Airbase (Paylocity Company) vs Divvy (Now BILL Spend & Expense) — In-Depth Comparison

TL;DR

It's a tie! Both score 4/5 stars. Choose Airbase (Paylocity Company) if you need Mid-sized to large companies wanting a single platform for c, or Divvy (Now BILL Spend & Expense) if you need Businesses wanting integrated corporate cards, expense track. ⬇ Scroll for full 20-point audit

Best For

Airbase (Paylocity Company) vs Divvy (Now BILL Spend & Expense)

Mid-sized to large companies wanting a single platform for c... vs Businesses wanting integrated corporate cards, expense track...

Fee Structure

Airbase (Paylocity Company) vs Divvy (Now BILL Spend & Expense)

Custom pricing based on company size, transaction volume, an... vs Custom pricing; not publicly listed; part of BILL.com ecosys...

Rating

Airbase (Paylocity Company) vs Divvy (Now BILL Spend & Expense)

4/5 ★ vs 4/5 ★

Airbase (Paylocity Company)

Unified Spend Management Platform (Cards, AP, Reimbursements)

Best For Mid-sized to large companies wanting a single platform for corporate cards, accounts payable, employee reimbursements, and guided procurement (Enterprise tier supports up to 10,000 employees)

Core Fee Custom pricing based on company size, transaction volume, and module requirements; no public pricing available

Settlement Real-time spend dashboards; automated approval flows; AI-based OCR for expense reports; amortization schedules for prepaid expenses

Visit Airbase (Paylocity Company) ↗

Divvy (Now BILL Spend & Expense)

Corporate Spend Management & Expense Platform

Best For Businesses wanting integrated corporate cards, expense tracking, and budget controls with real-time reporting and rewards

Core Fee Custom pricing; not publicly listed; part of BILL.com ecosystem

Settlement Real-time expense tracking; instant card issuance; automated approval workflows; syncs with accounting software

Visit Divvy (Now BILL Spend & Expense) ↗

What This Audit Doesn't Cover: Real-time currency fluctuations, promotional offers, region-specific pricing, or temporary fee waivers. Always verify current rates, fees, and features directly with Airbase (Paylocity Company) and Divvy (Now BILL Spend & Expense) before making any financial decision.

