Divvy vs. SiFi Comparison


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The solution scales globally with support for multiple books, companies, sites, currencies, languages, and legal entities while maintaining centralized financial control. 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. 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Join the more than 1,200+ organizations already benefiting from smarter financial management with Martus! 187 Ratings Visit Website 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. 277 Ratings Visit Website Xero Save 80% 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. 6,132 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 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 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. 8,260 Ratings Visit Website Budgyt Budgyt replaces Excel without the learning curve. No broken formulas. No circular references. No #REF error panic before board meetings. It's built on a true database, so your formulas never break and every number traces back to source. Import your chart of accounts and actuals directly from your accounting system. Click any variance to drill down to vendor-level detail instantly. Run rolling reforecasts every month without rebuilding everything from scratch. The interface feels familiar because it works like Excel. Except it actually works. 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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 Supported Mac Supported Linux Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported	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
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 Supported 24/7 Live Support Supported Online Supported	Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Not Supported	API Offers API Supported
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 Supported Free Trial Supported	Pricing $199 per month Free Version Supported Free Trial Not Supported
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 Supported Webinars Supported Live Online Supported In Person Supported	Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Not Supported
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 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	Categories Corporate Card Management Supported Expense Report Supported Financial Management 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 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 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 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 Xero Supported 1Password Not Supported Airtable Not Supported Amazon Web Services (AWS) Not Supported Amplitude Not Supported Apple Pay Not Supported Blue dot Supported Headset Supported HubSpot CRM Not Supported NetSuite Supported Notion Not Supported Oracle Cloud Infrastructure Not Supported Perk Supported QuickBooks Online Supported QuickBooks Online Advanced Supported Slack Not Supported ZenBusiness Supported Zoho CRM Not Supported Zoom Not Supported Show More Integrations View All 11 Integrations	Integrations Xero Supported 1Password Supported Airtable Supported Amazon Web Services (AWS) Supported Amplitude Supported Apple Pay Supported Blue dot Not Supported Headset Not Supported HubSpot CRM Supported NetSuite Not Supported Notion Supported Oracle Cloud Infrastructure Supported Perk Not Supported QuickBooks Online Not Supported QuickBooks Online Advanced Not Supported Slack Supported ZenBusiness Not Supported Zoho CRM Supported Zoom Supported Show More Integrations View All 13 Integrations
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