Divvy

Fair

Agent Native Score

API Key AuthOpenAPI Spec

Divvy is a corporate spend management platform that provides virtual card issuance, expense tracking, and bill payment automation for businesses. It helps teams manage spending across departments and vendor relationships with real-time visibility and controls.

Categories: Payments · Expense management · Corporate finance

#51 of 72 in Payments · #2 of 2 in Expense management

Checklist Breakdown

10 of 33 checks passed. 14 unscored.

Discovery 63%

Can an agent find and understand this tool without a web search?

✓ Published OpenAPI/Swagger spec

✗ Has llms.txt or llms-full.txt

✗ Has an MCP server (official or well-maintained)

✗ MCP server listed in a public registry

✓ API reference docs are publicly accessible

✓ Docs include runnable code examples

✓ Has a public changelog or release notes

✓ Has a public status page

Auth & Onboarding 33%

Can an agent create an account and get credentials without human intervention?

✗ Signup does not require CAPTCHA

✗ Signup does not require phone verification

✓ Supports API key auth (not only OAuth)

✗ API key obtainable without manual approval

✗ No mandatory billing info to start

✓ Can sign up without creating an organization

Pricing 60%

Can an agent operate autonomously without upfront payment or contracts?

✗ Has a free tier

✓ Usage-based pricing available

✓ No minimum contract or commitment

✓ Pricing page is public (no 'contact sales')

✗ Free tier sufficient for testing (not just a trial)

Agent Tooling Not yet scored

How well does the API work for non-human consumers?

— SDK available in 2+ languages

— Structured error responses (JSON with error codes)

— Idempotency support on write endpoints

— Pagination on list endpoints

— Webhook/event support

— Sandbox or test mode available

— Rate limit headers in responses

— Consistent REST resource naming

Reliability Not yet scored

Does the tool fail gracefully when an agent makes a mistake?

— Meaningful error messages (not just 500)

— 429 responses include Retry-After header

— Documented uptime SLA (99.9%+)

— Graceful degradation under rate limits

— Request IDs in responses for debugging

— API versioning supported

Reviewer Notes

Divvy has an OpenAPI spec and sandbox environment, which aids discoverability and testing, but lacks an MCP server and llms.txt documentation. Account creation requires corporate verification and human approval, making autonomous agent signup impossible. The API supports standard authentication methods and offers reasonable tooling for expense and card management operations. Primary weakness is the enterprise-focused onboarding process that prevents self-service agent setup; strength is the documented API and available sandbox for development.

Divvy

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