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TerraPay

TerraPay

Global Real-Time Settlements

VS

Divvy

Corporate card + expense management for US SMBs

Divvy
Fees from
Per-transaction vs Free software; card revenue via interchange
Features

1 shared

1 unique to TerraPay · 1 unique to Divvy
Regions

1 shared

3 unique to TerraPay
Pay methods

0 shared

2 unique to TerraPay · 4 unique to Divvy
On fees

TerraPay publishes Per-transaction from. Divvy publishes Free software; card revenue via interchange from. Verify directly with each provider before signing.

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Show full specs
3 features · 6 payment methods · 4 regions. We don't rank these — they're here for reference.
TerraPay TerraPay
Divvy Divvy
Quick Facts
Fees
Standard transaction rate
Per-transaction
Free software; card revenue via interchange
Settlement
Time to receive funds
—
—
Founded
2014
2016
Headquarters
Amsterdam, Netherlands
Draper, UT, US
Sandbox / Test Mode
✓
—
Webhook Support
✓
✓
Features
Enterprise
✓
✓
Instant Payout Unique
✓
—
Startup Friendly Unique
—
✓
Payment Methods
Divvy leads (4 vs 2)
Bank Transfer Unique
✓
—
Credit Card Unique
—
✓
Mastercard Unique
—
✓
Mobile Money Unique
✓
—
Virtual Card Unique
—
✓
Visa Unique
—
✓
Regions
TerraPay leads (4 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe Unique
✓
—
North America
✓
✓

TerraPay is best when you...

Global Real-Time Settlements
Need Instant Payout
Not available with Divvy
Want coverage in Africa, Asia, Europe
Divvy doesn't cover these regions
View TerraPay

Divvy is best when you...

Corporate card + expense management for US SMBs
Need Startup Friendly
Not available with TerraPay
View Divvy

Frequently Asked Questions

What is the difference between TerraPay and Divvy?
They share 0 payment methods and 1 region. TerraPay adds Bank Transfer, Mobile Money that Divvy does not list; Divvy adds Credit Card, Mastercard, Virtual Card and 1 more that TerraPay does not list; TerraPay also covers Africa, Asia and 1 more; only TerraPay offers Instant Payout.
Which is cheaper, TerraPay or Divvy?
TerraPay has published rates from Per-transaction; Divvy has published rates from Free software; card revenue via interchange. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use TerraPay and Divvy?
TerraPay lists 4 regions and 2 payment methods; Divvy lists 1 and 4. both cover North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do TerraPay and Divvy compare on integration and settlement?
TerraPay offers a sandbox, Divvy does not list one; both support webhooks.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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