App comparison

Add up to 4 apps below to see how they compare. You can also use the "Compare" buttons while browsing.

Divvy vs Mesh Payments Comparison

Add to Compare

Compare similar apps

Xero logo

Xero

4.4

SAP Concur logo

SAP Concur

4.3

Wave Accounting logo

Wave Accounting

4.4

Quickbooks Online logo

Quickbooks Online

4.3

Expensify logo

Expensify

4.5

Emburse Certify Expense logo

Emburse Certify Expense

4.7

Good recommendations?

Overview

Category Leaders

The expense management and business card solution for precise control on company-wide spend.

Mesh transforms the way finance teams operate with a centralized and automated spend management platform that allows control...

  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials
  • Platforms supported
  • Web-based
  • iPhone app
  • Android app
  • Windows Phone app
  • Typical customers
  • Freelancers
  • Small businesses
  • Mid size businesses
  • Large enterprises
  • Customer support
  • Phone
  • Online
  • Knowledge base
  • Video tutorials

Video & Screenshots

Pricing

Starting from

ic-pricetag

No pricing info

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

Starting from

Free

  • Free trial available
  • Credit cardless trial
  • Free account
  • Subscription based

User reviews

4.7

397

5

4

3

2

1

315

68

7

4

3

  • Value for money
  • Ease of use
  • Features
  • Customer support
97%
would recommend this app

4.9

17

5

4

3

2

1

16

1

0

0

0

  • Value for money
  • Ease of use
  • Features
  • Customer support
100%
would recommend this app

Pros

Divvy integrates with Quickbooks which is super helpful. Divvy rewards program fits our organization much better than previous rewards programs.
The budgeting features are great and allow me to put myself in a better position both financially as well as educationally as I am able to see things more clearly.
Very user friendly and the ability to track and capture departmental expenditures is excellent. Customer service is always available and very helpful when I call.

Pros

Excellent customer service, awesome idea to manage and budget expenses, for all levels.
Amazing integrations with our accounting software.
It’s saved us so much tedious and time consuming work, and we’ve gained so many valuable insights and visibility over our payments.

Cons

We very frequently (more than once per week, have charges declined when paying our vendors. The ACH and Bill Pay process work very, badly.
The only complaint I have at this point is that we cannot set limits for receipts.
A little hard to figure out how budgets and card limits and other maximums interact. What they also really need to add: vendor restriction.

Cons

Only usable if you have a US entity. No option to keep balances in different currencies.
Since we use Mesh, we are no longer "blind" with regards to our credit card expenses.
  • Vendor responds to reviews
  • Last reviewa month ago
  • Vendor responds to reviews
  • Last review5 days ago

