DiviPay offers expense management tools for your business, including virtual cards, spend management tools, automatic bill payments and credit facilities.

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DiviPay is an Australian financial technology (fintech) company that gives you a way to manage and track all your business expenses. This includes virtual corporate cards for employees, which are fast to set up and can be customised with spending limits.

In 2021, DiviPay won Finder's Best Payment Innovation Award. It was also the first company to introduce virtual corporate cards in Australia back in 2018.

What is DiviPay?

DiviPay is a subscription service that businesses can use to track and manage spending. It offers corporate virtual cards that you can set up instantly and use once, at set times or all the time. This means you can set up spending rules that make it easier to manage bills, budgets and employee expenses.

Unlike a business credit card, the funds for DiviPay virtual cards are pre-loaded by the business – but there is the option of a credit facility that works like a charge card. It also integrates with accounting software, including Xero, MYOB and QuickBooks.

Pros and cons


  • Virtual cards. DiviPay offers unlimited virtual cards that can be used anywhere Mastercard is accepted. And you can quickly set up new cards for ongoing use or limited use without extra paperwork.
  • Real-time data. See transactions as they are made from each DiviPay card, with a search tool and the option to stop, cancel or pause card activity at any time.
  • Simplifies financial management. The features of DiviPay are all designed to help businesses manage expenses, budgets, subscriptions and accounting tasks.


  • Plan costs. DiviPay plan costs are set based on the number of account users, add-ons and how many business transactions are made each month. If you don't know these details or they change, it could be hard to work out the overall cost.
  • No international transfers. DiviPay currently does not support international money transfers. You can still use a virtual card for international payments but there is a 2.99% currency conversion fee.
  • Direct debit processing times. If you pre-load funds by direct debit, it will take 3-5 days before it is added to DiviPay. You can set a minimum payment threshold to trigger a direct debit or make one-off bank transfers to avoid running out of funds.

DiviPay plans

DiviPay plans are designed to suit businesses of different sizes, with a monthly fee structure based on the number of account users and transactions.

DiviPay Starter plan

Designed for smaller businesses that make up to 20 business transactions a month, this plan's features include the following:

  • Unlimited virtual cards. You can create as many virtual cards as you want for your business and employees.
  • Card controls. Each virtual card can be customised with spending limits and rules. For example, you could limit spending to particular merchants, types of transactions or even times of the day.
  • Budgets. You can set up budgets for different teams or departments within DiviPay so that the linked cards can only be used for spending up to that amount.
  • Automatic expense categorisation. Every time a virtual card is used, DiviPay will automatically categorise it based on enhanced data from Mastercard. You can also override a categorisation to set up a different one for future transactions at the same merchant.
  • Integration with accounting software. If you use Xero, MYOB or QuickBooks, you can link your DiviPay account to streamline reporting. You can also download CSV files for other accounting software, including files that have been filtered using DiviPay account tools.
  • Monthly transaction limits. This plan has a limit of 20 business transactions per month. If you and your team make more than 20 transactions, the plan will automatically change to the Growth plan.

Starter plan pricing

  • Monthly fee: $6 per user per month

DiviPay Growth plan

If your business needs to make more than 20 transactions a month, this plan offers some of the same features as the Starter plan plus the following:

  • Top-up requests. If a team or department has reached their budget cap early, they can submit a request for a budget top-up through DiviPay. The account manager can then review it and either approve or reject the request, making it a simple process to consider budget changes and adjustments for particular departments or teams.
  • Custom fields. If you have budgets for projects, clients or specific jobs that need to be tracked for accounting purposes, you can set them up in DiviPay so that you don't have to reconcile transactions later.
  • Subscription management. You can set up subscriptions for business software, accounts and tools through DiviPay. Each subscription will be assigned its own virtual card, which makes it easier to pause or cancel subscriptions at any time.
  • Single sign-on. If you want to share the account access with other people in the business, you can set up a single sign-on (SSO). This can make it faster to onboard new people, update details and control the security of the account.
  • Monthly transaction limits. This plan has a limit of 150 business transactions per month. If your business has a higher volume of monthly transactions, you can set up a custom plan.

