Divvy vs Xero
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
Divvy offers more features (40 vs 35) and more integrations (25 vs 6). Starting price: Divvy at $299/mo vs Xero at $3.75/mo. Divvy has 37 unique features while Xero has 32 unique features, with 3 features in common.
| Divvy | Xero | |
|---|---|---|
| Category | Accounting Software | Accounting Software |
| Total Features | 40 | 35 |
| AI-Powered Features | 8 | 4 |
| Starting Price | $299/mo | $3.75/mo |
| Pricing Tiers | 4 | 3 |
| Integrations | 25 | 6 |
| Shared Features | 3 | |
| Shared Integrations | 1 | |
| Data Quality | 70% | 80% |
Feature Comparison by Category
AI (0 vs 4)
| Feature | Divvy | Xero |
|---|---|---|
| AI Financial Data Exploration | ||
| AI Task Automation | ||
| AI-Powered Business Questions | ||
| JAX AI Financial Superagent |
Accounting (3 vs 3)
| Feature | Divvy | Xero |
|---|---|---|
| Bill Management | ||
| Duplicate Detection | ||
| Expense Automation | ||
| Multi-Currency Support | ||
| Paperless Record Keeping | ||
| Reconciliation Reports |
Analytics (3 vs 2)
| Feature | Divvy | Xero |
|---|---|---|
| Custom Reporting | ||
| KPI and Ratio Analysis | ||
| Real-Time Spend Visibility | ||
| Spend Analytics | ||
| Trend Analysis |
Automation (0 vs 4)
| Feature | Divvy | Xero |
|---|---|---|
| Automated Invoicing | ||
| Bank Transaction Reconciliation | ||
| Data Capture with Hubdoc | ||
| Invoice Reminders |
Budget Management (2 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Budget Controls | ||
| Spend Limits by Time |
Card Management (1 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Bulk Card Issuance |
Collaboration (0 vs 1)
| Feature | Divvy | Xero |
|---|---|---|
| Real-time Collaboration |
Compliance (4 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Audit Logs | ||
| Expense Policies | ||
| PCI Compliance | ||
| Policy Enforcement |
Document Management (1 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Receipt Capture |
Expense Management (1 vs 2)
| Feature | Divvy | Xero |
|---|---|---|
| Employee Expense Submission | ||
| Employee Reimbursement | ||
| Expense Tracking |
HR (0 vs 1)
| Feature | Divvy | Xero |
|---|---|---|
| Leave Management |
Integration (2 vs 3)
| Feature | Divvy | Xero |
|---|---|---|
| API Access | ||
| App Store Integration | ||
| Bank Feed Integration | ||
| Data Import from Other Software | ||
| SCIM Provisioning |
Inventory (0 vs 1)
| Feature | Divvy | Xero |
|---|---|---|
| Inventory Management |
Mobile (1 vs 1)
| Feature | Divvy | Xero |
|---|---|---|
| Mobile App |
Notifications (1 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Email Notifications |
Organizational Management (1 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Department Management |
Payment Processing (4 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| ACH Transfers | ||
| Multi-Currency Support | ||
| Physical Cards | ||
| Virtual Cards |
Payments (0 vs 2)
| Feature | Divvy | Xero |
|---|---|---|
| Online Bill Payments | ||
| Online Invoice Payments |
Project Management (1 vs 1)
| Feature | Divvy | Xero |
|---|---|---|
| Project Tracking |
Reporting (2 vs 5)
| Feature | Divvy | Xero |
|---|---|---|
| Cash Flow Forecasting | ||
| Customizable Reporting | ||
| Financial Health Scorecards | ||
| Monthly Statements | ||
| Performance Dashboards | ||
| Real-time Reporting | ||
| Scheduled Reports |
Sales (0 vs 1)
| Feature | Divvy | Xero |
|---|---|---|
| Quotes and Estimates |
Security (6 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Card Freezing | ||
| Fraud Detection | ||
| Merchant Controls | ||
| SSO Integration | ||
| Two-Factor Authentication | ||
| User Roles |
Support (2 vs 2)
| Feature | Divvy | Xero |
|---|---|---|
| 24/7 Online Support | ||
| 90-Day Onboarding Support | ||
| Customer Support | ||
| Dedicated Account Manager |
Tax (1 vs 2)
| Feature | Divvy | Xero |
|---|---|---|
| Sales Tax Management | ||
| Tax Categorization | ||
| W-9 and 1099 Management |
Team Collaboration (1 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Team Management |
Vendor Management (1 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Vendor Management |
Workflow Management (2 vs 0)
| Feature | Divvy | Xero |
|---|---|---|
| Approval Workflows | ||
| Expense Rules Engine |
Unique Features
Only in Divvy (37)
Duplicate Detection
Expense Automation
Reconciliation Reports
Custom Reporting
Real-Time Spend Visibility
Spend Analytics
Budget Controls
Spend Limits by Time
Bulk Card Issuance
Audit Logs
Expense Policies
PCI Compliance
Policy Enforcement
Receipt Capture
Employee Reimbursement
API Access
SCIM Provisioning
Email Notifications
Department Management
ACH Transfers
+ 17 more unique features
Only in Xero (32)
Bill Management
Paperless Record Keeping
AI Financial Data Exploration
AI Task Automation
AI-Powered Business Questions
JAX AI Financial Superagent
KPI and Ratio Analysis
Trend Analysis
Automated Invoicing
Bank Transaction Reconciliation
Data Capture with Hubdoc
Invoice Reminders
Real-time Collaboration
Employee Expense Submission
Expense Tracking
Leave Management
App Store Integration
Bank Feed Integration
Data Import from Other Software
Inventory Management
+ 12 more unique features
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