Full 20-Point Audit Matrix

Verified current data across all key decision criteria

20 Criteria Compared

Audit Criterion	Airbase (Paylocity Company)	Divvy (Now BILL Spend & Expense)
WealthBlueprint RatingOverall score vs. all reviewed platforms (out of 5 stars)	★ ★ ★ ★ ★ 4/5 Airbase (Paylocity Company): rated on fees, features, safety & ease of use	★ ★ ★ ★ ★ 4/5 Divvy (Now BILL Spend & Expense): rated on fees, features, safety & ease of use
Cost Structure & Fees
Transaction FeesPer-transfer costs, domestic & international	Custom pricing based on company size, transaction volume, and module requirements; no public pricing available	Custom pricing; not publicly listed; part of BILL.com ecosystem
FX / Conversion SpreadMarkup above mid-market exchange rate	Airbase (Paylocity Company) charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending. Always check the live rate in the app	Divvy (Now BILL Spend & Expense) charges a conversion fee based on the currency pair and transfer amount. Always verify the all-in rate before sending. Always check the live rate in the app
Account MaintenanceMonthly or annual account-keeping charges	Custom/tiered pricing — Airbase (Paylocity Company)'s fee structure depends on your account tier or usage volume. Fees subject to change — verify before signing up	Custom/tiered pricing — Divvy (Now BILL Spend & Expense)'s fee structure depends on your account tier or usage volume. Fees subject to change — verify before signing up
Card Issuance FeesVirtual and physical card creation costs	Airbase (Paylocity Company) offers virtual cards. Check the Airbase (Paylocity Company) app under card settings for current issuance fees. Check Airbase (Paylocity Company) app for current card fees	Divvy (Now BILL Spend & Expense) does not primarily offer physical cards — access is digital-first. Check Divvy (Now BILL Spend & Expense) app for current card fees
Settlement Speed & Reliability
Domestic SettlementLocal bank transfer completion time	Airbase (Paylocity Company) Real-time spend dashboards; automated approval flows; AI-bas VS Divvy (Now BILL Spend & Expense) Real-time expense tracking; instant card issuance; automated ✓ Divvy (Now BILL Spend & Expense) is faster (instant vs Real-time spend dashboards; au)
Cross-Border SpeedInternational corridor settlement time	Airbase (Paylocity Company) supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds. Check the app for live estimates	Divvy (Now BILL Spend & Expense) supports cross-border transfers via its payment rails. Actual delivery depends on the receiving bank and any compliance holds. Check the app for live estimates
Uptime / ReliabilityReported annual platform availability rate	Airbase (Paylocity Company) publishes service status updates on its official status page for transparency. Check Airbase (Paylocity Company) status page for incident history	Divvy (Now BILL Spend & Expense) publishes service status updates on its official status page for transparency. Check Divvy (Now BILL Spend & Expense) status page for incident history
Security & Regulatory Standing
Regulatory LicensesGoverning bodies and jurisdictions	Standard enterprise security; G2 rating 4.4/5; part of Paylocity for enhanced HR/payroll integration ✓ Licensed	Now owned by BILL.com; DivvyPay, LLC affiliate; standard enterprise security; role-based access; SOC 2 compliant ✓ Licensed
Deposit InsuranceGovernment-backed protection scheme	Airbase (Paylocity Company) holds funds with regulated partner banks. Deposit insurance coverage may apply. Verify current coverage directly with Airbase (Paylocity Company)	Divvy (Now BILL Spend & Expense) holds funds with regulated partner banks. Deposit insurance coverage may apply. Verify current coverage directly with Divvy (Now BILL Spend & Expense)
2FA & AuthenticationMulti-factor security implementation	Airbase (Paylocity Company) supports 2FA via authenticator app or SMS. Check security settings for available methods. Enable 2FA immediately after opening your account	Divvy (Now BILL Spend & Expense) supports 2FA via authenticator app or SMS. Check security settings for available methods. Enable 2FA immediately after opening your account
Fraud DetectionAI/ML-powered transaction monitoring	Airbase (Paylocity Company) employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds. ✓ Real-time monitoring	Divvy (Now BILL Spend & Expense) employs automated transaction monitoring. Suspicious activity triggers alerts and temporary holds. ✓ Real-time monitoring
Features, Limits & Access
Ideal Use CasePrimary audience and core value proposition	Airbase (Paylocity Company) Mid-sized to large companies wanting a single platform for corporate cards, accounts payable, employee reimbursements, and guided procurement (Enterprise tier supports up to 10,000 employees) Divvy (Now BILL Spend & Expense) Businesses wanting integrated corporate cards, expense tracking, and budget controls with real-time reporting and rewards
Platform ClassificationRegulatory and product category	Unified Spend Management Platform (Cards, AP, Reimbursements)	Corporate Spend Management & Expense Platform
Withdrawal LimitsDaily / weekly transfer and cash-out caps	Airbase (Paylocity Company) withdrawal limits vary by account type and KYC level. Log in to see your current limits	Divvy (Now BILL Spend & Expense) withdrawal limits vary by account type and KYC level. Log in to see your current limits
Supported CurrenciesFiat and digital asset coverage	Airbase (Paylocity Company) supports the currencies and assets listed in its official documentation. Check Airbase (Paylocity Company) official site for full currency list	Divvy (Now BILL Spend & Expense) supports the currencies and assets listed in its official documentation. Check Divvy (Now BILL Spend & Expense) official site for full currency list
User Experience & Support
App Store RatingAggregate iOS + Android user satisfaction	Airbase (Paylocity Company) app ratings reflect recent user sentiment — check the App Store/Google Play for current scores. Verify live ratings on the App Store	Divvy (Now BILL Spend & Expense) app ratings reflect recent user sentiment — check the App Store/Google Play for current scores. Verify live ratings on the App Store
Customer SupportAvailable resolution pathways and SLA	Airbase (Paylocity Company) routes support through its official help channels. Priority queue access varies by plan. Check Airbase (Paylocity Company) help centre for current support options	Divvy (Now BILL Spend & Expense) routes support through its official help channels. Priority queue access varies by plan. Check Divvy (Now BILL Spend & Expense) help centre for current support options
KYC Verification SpeedAccount activation timeline post-submission	Airbase (Paylocity Company) KYC timelines depend on document quality and account type. Verify current wait times in the Airbase (Paylocity Company) app	Divvy (Now BILL Spend & Expense) KYC timelines depend on document quality and account type. Verify current wait times in the Divvy (Now BILL Spend & Expense) app
Overall VerdictWealthBlueprint independent recommendation	IT'S A TIE — both score 4/5 stars. Choose Airbase (Paylocity Company) if you need: Mid-sized to large companies wanting a single platform for corporate cards, accounts payable, employee reimbursements, and guided procurement (Enterprise tier supports up to 10,000 employees). Choose Divvy (Now BILL Spend & Expense) if you need: Businesses wanting integrated corporate cards, expense tracking, and budget controls with real-time reporting and rewards. ➜ Your choice depends on your specific needs
Official WebsiteVisit platform to sign up or verify current fees	Visit Airbase (Paylocity Company) ↗	Visit Divvy (Now BILL Spend & Expense) ↗

Choose Airbase (Paylocity Company) If:

You need Mid-sized to large companies wanting a single platform for c
You prefer Custom pricing based on company size, tr
You value Real-time spend dashboards; automated ap

Choose Divvy (Now BILL Spend & Expense) If:

You need Businesses wanting integrated corporate cards, expense track
You prefer Custom pricing; not publicly listed; par
You value Real-time expense tracking; instant card

WealthBlueprint Verdict Summary

Airbase (Paylocity Company) — Best For

Mid-sized to large companies wanting a single platform for corporate cards, accounts payable, employee reimbursements, and guided procurement (Enterprise tier supports up to 10,000 employees)

✓ Strong in its core category

Divvy (Now BILL Spend & Expense) — Best For

Businesses wanting integrated corporate cards, expense tracking, and budget controls with real-time reporting and rewards

✓ Strong in its core category

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