Key features

  • Total features69
  • "What If" Scenarios
  • API
  • Account Reconciliation
  • Accounting
  • Accounting Integration
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Approval Process Control
  • Approval Workflow
  • Audit Trail
  • Bank Reconciliation
  • Billing & Invoicing
  • Billing Portal
  • Booking Management
  • Budget Control
  • Budgeting/Forecasting
  • Cash Management
  • Categorization/Grouping
  • Client Management
  • Consolidation/Roll-Up
  • Contact Database
  • Corporate Card
  • Credit Card Management
  • Currency Conversion
  • Customizable Fields
  • Customizable Reports
  • Data Import/Export
  • Document Management
  • ERP
  • Electronic Payments
  • Employee Self Service
  • Expense Claims
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Fixed Asset Management
  • For Accountants
  • Forecasting
  • Fraud Detection
  • General Ledger
  • Income & Balance Sheet
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Mobile Receipt Upload
  • Monitoring
  • Multi-Company
  • Multi-Currency
  • Online Booking
  • Online Payments
  • Payment Collection
  • Payment Processing
  • Policy Management
  • Prepaid Cards
  • Procurement Management
  • Profit/Loss Statement
  • Project Tracking
  • Purchasing & Receiving
  • QuickBooks Integration
  • Real Time Analytics
  • Real Time Data
  • Real Time Monitoring
  • Real Time Notifications
  • Real Time Reporting
  • Real-time Updates
  • Receipt Management
  • Reimbursement Management
  • Reminders
  • Reporting & Statistics
  • Requisition Management
  • Restriction Management
  • SSL Security
  • Secure Data Storage
  • Single Sign On
  • Spend Analysis
  • Spend Control
  • Spend Management
  • Staff Management
  • Summary Reports
  • Supplier Management
  • Task Management
  • Tax Management
  • Third Party Integrations
  • Time & Expense Tracking
  • Time Tracking by Client
  • Time Tracking by Project
  • Transaction History
  • Vendor Management
  • Workflow Management
  • Total features57
  • "What If" Scenarios
  • API
  • Account Reconciliation
  • Accounting
  • Accounting Integration
  • Activity Dashboard
  • Activity Tracking
  • Ad hoc Reporting
  • Approval Process Control
  • Approval Workflow
  • Audit Trail
  • Bank Reconciliation
  • Billing & Invoicing
  • Billing Portal
  • Booking Management
  • Budget Control
  • Budgeting/Forecasting
  • Cash Management
  • Categorization/Grouping
  • Client Management
  • Consolidation/Roll-Up
  • Contact Database
  • Corporate Card
  • Credit Card Management
  • Currency Conversion
  • Customizable Fields
  • Customizable Reports
  • Data Import/Export
  • Document Management
  • ERP
  • Electronic Payments
  • Employee Self Service
  • Expense Claims
  • Expense Tracking
  • Financial Analysis
  • Financial Management
  • Fixed Asset Management
  • For Accountants
  • Forecasting
  • Fraud Detection
  • General Ledger
  • Income & Balance Sheet
  • Invoice History
  • Invoice Management
  • Invoice Processing
  • Mobile Access
  • Mobile App
  • Mobile Payments
  • Mobile Receipt Upload
  • Monitoring
  • Multi-Company
  • Multi-Currency
  • Online Booking
  • Online Payments
  • Payment Collection
  • Payment Processing
  • Policy Management
  • Prepaid Cards
  • Procurement Management
  • Profit/Loss Statement
  • Project Tracking
  • Purchasing & Receiving
  • QuickBooks Integration
  • Real Time Analytics
  • Real Time Data
  • Real Time Monitoring
  • Real Time Notifications
  • Real Time Reporting
  • Real-time Updates
  • Receipt Management
  • Reimbursement Management
  • Reminders
  • Reporting & Statistics
  • Requisition Management
  • Restriction Management
  • SSL Security
  • Secure Data Storage
  • Single Sign On
  • Spend Analysis
  • Spend Control
  • Spend Management
  • Staff Management
  • Summary Reports
  • Supplier Management
  • Task Management
  • Tax Management
  • Third Party Integrations
  • Time & Expense Tracking
  • Time Tracking by Client
  • Time Tracking by Project
  • Transaction History
  • Vendor Management
  • Workflow Management

Integrations

  • Total integrations5
  • Authorize.Net
  • Dynamics 365
  • Dynamics 365 Business Central
  • FreshBooks
  • HubSpot CRM
  • Microsoft Excel
  • Microsoft Outlook
  • NetSuite
  • PayPal
  • QuickBooks Online Advanced
  • Quickbooks Online
  • SAP Business One
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Xero
  • Zapier
  • Total integrations3
  • Authorize.Net
  • Dynamics 365
  • Dynamics 365 Business Central
  • FreshBooks
  • HubSpot CRM
  • Microsoft Excel
  • Microsoft Outlook
  • NetSuite
  • PayPal
  • QuickBooks Online Advanced
  • Quickbooks Online
  • SAP Business One
  • Sage Intacct
  • Salesforce Sales Cloud
  • Shopify
  • Slack
  • Stripe
  • WooCommerce
  • Xero
  • Zapier

User reviews that mention these apps

PM
AvatarImg

Patrick M.

Tobacco, 51-200 employees

Used daily for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

Share this review:

Divvy logo

Divvy

Divvy Review

Reviewed 3 years ago

Divvy has been wonderful for our business as our sales reps do a lot of outside travelling. Being able to load funds directly onto their personal card and limit use has been a life saver.

Pros

The ease of use and the customer support has been unmatched.

Cons

New reports should be created. Specifically a report so you can run past payments made

AB
AvatarImg

Anthony B.

Retail, 51-200 employees

Used daily for 1-2 years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Divvy logo

Divvy

Works great for our company!

Reviewed 3 years ago

Our company can easily see where and by whom the money is spent in real time and we can set the amount on how much each person spends.

Pros

I was able to roll out company wide usage in a matter of weeks. The software is intuitive and employees reported back to me that they enjoyed using it.

Cons

Integrating ACH payments was cumbersome and we had several vendors confused about how they were getting paid.

PB
AvatarImg

Pete B.

Apparel & Fashion, 11-50 employees

Used weekly for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

Share this review:

Divvy logo

Divvy

Divvy

Reviewed 3 years ago

Overall Divvy is very easy to use and set up. Within a day or two I had a complete understanding of how to use their product and was set up with everything from payment accounts and budgets to my own personal business credit card. I highly recommend it to those looking for a quick and easy expense management tool.

Pros

Quick and easy to set up new cards and make payments to vendors quickly

Cons

Navigation can be a bit difficult at times, but overall great.

HN
AvatarImg

Holly N.

