Divvy
Divvy is a corporate card and spend-management platform (free software plus business credit cards) that was acquired by BILL and now operates as BILL Spend & Expense; getdivvy.com redirects to bill.com. Its API for budgets, users, virtual cards, transactions, and reimbursements is delivered through the BILL developer platform (developer.bill.com) as part of the BILL v3 API, authenticated with a Spend & Expense API token, with a documented webhook event surface, dated changelog, sandbox environment, and per-token rate limits. This profile was surfaced as an Insight Partners portfolio company and has been enriched from BILL's public developer surface.
Divvy publishes 35 API contracts indexed on the APIs.io network, including Attachments API, Authentication API, Bill Approvals API, and 32 more. Tagged areas include Company, Payments, Spend Management, Corporate Cards, and Expense Management.
The Divvy catalog on APIs.io includes 1 event-driven AsyncAPI specification, 1 JSON-LD context, and 1 Spectral governance ruleset.
Divvy’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 36 more developer resources.
What this lets a business do 2
Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →
Kin Score
Markets this provider is in provisional
The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.
| Market | Position | Depth | Registered MCP server | Declares compatibility |
|---|---|---|---|---|
| Procurement and B2B Buying (source-to-pay suites, spend management) | undeclared | - | - | - |
Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.
Standards implemented 3
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
APIs 35
Individual APIs this provider publishes, each with its own machine-readable definition.
Divvy Attachments API
The attachments API from Divvy — 4 operation(s) for attachments.
Divvy Authentication API
The authentication API from Divvy — 4 operation(s) for authentication.
Divvy Bill Approvals API
The bill-approvals API from Divvy — 4 operation(s) for bill-approvals.
Divvy Bills API
The bills API from Divvy — 6 operation(s) for bills.
Divvy Budgets API
The budgets API from Divvy — 5 operation(s) for budgets.
Divvy Cards API
The cards API from Divvy — 5 operation(s) for cards.
Divvy Classifications API
The classifications API from Divvy — 49 operation(s) for classifications.
Divvy Credit Memos API
The credit-memos API from Divvy — 7 operation(s) for credit-memos.
Divvy Custom Fields API
The custom-fields API from Divvy — 4 operation(s) for custom-fields.
Divvy Customers API
The customers API from Divvy — 12 operation(s) for customers.
Divvy Documents API
The documents API from Divvy — 3 operation(s) for documents.
Divvy Events API
The events API from Divvy — 3 operation(s) for events.
Divvy Exports API
The exports API from Divvy — 2 operation(s) for exports.
Divvy Funding Accounts API
The funding-accounts API from Divvy — 13 operation(s) for funding-accounts.
Divvy Health API
The health API from Divvy — 1 operation(s) for health.
Divvy Invoices API
The invoices API from Divvy — 7 operation(s) for invoices.
Divvy Mfa API
The mfa API from Divvy — 6 operation(s) for mfa.
Divvy Network API
The network API from Divvy — 5 operation(s) for network.
Divvy Organization Users API
The organization-users API from Divvy — 4 operation(s) for organization-users.
Divvy Organizations API
The organizations API from Divvy — 5 operation(s) for organizations.
Divvy Partner API
The partner API from Divvy — 11 operation(s) for partner.
Divvy Payment Terms API
The payment-terms API from Divvy — 2 operation(s) for payment-terms.
Divvy Payments API
The payments API from Divvy — 10 operation(s) for payments.
Divvy Receivable Payments API
The receivable-payments API from Divvy — 2 operation(s) for receivable-payments.
Divvy Recurring Invoices API
The recurring-invoices API from Divvy — 4 operation(s) for recurring-invoices.
Divvy Recurringbills API
The recurringbills API from Divvy — 4 operation(s) for recurringbills.
Divvy Reimbursements API
The reimbursements API from Divvy — 6 operation(s) for reimbursements.
Divvy Reports API
The reports API from Divvy — 1 operation(s) for reports.
Divvy Risk Verifications API
The risk-verifications API from Divvy — 2 operation(s) for risk-verifications.