Growth plan pricing

  • Monthly fee: $17 per user, per month

DiviPay custom plans

The custom plan is designed for businesses that make more than 150 transactions per month and have more complex financial processes. It includes the key features of the other plans plus the following:

  • Priority support. Get help setting up a DiviPay account, card controls, budgets or anything else.
  • Implementation specialist. If you want someone else to set up your DiviPay account in a particular way, you can work with a specialist. This could save you time on administration when you first get the account.
  • Unlimited monthly transactions. Unlike other DiviPay plans, there is no monthly limit on business transactions with this plan.

As a custom plan, the scope of these features means you can basically set up DiviPay how you want it.

Custom plan pricing

Determined on a case-by-case basis.

Other features you'll get with a DiviPay account

DiviPay also gives you access to the following account features and benefits:

  • Automatic bill payments (add-on feature)

If you want to save time managing bill payments, this optional feature gives you a way to set up automatic batch payments, custom approval rules and a choice of BPAY or electronic fund transfers (EFT).

You can add vendors or billers to DiviPay and set it up so that their invoices are paid on set dates. They'll get an automatic email notification when the payment is made, and the details will be added to your accounting software.

Cost: Pricing for this add-on starts from $8 a month for up to 10 invoice payments.

  • Reimbursements (add-on)

If you or an employee needs to make an out-of-pocket expense, this add-on gives you a fast way to process and approve it.

It is similar to other reimbursement software: the employee takes a photo of the expense receipt, uploads it to DiviPay and submits a short claim form. You can set up rules for what expenses are covered and who needs to approve them, and DiviPay will use these details to help speed up the process.

Cost: Reimbursements is a free add-on and could be helpful if you have employees that don't usually need to make business transactions or who don't have a DiviPay card for some other reason.

  • DiviPay Rewards

Get access to exclusive offers, discounts and other benefits from brands that DiviPay has partnered with, such as Canva, Shopify, G Suite (Google) and Amazon Web Services (AWS). These offers are for a limited time, and you can see the latest deals by logging in to the DiviPay web portal.

  • Business line of credit

If you want access to credit, DiviPay offers up to $20,000 for your business, with a simple online application that factors in your business's circumstances. Keep in mind the limit can be lower, depending on lending criteria and assessment.

With a line of credit, you'll be able to make payments when you need to and will get a monthly bill. DiviPay also lets you pay off the balance over time, with payment extensions of between 7 and 30 days for a fee. Unlike business credit cards, there are no interest charges, so it is more similar to business charge cards or no interest credit cards.

  • Mobile payments

DiviPay virtual cards can be added to Apple Pay or Google Pay, which means you can tap to pay in any store that offers contactless, mobile payments (as well as online).

  • Security

DiviPay has 24-hour fraud detection and AI security software to protect every account. If a suspicious transaction is made from any DiviPay card linked to your account, you'll be contacted by DiviPay to verify it or sort it out.

DiviPay cards also come with Mastercard protection, including no liability for fraudulent transactions. Setting up different cards and spending rules for your business can also reduce the risk of card fraud because it means only limited funds are available on each card (rather than sharing a card with access to the whole balance).

How to apply

You can sign up for a free trial of the DiviPay Starter or Growth plan by filling in a short form online. You'll then have 14 days to trial the plan before billing applies.

If you want a DiviPay custom plan or line of credit, you can also fill in a form and someone from DiviPay will get in contact with you by phone or email.


To get a DiviPay account, your business will also have to meet the following requirements:

  • Business details. You need to have an active ABN (Australian Business Number).
  • Identity details. Depending on your business, you may need to provide valid ID for yourself and any other business owners. For example, your personal driver's licence and Australia passport.

DiviPay demonstrations

If you want to see how DiviPay works before signing up, you can book a demonstration through the DiviPay website. A DiviPay sales representative will then organise to meet with you and go through key details, including the following:

  • How to instantly issue DiviPay cards
  • How to automatically pay bills
  • Spending controls
  • Expense report automation

Each demonstration is personalised, so you'll also be able to ask any questions – and potentially learn about new features.

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