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Ably vs Divvy (BILL Spend and Expense): 2026 Comparison

Ably Divvy (BILL Spend and Expense)
Overview A realtime messaging infrastructure platform providing pub/sub, presence, and stream processing for applications at scale. A free expense management and corporate card platform now part of BILL with real-time budgeting and automated reporting.
Pricing Freemium (Free-$99/month) Free (Free (revenue from interchange))
Key Features
  • Pub/sub messaging
  • Presence
  • Stream processing
  • Webhooks
  • MQTT support
  • Message queuing
  • History
  • Global edge network
  • Corporate cards
  • Real-time budgets
  • Expense management
  • Automated reporting
  • Receipt capture
  • Approval workflows
  • Virtual cards
  • Accounting sync
Pros
  • Enterprise-grade reliability
  • Global edge network
  • Protocol support
  • Good documentation
  • Completely free
  • Real-time budgeting
  • Good approval workflows
  • Virtual cards
Cons
  • Can be expensive
  • Complex pricing
  • Smaller community
  • Learning curve
  • BILL acquisition changes
  • Limited card rewards
  • Requires credit approval
  • US only

Ably

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Divvy (BILL Spend and Expense)

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