Construction, 11-50 employees

Used daily for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Divvy logo

Divvy

Using Divvy makes tracking and applying costs exponentially easier!

Reviewed 2 months ago
Pros

Using Divvy makes tracking and applying costs exponentially easier! Employees in the field can easily and quickly share what their purchase was for. This has helped our accounting and job costing be SO much more accurate!

Cons

On one of our accounts (we have multiple) our payments take a few days to post, which can tie up funds.

MC
AvatarImg

Malini C.

Nonprofit Organization Management, 1-10 employees

Used daily for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Divvy logo

Divvy

Excellent for small nonprofits looking for easy expense/budget management & reimbursements

Reviewed a year ago

So far, so good. New corporations with no credit history have the option to build credit with a prepaid card.

Pros

Virtual cards for one-time or recurring use; expense and budget management; streamlined reimbursement; no fees; responsive customer support; rewards; easy integration with QBO; ability to build business credit

Cons

ACH transfers take too long. Wish we could transfer funds from PayPal directly to Divvy for payments. QBO tags for transactional line items cannot be mapped at this time.

AM
AvatarImg

Ashley M.

Construction, 11-50 employees

Used weekly for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

Share this review:

Divvy logo

Divvy

Great tracking of purchases

Reviewed 4 years ago

It's been great for submitting payments to different software we use. As mentioned previously it's very easy to use and we love that we are able to create virtual cards.

Pros

It is very easy to track purchases since we have several different virtual cards for different software. I also like how there are budgets set up to put employees into certain categories.

Cons

So far we have not experienced any cons. We just started using this software.

EP
AvatarImg

Emely P.

Transportation/Trucking/Railroad, 1-10 employees

Used weekly for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

Share this review:

Divvy logo

Divvy

Divvy is Pretty Great

Reviewed a year ago

Overall Divvy is quite great and has incredible function with no personal guarantee and works for businesses of all sizes.

Pros

I enjoy Divvy because of the incredible opportunity presented to my small business and the ease of management. It also allows me as the owner to provide my employees with access to funds.

Cons

I don’t like the mobile app because it becomes a bit confusing with what’s the budget vs the available credit. It also doesn’t process payments immediately which has caused a few problems for me in my personal experience.

CS
AvatarImg

Chelsey S.

11-50 employees

Used weekly for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Divvy logo

Divvy

Best way to manage money to your managers

Reviewed 4 years ago
Pros

Being able to have cards for the people who need them without worrying about how much is being spent with the budgets each card has. Using virtual cards to reoccurring payments is awesome.

Cons

the alerts for uncategorized expenses is annoying and once a budget is closed you can't edit them. So you just have a red alert sitting there.

OA
AvatarImg

Osei A.

Accounting, 1-10 employees

Used weekly for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Divvy logo

Divvy

Easy to Navigate

Reviewed 2 years ago

The client services are excellent the software takes a holistic approach to ensure it meets your individuals business needs!

Pros

The User Interface is simple and easy to follow. It makes it easy for my team and myself to know where the money is going. It also makes monthly payments much simpler because everything goes on Divvy and then they automatically withdraw payment monthly!

Cons

The software is robust and meets all my companies needs!

BV
AvatarImg

Ben V.

Religious Institutions, 1-10 employees

Used daily for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Divvy logo

Divvy

Great for tracking expenses

Reviewed 2 months ago
Pros

We liked the ability to customize spend categories to better understand expenses for each of our church ministries. We have not been using long, but this will go a long way in establishing budgets and tracking expenses. The ease of setup and use is great. I use other accounting software for work, and other personal credit cards, but nothing comes close to the ease of tracking and reporting through Divvy.

Cons

Would like the ability to have budgets set for weekly rollover, as we are able to pay the account balance in full weekly. This would help to truly show what is available to spend, as minimum budget rollover is a month. Would also like quicker posting of payments to show against available balance.

AvatarImg
AvatarImg

Maddie T.

Information Technology and Services, 10,001+ employees

Used daily for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

Share this review:

Divvy logo

Divvy

I appreciate how simple it is to keep track of invoices and receipts

Reviewed 9 months ago

Divvy is a unique tool that provides an all-in-one solution for your needs. In addition to issuing the card, they also handle all of the associated expenses. All of our expenses are now coded in Accounting so that our field workers can simply submit receipts and a business reason and move on.

Pros

Because it is so user-friendly, this program has completely changed the way we track our expenditures and enter our data. Because each employee may now input their receipts, it has saved our accounting department many hours of labor each month. Divvy is a fantastic service. It's simple to pick up. I was worried I'd be disoriented, but a quick scan of the area turns up everything I need.

