 client care. Since 2018, Nexo has provided unmatched opportunities to forward-thinking clients in over 200 jurisdictions. With over $7 billion in AUM and $320 billion processed, we bring lasting value to millions worldwide. Our all-in-one platform combines advanced technology with a client-first approach, offering high-yield flexible and fixed-term savings, crypto-backed loans, sophisticated trading tools, and liquidity solutions, including the first crypto debit/credit card. Built on deep industry expertise, a sustainable business model, robust infrastructure, stringent security, and global licensing, Nexo champions innovation and long-lasting prosperity. 18,666 Ratings Visit Website Square Payments Accept every payment quickly, easily, and securely. Easily accept card payments—no matter if you’re selling on the go or at your store. Streamline the way you create, send, and track your invoices. Customer not there in person? Take remote credit card payments over the phone or from your computer, and get paid fast. Create and grow your online store, and seamlessly accept online payments with Square. We make accepting cards as fast, painless, and secure as possible. There are no extra fees, no long term contracts, and no tricks. Just fast, secure payments you can depend on. 10,139 Ratings Visit Website EBizCharge EBizCharge is the leading embedded payments application for businesses to accept payments directly inside QuickBooks, Microsoft Dynamics, NetSuite, SAP, Acumatica, and 100+ other business systems. Trusted by 20,000 companies and voted best fintech solution by the Globee® Awards, EBizCharge combines modern billing tools with integrated payment processing to help B2B companies get invoices paid faster, eliminate manual work, and keep payment data automatically synced to their ERP. Companies use EBizCharge to: ◉ Accept credit card, debit card, and ACH payments natively in their ERP, CRM, or shopping cart ◉ Automate billing and reconciliation to save time and reduce errors ◉ Speed up collections with easy billing tools: payment links, online customer portal, recurring billing, saved cards, and more ◉ Reduce risk with enterprise-grade security certified by the PCI-Security Council: PCI-compliance, encryption, and tokenization 207 Ratings Visit Website
About Financial software and services to fuel your growth. Brex lets you send free ACH and wires worldwide, get higher card limits, earn money-saving rewards, and track expenses easily. Built for the ones who do things differently. Scale faster by combining your deposits, spend and controls in one account. That’s the power of all-in-one finance. From employee purchases to paying vendors to accounting, expense tracking is built right in. Email or text us your receipts. We'll match them to the right expenses. Easily sync expense data across systems to automate reconciliation. Run custom spend reports to easily find cost-saving opportunities. Issue cards, search transactions, approve or follow up, and more—in one place. Create unique cards with custom limits for each subscription, vendor, and employee. All for free. Set custom limits and give users approved ways to spend for specific items, such as training or WFH snacks.	About Divvy has combined seamless expense management software with business cards so you never have to process another expense report. With Divvy, you can leverage faster expense reporting, enforceable budgets, and a single platform to offer real-time visibility into all spend. Ready to gain more control and streamline your spend management—in a one-stop, easy-to-use platform? Get Divvy today to empower your team and save everyone time (including yourself). Divvy provides their customers with a strong credit line and makes going over budget literally impossible. Put a stop to painful expense resorts and simplify the AP process with Divvy—all for free.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported	Platforms Supported Windows Supported Mac Supported Linux Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported
Audience Companies of all sizes that need a credit card, spend management, and business account solution	Audience Startups, Small Business, Mid-Market & Enterprise companies. Divvy is for everyone.
Support Phone Support Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Supported 24/7 Live Support Supported Online Supported
API Offers API Supported	API Offers API Not Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing $5 one-time payment Free Version Supported Free Trial Not Supported	Pricing Free Free to use for every company. Free for every user. Free Version Supported Free Trial Supported
Reviews/Ratings Overall 5.0 / 5 ease 5.0 / 5 features 5.0 / 5 design 5.0 / 5 support 5.0 / 5 Read all reviews	Reviews/Ratings Overall 4.8 / 5 ease 4.8 / 5 features 4.7 / 5 design 4.7 / 5 support 4.7 / 5 Read all reviews
Pros & Cons from Real Users Pros Brex offers a seamless user experience from signup, bill pay, expense management, reimbursements, rewards and more. It beats my previous traditional bank on every metric. Also, its free which is hard to beat. I love how easy they made it to order multiple debit cards and track the expenses across each of them. One of my favorite features of Brex is how easy they make tracking receipts. With the app, I just snap a photo of every receipt and it saves it with the transaction. Their QuickBooks integration also helped a lot with running my business. Another feature that made them unique is the amount of benefits you get right when you sign on. They have a ton of discounts that are very relevant for someone starting a new business from a quickbooks discount to apple product discount and what seems like 50 other great discounts. Cons The only issue I've run into with Brex was that they do not have an option for cashier's checks. They do allow you to send checks in the mail which is nice, but there was one situation that I needed a proper cashiers check so I had to go to an old school bank to handle that. Everything else has been great.	Pros & Cons from Real Users Pros Valuable product that helps build business credit! Offers many good benefits and services that will help establish credit. Simplified our spending and tracking. They really listen to our thoughts, troubles and suggestions. Love that it's all in one place. They have a great service, perfect customer service, amazing virtual cards. I can generate a large amount of virtual cards. The app is really good and working properly so I can use when I want. Divvy have been Simple, Elegant and Agile. So far the best service ever. When I found about this card and it’s ability to build credit I was sold. The application process was quick and the features have been easy to understand. The setup of the website has been straightforward. Being able to fund your account with what you want is great. This card has been easy to use. I really like the ability to create different cards and budgets for vendors as it creates better organization. The app is great and has the same functionality as going on the website. Cons You have to meet certain requirements to qualify. New company so working out kinks and bugs customer service was hard to get ahold of for a while but works better now. They did not say to me about the rewards before I opened the account, just after I had my account working I can discovered that I can just redeem my rewards after 1 year. It should be changed I really hate to discover after. I had a lot issues to managed to open account, but in the end I could do it. No cons so far. My experience has been good as of now. I don’t currently have any. I feel everything has been straightforward.
