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.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Divvy the way a machine reads it — 54 machine-readable artifacts across 2 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Divvy scores 53.0/100 (developing), with a separate agent-readiness read of 63/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
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<!-- Kin Score · API Evangelist -->
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<img src="https://apis.io/badge/divvy.svg"
alt="Divvy Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/divvy/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/divvy/"
title="Divvy on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/divvy/card.svg"
alt="Divvy Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Divvy
Each block below is one kind of artifact we hold for Divvy. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 35
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
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 within the panel for all 35 ·
Rate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Divvy Rate Limits
RATE LIMITSEvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Divvy Spend Expense Webhooks
ASYNCAPISemantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Divvy Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Divvy API Rules
SPECTRALJSON Schema 12
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
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 within the panel for all 12 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Divvy — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
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 within the panel 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 3
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
← All providers · Data indexed from github.com/api-evangelist/divvy · machine-readable index on apis.io
This is an independent, third-party profile of Divvy, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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