Integrator Credit Card Alternative Divvy

Author: Ryan Ace, Published on Nov 13, 2018

Most security integrators are small businesses but large enough that they have various employees that need to be able to expense various charges as they do their business (whether for supplies, travel, etc.).

IPVM has used a number of options and recently settled on Divvy, a startup that is offering an alternative to conventional cards. Indeed, we first saw them at ISC West earlier this year when we captured a video of a guy with a suit made of dollar bills:

However, we did not choose Divvy at that time. Instead, we chose Capital One Spark, but it had problems for our needs, so a few months ago, we switched to Divvy. Inside this note, we examine the pros and cons of these various options.

Note: like all IPVM reporting, we never accept advertising, sponsorships, affiliates, etc. We are posting this because it solved a problem for us and may do so for our members.

**** ******** *********** *** ***** ********** *** ***** ****** **** they **** ******* ********* **** **** ** ** **** ** expense ******* ******* ** **** ** ***** ******** (******* *** supplies, ******, ***.).

**** *** **** * ****** ** ******* *** ******** ******* on*****, * ******* **** ** ******** ** *********** ** ************ cards. ******, ** ***** *** **** ** *** **** ******* this **** **** ** ******** * ***** ** * *** with * **** **** ** ****** *****:

*******, ** *** *** ****** ***** ** **** ****. *******, we ***** ******* *** *****, *** ** *** ******** *** our *****, ** * *** ****** ***, ** ******** ** Divvy. ****** **** ****, ** ******* *** **** *** **** of ***** ******* *******.

****: **** *** **** *********, ** ***** ****** ***********, ************, affiliates, ***. ** *** ******* **** ******* ** ****** * problem *** ** *** *** ** ** *** *** *******.

[***************]

Bank ***** *****

***** ***** **** ***'* **** ** ********* *** ******** ****** for ********* ***** ** *********. *******, ***** ***** ********* ** not ***** *** ******* (**** **** ** ******) ***** **** credit ***** **. ** **********, *** **** **** ** ********* to ****** / ***** *** *****. *** **** ********** (**** notably *** *******) ****** ** ****** ***** *****, ******* *********** issues.

Credit **** - ******* *** *****

******* ***, ** ***** **** ****** ********, ******* ** ** quite ******* (**** ** **** **** *********).

*** ********** **** ***** *** *****. ** *** **** ****:

  • *** ****-** ******* *** ****, **** ******** ****** ********* ** time.
  • *** ***** *** ********* *** ****** ** ***, **** *** ability ** *** ******* ****** *** ****.
  • *******, ****** ****** ***** ** ******* ** *********** ******* ***** cycle, ***** **** ****** (********* *****) ***** * ****-*** ***** for *******.

*** ******* *** ******* ** **** ** * ****** ******'* Social ******** ******, **** **** *** ***-** ********* *** *******, and ** ****** ** **** ****** ********** ** **** ******* access. ***** **** **** *** ***** ******* **** *** ****** management. ********, *** ***** ******* ** *** **** ** ******* required *** ************ ** *** ****** ****** ** ****, ***** would ** **** *** * **** ************ *** *********** *** any ******** **** ******** ****** ********** ************** ** ********* ****.

*****

** ********, ***** **** ***** ******** **** * ***** *** the ******* ******** ****** *** *** **************. *** ************** *** then ****** *** **** ** ***** *****, **** ***********, ***. The ********* *** ********* ******** *** ***** ***********, ****** ******* management ******. *****, ****** *** ** **** ** ****** **** as ******* ***, ***** *** * *% ******.

************, ***** ******** * ******** ******* ******* *** **, ***** provides ********** *** * ***** ***** ** ******* ****** **** calling ** * ******* ******** ******* ***** ****.

Divvy ******* *** *****

**** ******, ***** ****** ******** ***** ** *** ***** (**********) which *** **** **** **** *** ***** ****. *******, ****** most, ***** ****** ***** ** ************* ******* *** ***. ***** ***** *** ** **** ****, **** down ***** * ******* ****** ** ****, ** ****** ************ like *** ***** ****.

image

**** ****** ***** ** ****** ******* ***** ** ******** ******, e.g., *** **** ** **** *** ****** *********, *** ** used *** **** *****, ******* ** **** *** **** ***** bills, ***. **** *** ******* ********:

  • **** ******:**** ***** ******* *****, ** * ******** **** ** ***********, users *** ****** ***** *** *** *** ****** ** ****** the **** **** *** **** *******. ***** ** ** **** to **** *** * *********** ******** **** ** ** ******* of *****/****** *****. ***** *** ****** ****** * *** ******* card *** *** ** ***********.
  • **** ******* ******* ********:** ********* *** ******* ** * ******* **** * ***** end ****, ******* ***** *** ** **** ** *** *******'* budget *** *** ** ****** ** **** ****. **** ******* in **********, ***** ***** *** ******** ******* ** * ******** project, *** ***** ** ** **** ** ***** **** ******* to *** **** *** ***** *** *****.
  • ****** *******:*******, ******* ***** *** ** ****** *******. ** ** ******** is ***** * $*** **** ***** *********, *** ********, * $100 ******* "************" **** *** ** ******, ***** ****** *** employee ** ****** *** *** ******* **** ****** ** *** their *********, *** ** ****.