Cons

ACH transactions are taking too long to process. We'd want to be able to send PayPal monies straight to Divvy for payments. It is not possible to map QBO tags for transactional line items at this time. Improvements are constantly needed, just as with any other piece of software. Divvy is always striving to improve the procedure.

AvatarImg
AvatarImg

Kevin M.

Religious Institutions, 1-10 employees

Used daily for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

Share this review:

Divvy logo

Divvy

Divvy is a great product

Reviewed 3 years ago

It has eliminated missing receipts and automatically posts expenses to our accounting system (Quickbooks Online). Virtual cards eliminate overcharges and fraud.

Pros

We have had problems with volunteers and staff turning in credit card receipts. That is now a thing of the past - finally! It has totally eliminated that problem. When there is a missing receipt, now I know it within a couple days instead of a couple months. The users love it too because they don't have to worry about saving and turning in receipts as well. Just take a picture of it at the time of sale and they are done! The recent integration with Quickbooks was HUGE for us. Now most data entry of expenses is automatic as well. Very easy to use most of the time, and it's free!

Cons

Getting the hang of allocating budgets can be tricky. And if you have a budget used by multiple people it presents additional challenges trying to allocate funds between multiple people. Auto payments take a few days to free up funds. And virtual subscription cards don't reset until first business day of the month, which can be a problem if charges are attempted on the 1st and it is a weekend.

AH
AvatarImg

Ashley H.

Insurance, 51-200 employees

Used daily for 1-2 years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Divvy logo

Divvy

A Fantastic Expense Report Tool

Reviewed a year ago
Pros

I love the automation it creates for all of our expense reports. I also love the ability to make changes to spending limits, or accounts directly on the website. Any other card, we would have to get on the phone with customer service to make these changes, which was headache and a waste of time. I love the digital cards we can create for our online payments/ transactions.

Cons

The recurring vs one-time limits were hard to get used to. This has improved over the last couple of years though.

ST
AvatarImg

Sherry T.

Electrical/Electronic Manufacturing, 51-200 employees

Used weekly for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

Share this review:

Divvy logo

Divvy

Divvy was the solution to several of our issues

Reviewed 5 years ago

This card was selected only because we wanted an expense reporting system that didn't cost any money and then we've found other benefits to the card so we've distributed it further than we had orginally anticipated.

Pros

Love that we can snap a picture of the receipt and do away with taping receipts to paper! Also, like the "instantly code" an expense rather than waiting until the end of the month to code all credit card charges. Love the budget by card feature so allow small charges to be made by individuals who would not normally get a credit card - giving them a limit to buy some gas or supplies is much better...

Cons

The fact that we need to select a category and then subsequently select and account is an unnecessary step - we just want to code our charges to an account directly. Also - splitting charges between departments and codes is not possible within the application which is a problem for us. Also - the credit card payments are pulling weekly from our bank so we aren't getting the cash float we used to get by paying at the end of the month.

PR
AvatarImg

Peter R.

Venture Capital & Private Equity, 11-50 employees

Used daily for 1-2 years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9/10

Share this review:

Divvy logo

Divvy

Expense Management Made Easy

Reviewed 3 years ago

We've loved Divvy. It has given flexibility to those that travel while giving the flexibility to get things done without having to worry that one of the 3 corporate credit cards is floating around being used by a random employee.

Pros

Divvy has been great for our organization. We have been able to move away from reimbursements and have been able to give spending flexibility to everyone within our organization. We love being able to give every employee a card, but not having to worry that they are going to overspend. And possibly, one of my favorite features of any software ever is the ability to create virtual cards (both for subscriptions and burner cards for one time purchases). Its nice to know that I can cancel a virtual card and not have it affect other vendor payments.

Cons

There is a little bit of a lack of hierarchy available (like an administrator over certain budgets only) and a lack of flexibility with paying down our account (holds placed on account effectively freezing our cards) but other than that, it has been great!

AvatarImg
AvatarImg

William L. D.

Medical Practice, 51-200 employees

Used daily for less than 6 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

Share this review:

Divvy logo

Divvy

Divvy: Perfection; Being free is just a bonus.

Reviewed 4 years ago

Expense Tracking. Seamless, enjoyable, web and app based features. Budgets. Seamless, enjoyable, web and app based features. Customer Service. Doesn't get better than Divvy. Decreased time spent reconciling, tracking, and other tedious tasks on credit cards easily by greater than 75%.

Pros

We switched from an old Visa card with no online functionality, lengthy customer service calls, and overall nothing more than a working credit card. Not to mention, it took 3 months to set up automatic payments every time we opened a new card. Switching to Divvy was easy, free, and seamless. In an organization with 20 credit cards, they've saved us dozens of hours each month, improved accountability,...

Cons

I have no improvements for Divvy. I cannot think of any scenario where it would not be appropriate.