Training Documentation Supported Webinars Not Supported Live Online Supported In Person Not Supported	Training Documentation Supported Webinars Supported Live Online Supported In Person Supported
Company Information Brex Founded: 2017 United States brex.com	Company Information Divvy Founded: 2017 United States getdivvy.com
Alternatives North One	Alternatives Wallester
Wallester	Order.co
BILL	itilite ITILITE
Moss	Airbase Paylocity
Kodo View All	Expensya View All
Categories B2B Payment Supported Business Bank Accounts Supported Corporate Card Management Supported Crypto Credit Cards Supported Expense Report Supported Spend Management Supported Virtual Credit/Debit Cards Supported	Categories Accounting Supported Accounts Payable Supported Bookkeeping Supported Budgeting Supported Corporate Card Management Supported Expense Report Supported Financial Management Supported Financial Reporting Supported General Ledger Supported Spend Management Supported Virtual Credit/Debit Cards Supported
Expense Report Features Approval Process Control Not Supported Invoice Management Not Supported Multi-Currency Not Supported Receipt Management Supported Reimbursement Management Not Supported Spend Control Supported Time Tracking Not Supported Workflow Management Not Supported Show More Features Business Bank Accounts Features Bank Wires Supported Bill Pay Supported Billing & Invoicing Supported Business Credit Cards Supported Checking Account Supported Checks Supported Expense Management Supported Instant Payouts Supported No Fee Payments Supported Rewards Supported Savings Account Supported Spend Management Supported	Expense Report Features Approval Process Control Supported Invoice Management Supported Multi-Currency Supported Receipt Management Supported Reimbursement Management Supported Spend Control Supported Time Tracking Not Supported Workflow Management Supported Spend Management Features Approval Workflow Not Supported Budgeting / Forecasting Supported Expense Tracking Supported Multi-Currency Not Supported Prepaid Cards Not Supported Procurement Management Not Supported Receipt Management Supported Spend Analysis Not Supported Spend Control Supported Supplier Management Not Supported Show More Features Accounting Features Accounts Payable Supported Accounts Receivable Supported Bank Reconciliation Supported Billing & Invoicing Supported Cash Management Supported CPA Firms Not Supported Cryptocurrency Support Not Supported Expense Tracking Supported Fixed Asset Management Supported Fund Accounting Supported General Ledger Supported Government Supported Multi-Currency Not Supported Nonprofits Supported Payroll Management Not Supported Project Accounting Supported Purchase Orders Not Supported Tax Management Not Supported Accounts Payable Features Approval Process Control Supported Bank Reconciliation Supported Cash Management Supported Check Writing Not Supported Duplicate Payment Alert Supported Fraud Detection Supported General Ledger Entry Supported Vendor Management Supported Bookkeeping Features Accounts Payable Supported Accounts Receivable Not Supported Bank Reconciliation Supported Billing & Invoicing Supported Cash Management Supported Collections Not Supported Expense Tracking Supported Fixed Asset Management Not Supported General Ledger Supported Payroll Not Supported Revenue Recognition Not Supported Spend Management Supported Tax Management Supported Budgeting Features "What If" Scenarios Supported Asset Planning Supported Balance Sheet Supported Capital Asset Planning Supported Cash Management Supported Consolidation / Roll-Up Supported Forecasting Supported General Ledger Supported Income Statements Supported Multi-Company Supported Multi-Department / Project Supported Profit / Loss Statement Supported Project Budgeting Supported Run Rate Tracking Supported Version Control Supported Financial Management Features Budgeting & Forecasting Supported Cash Management Supported Consolidation / Roll-Up Not Supported Currency Management Not Supported Financial Reporting Supported Investment Management Not Supported Project Management Supported Revenue Recognition Not Supported Risk Management Supported Tax Management Supported Financial Reporting Features "What If" Scenarios Not Supported Audit Trail Supported Balance Sheet Supported Cash Management Supported Consolidation / Roll-Up Not Supported Forecasting Supported General Ledger Not Supported Income Statements Not Supported Multi-Company Not Supported Multi-Department / Project Not Supported Profit / Loss Statement Not Supported
Integrations NetSuite Supported QuickBooks Online Supported Xero Supported Alloy Supported Clarity Security Supported Everest Supported Expensify Supported Fundify Supported Gusto Supported Motileo Supported Nango Supported Nekton.ai Supported Oneleet Supported POSaBIT Not Supported PayPal Supported Puzzle Supported Stackreaction Supported Statsig Supported Vessel Supported Workers by Delos Supported Show More Integrations View All 54 Integrations	Integrations NetSuite Supported QuickBooks Online Supported Xero Supported Alloy Not Supported Clarity Security Not Supported Everest Not Supported Expensify Not Supported Fundify Not Supported Gusto Not Supported Motileo Not Supported Nango Not Supported Nekton.ai Not Supported Oneleet Not Supported POSaBIT Supported PayPal Not Supported Puzzle Not Supported Stackreaction Not Supported Statsig Not Supported Vessel Not Supported Workers by Delos Not Supported Show More Integrations View All 11 Integrations
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