Divvy ******/*** ****

***** **** ****** ****** *** *** **** ***** ***** ***** to ***** ********, ****** **** **********, *** *****, *** ****** receipts (***** ******** **** *****' ****** ******, *****, ** ****). If * **** ***** * ******** ***** ***** ****, *** mobile *** ** *** ** ****** **** ** *** * category ** ***** ** ***** ** ********* ****** *************.

******** ** *** ******* *** *** ******* ** ******, ****** it ******** ********** ***** ******** *** ******** ***** *** *******, as ****.

Negatives ** *****

***** *** ******* ********* ** ******* **** * ******* **** Divvy ******** ** **** *********** *****.

  • ***** *** **** ** *******:******* * ***** ******* **** **** ****, **** ******** ************** back *** ***** **** **** *** ***** *** *****. ******* up *** ***** ***** *** **** ****** *** *** *** require **** **** *** *****.
  • ** **** ********/*********:***** ******** *** *** ** ******** ******** ** ********/**********. ***** is ** ********* ** ******* **** ******** ** ** ****** on ************ ****** ***** ** ** * ******* ***** ** use ***** ****** **** *** ***** **** ********* ***** **** not ***.
  • ****** ******:************, ***** ******** ** ****** *******, **** ******* **** *** normal ****** **** ******* *******, ***** ***** *** ***** ******* some **** ** **** **** ********** / ********* ** *** a **** ***.
  • ****/**** *****:*******, *****'* ******** ***** *** ***** *** ****** ***** ** the *****. ***** **** **** *** ****** ** ***, *** card ** ******* ********** ****** **** ***** ** * ******* wallet. ************, ***** ***** *** ******* **** ****** ****** *****, and **** ******, ****** ** **** **** **** ****** ******* or **********.

  • *** ****:*******, ***** *** **** ** ****** ** ***** ****** *** USA. ********, *** ****** *** *** **** ** ********** ** the ***, ** ** *** *** **** ** ******* * physical ** ******* **** ** ************* **** *******.

What ** *** ***?

****** ***** ** *** ******** *** ***********, ******** ** ********, of ****** **** ********* *** **** ****.

Comments (6)

** *** *** *** ********, ******** *******. **** ** *********** and ** **** *** ****** ** **** ** *** *******. At *** *** ** *** ****, ** *** *** ****** to **** **** *** ******* ********* ******* ** *** ******* locations, ****** ** ** **** **** **** **** *** ********* as * ****** ** *** *********. ***** *** ********** ****** than ***** *******, *** **** ** ***, *** *********** ***** it *** **** ******.

** *** *** ***. ******** **** ***** *** ***** **** spending ****** *** ** ** **** ** ****** *** *** employee ********. **** *** ****** **** ***** ******** ** *** main ******* ****** *****'* **** ** ****** *** ******** ********.

***** **** *** ****. ** *** *** ********. ***** ** do *** **** ********* *****, * **** *** ****** ** there *** ** ** *** **** *** *** ********* **** spending ******.

***** ** ******, ****** *** **** **** ****** ***** ** to ** *% ****, ********* *** ****, *** ******* *** less. ***** *** ***** *** ***** **** **** ****** *******. For *******, *** ******** *** * *** **** ****** ****, which ** *% **** ****. * ***** **** ** *** this *** ******** *** ** *** * *** ****** ***** of ****.

**** *** * **** **** ***** * ***** **** *** 1.5% **** **** *** *** **** ** *** ** *** "Please *** ** ****" ***** ** ********* ****** * **** 30 **** **** **** ******* ********* ** **** *** **** the ******.

** *** **** *** ***** *** ***** *** *********, ******** for ***** ****** *** ** **** **** *** **** **** with *** **** ** ****** **** **** ** **** *** it's *** **** ** *** **** *** *** ***** *** credit ***** **** *** **** ** *** **** ** **** make *** ***** **** ***** **** *** ****** *****. ****.

***** ******** ******* ** * **** ****** *** ****** * points *** $ ** *** ****** ******* ******** ********* *** and ****** ***.

** ****** ** *** ***** *** **** ******** *** ***** batch ** *****. *** ****** ******* ** ****** *** **** on **** ** * ** *** **** *** *** *******.

* ***** *** ****** ******* *** * *** ********** **** a ****, ****** **, ********, ****** ***, ***.

* ******* ** *** ******* *% **** **** ** *** purchases ** ****'* * ****.

** **** ***** ***** ***** ****** ** **** ******** ** we **** ****** ****** ** *** ****. ****** ****** ** monthly ***'* * *** ****.

*** ***** ******** ********* ** ******* ** ******** *** **** account ***** *** ******** ************, *** ****** ******* *** ***** one ***** ** ***** *** ******* ** ***********, ****** ** time ** ***********.

** **** *** *** ** ****.

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