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Divvy SCIM guide

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How to automate Divvy user provisioning, and what it actually costs

Summary and recommendation

BILL Spend & Expense (formerly Divvy) does not publicly document SCIM provisioning capabilities, despite offering SAML SSO integration with major identity providers like Okta, Azure AD, and OneLogin. While the platform supports HR integrations with Workday and ADP for employee data sync, there's no clear path for automated user provisioning through your IdP. This creates a significant gap for IT teams managing corporate card access, as employees must be manually provisioned in the system even when SSO authentication is enabled.

The lack of documented SCIM support is particularly problematic for expense management platforms where user lifecycle directly impacts financial controls. When employees join, leave, or change roles, their corporate card access and spending limits need immediate updates to maintain compliance and prevent unauthorized spending. Manual provisioning delays card issuance for new hires and creates security risks when departing employees retain system access.

The strategic alternative

Divvy has no native SCIM. Automate offboarding, user access reviews, and license workflows across every app, including the ones without APIs. We maintain the integration layer underneath. You focus on judgment, not plumbing.

Quick SCIM facts

SCIM available?No
SCIM tier requiredN/A
SSO required first?No
SSO available?Yes
SSO protocolNot documented
DocumentationNot available

Supported identity providers

IdPSSOSCIMNotes
OktaVia third-partyNo dedicated Okta integration in OIN catalog found. SSO via SAML supported with various IdPs including Okta, Azure, G Suite, Auth0, Centrify.
Microsoft Entra IDVia third-partySSO with Microsoft Azure supported. No SCIM provisioning documentation found. Contact vendor for enterprise provisioning options.
Google WorkspaceVia third-partyNo native support
OneLoginVia third-partyNo native support

The cost of not automating

Without SCIM (or an alternative like Stitchflow), your IT team manages Divvy accounts manually. Here's what that costs:

Source: Stitchflow aggregate data across apps with 2+ instances, normalized to 500 employees
Orphaned accounts (ex-employees with access)7
Unused licenses12
IT hours spent on manual management/year101 hours
Unused license cost/year$3,925
IT labor cost/year$6,088
Cost of compliance misses/year$1,741
Total annual financial impact$11,754

The Divvy pricing problem

Divvy gates SCIM provisioning behind premium plans, forcing significant cost increases for basic user management.

Tier comparison

PlanPriceSSOSCIM
Free$0
Starter$7/user/mo
Growth$15/user/mo
EnterpriseCustom quote
❓ Contact vendor

Provisioning structure

PlanPricingSCIMSSO
Free$0❌ Not available❌ Not documented
Starter$7/user/mo❌ Not available❌ Not documented
Growth$15/user/mo❌ Not available❌ Not documented
EnterpriseCustom quote❓ Contact vendor✓ SAML only

What this means in practice

Without SCIM provisioning, IT teams must manually manage user accounts in Divvy, which creates significant operational overhead:

Manual card issuance
New employees require manual account creation and physical/virtual card setup
Termination delays
Departing employees' cards and spending limits must be manually deactivated
Role changes
Spending limit adjustments and approval workflows require manual intervention
Audit gaps
No automated sync means user access records may not match HR systems

For a finance application handling corporate spending, these manual processes create compliance risks and delayed responses to personnel changes.

Additional constraints

Limited documentation
Enterprise identity features aren't publicly documented, requiring direct vendor contact
HR system dependency
Divvy offers Workday and ADP integrations, but these don't replace IdP-based provisioning
Custom enterprise pricing
No transparent pricing for enterprise features that might include better identity management
Interchange revenue model
While the base product is "free," enterprise identity features likely require paid plans

Summary of challenges

  • Divvy does not provide native SCIM at any price tier
  • Organizations must rely on third-party tools or manual provisioning
  • Our research shows teams manually provisioning this app spend significant hidden costs annually

What Divvy actually offers for identity

Enterprise Identity Features (Undocumented)

BILL Spend & Expense (formerly Divvy) mentions SAML SSO and SCIM provisioning for enterprise customers, but provides no public documentation:

FeatureStatus
SAML SSOSupported (undocumented)
SCIM ProvisioningMentioned but undocumented
JIT ProvisioningNot supported
Supported IdPsOkta, Azure AD, OneLogin
Public DocumentationNone available

The documentation problem: Unlike most SaaS applications, Divvy provides zero public documentation for their enterprise identity features. IT teams must contact sales to understand what's actually included.

What's Actually Available

Based on limited information from BILL's support resources:

SAML SSO integration with major identity providers
SCIM provisioning
(mentioned but no implementation details)
HR system integrations with Workday and ADP for user management
Custom enterprise pricing required for identity features

Why This Approach Falls Short

For expense management platforms, user provisioning is critical for:

Card issuance and deactivation when employees join/leave
Spending limit management based on role changes
Approval workflow automation tied to org structure

Without documented SCIM capabilities or clear provisioning workflows, IT teams can't evaluate whether Divvy meets their automated user lifecycle requirements before committing to enterprise pricing discussions.

What IT admins are saying

Community sentiment around BILL Spend & Expense (formerly Divvy) reflects frustration with the lack of transparency around enterprise identity features:

  • No public documentation for SCIM provisioning capabilities
  • SSO configuration details are not publicly available
  • Enterprise pricing and features require sales conversations
  • Limited visibility into what identity management features are actually included

Limited public documentation on enterprise identity features

Community feedback

The recurring theme

Finance teams want to understand their provisioning options before engaging in lengthy enterprise sales cycles, but BILL keeps their identity management capabilities behind closed doors. This creates uncertainty for IT teams evaluating expense management solutions.

The decision

Your SituationRecommendation
Small finance team (<20 users) with simple card needsManual management is acceptable
Growing company with frequent employee onboardingUse Stitchflow: card issuance automation essential
Enterprise with compliance requirementsUse Stitchflow: automated spending limit management required
Multi-department card programsUse Stitchflow: automation strongly recommended
High employee turnover requiring frequent card deactivationUse Stitchflow: automated deprovisioning critical

The bottom line

BILL Spend & Expense offers powerful corporate card and expense management, but lacks documented SCIM provisioning capabilities. For organizations that need automated card issuance, spending limit management, and deactivation tied to HR systems, Stitchflow provides the missing automation layer without the enterprise sales complexity.

Make Divvy workflows AI-native

Divvy has no native SCIM. We build complete offboarding, user access reviews, and license workflows across every app, including the ones without APIs.

Covers apps without native SCIM, including the ones without APIs
Less than a week, start to finish (~2 hours of your time)
Built with your team; extend to anything else in the company
Book a Demo

Technical specifications

SCIM Version

Not specified

Supported Operations

Not specified

Supported Attributes

SCIM provisioning not publicly documentedSSO not publicly documentedHR integrations with Workday and ADP available

Plan requirement

Not specified

Prerequisites

Not specified

Key limitations

  • SCIM provisioning not publicly documented
  • SSO not publicly documented
  • HR integrations with Workday and ADP available

Documentation not available.

Unlock SCIM for
Divvy

Divvy has no native SCIM. We still automate end-to-end workflows across every app, including the ones without APIs.

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Applications
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Divvy
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Last updated: 2026-01-11

* Pricing and features sourced from public documentation.

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