Divvy vs. SiFi Comparison


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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. 270 Ratings Visit Website Xero Save 90% for 4 months on Xero's award-winning accounting and online bookkeeping platform for businesses of all sizes and stages of growth. Beautifully simple, Xero covers a wide range of features that help businesses manage their finances effortlessly, including invoicing, inventory, bank connections, payroll, reporting and more. Xero also offers users free online support 24/7. Xero offers a robust ecosystem of connected apps and integrations with banks and financial institutions, enabling small businesses to access a wide range of solutions within Xero's open platform to streamline operations and manage finances. Additionally, accounting and bookkeeping firms benefit from efficient compliance tools, advanced practice management software, and a cloud-based unified accounting ledger for all clients, centralized in one place. 5,938 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! 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Trusted by mid-market organizations across healthcare, life sciences, agriculture, education, natural resources for over 20 years. 195 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. 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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.	About SiFi is an all-in-one expense management and spend control platform designed to give organizations complete visibility and control over company spending through automation and real-time tracking. It enables businesses to issue corporate cards to employees for work-related expenses, with every transaction tracked instantly on the platform to provide transparency and financial oversight. It allows finance teams to set individual or team budgets, monitor spending against those limits in real time, and receive alerts when budgets are nearing their thresholds, helping prevent overspending and improve planning. It centralizes financial operations by combining expense tracking, reimbursements, automated approval workflows, and accounting processes into a single interface, reducing manual work and minimizing errors. SiFi also provides detailed analytics and reporting, allowing organizations to analyze expenses by category, department, employee, or time period to identify trends.
Platforms Supported Windows Mac Linux Cloud On-Premises iPhone iPad Android Chromebook	Platforms Supported Windows Mac Linux Cloud On-Premises iPhone iPad Android Chromebook
Audience Startups, Small Business, Mid-Market & Enterprise companies. Divvy is for everyone.	Audience Finance teams, SMEs, and enterprises needing to control, track, and automate company spending using corporate cards and real-time expense management tools
Support Phone Support 24/7 Live Support Online	Support Phone Support 24/7 Live Support Online
API Offers API	API Offers API
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing Free Free to use for every company. Free for every user. Free Version Free Trial	Pricing $199 per month Free Version Free Trial
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	Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software
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 Webinars Live Online In Person	Training Documentation Webinars Live Online In Person
Company Information Divvy Founded: 2017 United States getdivvy.com	Company Information SiFi Founded: 2021 Saudi Arabia www.sifi.app/
Alternatives Wallester	Alternatives Divvy
Order.co	Kodo
itilite ITILITE	Emburse Abacus Abacus
Expensya	Moss
Airbase Paylocity View All	Soldo View All
Categories Accounting Accounts Payable Bookkeeping Budgeting Corporate Card Management Expense Report Financial Management Financial Reporting General Ledger Spend Management Virtual Credit/Debit Cards	Categories Corporate Card Management Expense Report Financial Management Spend Management
Expense Report Features Approval Process Control Invoice Management Multi-Currency Receipt Management Reimbursement Management Spend Control Time Tracking Workflow Management Financial Management Features Budgeting & Forecasting Cash Management Consolidation / Roll-Up Currency Management Financial Reporting Investment Management Project Management Revenue Recognition Risk Management Tax Management Spend Management Features Approval Workflow Budgeting / Forecasting Expense Tracking Multi-Currency Prepaid Cards Procurement Management Receipt Management Spend Analysis Spend Control Supplier Management Show More Features Accounting Features Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Cash Management CPA Firms Cryptocurrency Support Expense Tracking Fixed Asset Management Fund Accounting General Ledger Government Multi-Currency Nonprofits Payroll Management Project Accounting Purchase Orders Tax Management Accounts Payable Features Approval Process Control Bank Reconciliation Cash Management Check Writing Duplicate Payment Alert Fraud Detection General Ledger Entry Vendor Management Bookkeeping Features Accounts Payable Accounts Receivable Bank Reconciliation Billing & Invoicing Cash Management Collections Expense Tracking Fixed Asset Management General Ledger Payroll Revenue Recognition Spend Management Tax Management Budgeting Features "What If" Scenarios Asset Planning Balance Sheet Capital Asset Planning Cash Management Consolidation / Roll-Up Forecasting General Ledger Income Statements Multi-Company Multi-Department / Project Profit / Loss Statement Project Budgeting Run Rate Tracking Version Control Financial Reporting Features "What If" Scenarios Audit Trail Balance Sheet Cash Management Consolidation / Roll-Up Forecasting General Ledger Income Statements Multi-Company Multi-Department / Project Profit / Loss Statement
Integrations Xero 1Password Airtable Amazon Web Services (AWS) Amplitude Apple Pay Blue dot Headset HubSpot CRM NetSuite Notion Open Dental Software Oracle Cloud Infrastructure QuickBooks Online QuickBooks Online Advanced Slack ZenBusiness Zoho CRM Zoom Show More Integrations View All 11 Integrations	Integrations Xero 1Password Airtable Amazon Web Services (AWS) Amplitude Apple Pay Blue dot Headset HubSpot CRM NetSuite Notion Open Dental Software Oracle Cloud Infrastructure QuickBooks Online QuickBooks Online Advanced Slack ZenBusiness Zoho CRM Zoom Show More Integrations View All 13 Integrations
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