Divvy Roles API
The roles API from Divvy — 2 operation(s) for roles.
Divvy Subscriptions API
The subscriptions API from Divvy — 4 operation(s) for subscriptions.
Divvy Transactions API
The transactions API from Divvy — 8 operation(s) for transactions.
Divvy Users API
The users API from Divvy — 3 operation(s) for users.
Divvy Vendor Credits API
The vendor-credits API from Divvy — 5 operation(s) for vendor-credits.
Divvy Vendors API
The vendors API from Divvy — 8 operation(s) for vendors.
Scroll for all 35
Divvy API pricing
Prices published by Divvy, read 2026-10-28 from www.bill.com/product/pricing.
| Plan | Price |
|---|---|
| Essentials | $49 user/ month Includes: AP & AR features, manual CSV integration, API access |
| Team | $65 user/ month Includes: Adds 2-way sync with QuickBooks/Xero, custom user roles, cash flow forecasting |
| Corporate | $89 user/ month Includes: Adds Procurement, custom approval policies, SSO, multi-entity |
| Enterprise | Custom Pricing Includes: ERP syncs, dual control, API access, priority support |
| Spend & Expense | $0 user/ month Includes: Cards, budgets, expense management, API and developer resources |
| BILL AP & AR Partner (accountants) | $49/month Includes: Accountant Console, wholesale client subscription pricing |
| BILL Spend & Expense Partner | $0 Includes: Free-to-use for firm and clients |
Plan details, limits and sources →
Rate limits
- Spend & Expense API: 60 requests per minute
- BILL v3 API (AP/AR/network): 20000 requests per hour
- BILL v3 API concurrency: 3 concurrent requests
Billed by: user · FinOps profile →
Pricing Plans 2
Published pricing tiers and plan structures.
Divvy Plans Pricing
PLANSRate Limits 1
Documented rate limits and quota policies.
Divvy Rate Limits
RATE LIMITSService Levels 1
Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.
Divvy
SLAFinOps 1
Cost, billing, and metering signals for API financial operations.
Divvy Finops
FINOPSEvent Specifications 1
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Divvy Spend Expense Webhooks
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts and semantic vocabularies used across these APIs.
Divvy Context
JSON-LDSpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
Divvy API Rules
SPECTRALJSON Schema 12
Standalone JSON Schema definitions for this provider's data models.
BudgetCreateDto
JSON SCHEMAEventDto
JSON SCHEMAInvoiceReplaceRequestDto
JSON SCHEMAInvoiceResponseDto
JSON SCHEMAPaymentRequestDto
JSON SCHEMAPaymentResponseDto
JSON SCHEMASendTestEventRequestDto
JSON SCHEMASubscriptionRequestDto
JSON SCHEMASubscriptionResponseDto
JSON SCHEMASubscriptionUpdateRequestDto
JSON SCHEMASubscriptionWithSecurityKeyResponseDto
JSON SCHEMATransactionResponseDto
JSON SCHEMAScroll for all 12
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 5
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 11
Pagination, idempotency, versioning, errors, and events
Scroll for all 11
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 5
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 5
Properties that don't map to a standard resource type
Source (apis.yml)
Divvy API — frequently asked questions
Does Divvy have an API?
Yes. APIs.io lists 35 APIs from Divvy, including Divvy Attachments API, Divvy Authentication API and Divvy Bill Approvals API, and 32 more.
Is there an OpenAPI specification for the Divvy API?
Yes. APIs.io indexes 35 OpenAPI specifications for Divvy, each linked for download from this page.
How do I authenticate with the Divvy API?
Divvy documents its authentication (apiKey · 3 schemes). The details are profiled on APIs.io as Divvy Authentication.
How much does the Divvy API cost?
Divvy publishes its prices; its Essentials plan is $49 user/ month as of 2026-10-28. APIs.io lists 7 pricing plans for Divvy, with each plan's price, limits and inclusions under Pricing on this page.
Is the Divvy API ready for AI agents?
Divvy has a Kin Score of 66.6 out of 100 (exemplar) and an Agent Readiness score of 55.7 (agent-native), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.