DiviPay vs  Load&Go

DiviPay vs Load&Go

Fast growing companies don’t have time for Load&Go cards. They use DiviPay.

Trusted by Australia's fastest growing businesses

Michael Hill
C3 People
We are Social
Uniting Agewell
Rated 5 stars on the Xero marketplace
3 seconds

Average time it takes to issue a new card with DiviPay


Reduction in expense admin seen by businesses using DiviPay


Transaction fee for payments made in AUD

DiviPay comes with everything you need to streamline spending. Load&Go doesn’t.

Prepaid Cards
Virtual Cards
Automatic Top-ups
Top-up Requests
Real-time Transaction Feed
Budget Management
Mobile Receipt Capture
Automated Expense Reports
Subscription Management

Why people choose DiviPay over Load&Go

Virtual card on mobile app background

Issue corporate cards in seconds not weeks

It takes weeks for your Load&Go cards to arrive in the mail. With DiviPay you can issue unlimited virtual corporate cards to anyone who needs one in seconds. All with just a click of a button.

Understand the whole picture with our data-rich transaction feed

Load&Go’s transaction history doesn’t show you the expense data you need to accurately review company spending. With DiviPay you’ll be able to see merchant, amount, date, staff member, GST, category, budget and more from our powerful transaction table.

Transaction table

Stay in control from afar with automatic top-ups

Reloading a Load&Go takes up to 48 hours for the top-up to complete. With DiviPay you can automatically top-up cards to specific amounts every week, month or year.

Collect receipts, categories, and business codes and save hours.

Managing expenses requires more than just a card. Which is why businesses that use Load&Go also need to buy expense management software. Whereas DiviPay combines cards with automated expense reporting, saving you hours of expense admin.

Built for and trusted by

Sales Managers

Deanna Shim DiviPay testimonialPattern background

Dealing with physical cards was slowing us down. DiviPay changed that by letting me issue staff members with a virtual corporate card instantly. I love that I can move money around the card or approve top ups instantaneously. Our cards are automatically topped up each week without any intervention. Now I’m in control of the charity’s expenses without having to think about them every day.

Deanna ShimDignity Homeless Services

Access thousands of dollars of exclusive rewards

Load&Go cards do not provide any rewards. With DiviPay you get access to thousands of dollars of exclusive discounts whenever you need.

Learn more about DiviPay Rewards

Credit card lock icon

Financial Security

DiviPay has been designed from the ground up to keep you safe

256 bit data encryption

We use 256 bit encryption to protect the information that you entrust us with and store it within highly secure AWS data centres located in Australia.

Continuous fraud prevention

We use the latest fraud detection and AI technology to analyse user behaviour and immediately block any suspicious activity.

PCI-DSS certified providers

Your payment details are tokenised and securely stored with our PCI-DSS certified banking partner.

Replace at-risk cards instantly

If you're worried a virtual card has been compromised you can delete it and instantly replace it with a new one.

Zero Liability Protection

You will not be held responsible for unauthorised transactions and we will seek to reverse the transaction under Mastercard’s Zero Liability Protection scheme.

Secure funds storage

Funds are securely held in trust at an Authorised Deposit Taking Institution (ADI).

Single Sign On (SSO)

Enforce SSO and ensure staff members securely login to DiviPay through your approved SAML and OIDC identity providers.

Session timeout

Web sessions will automatically timeout to ensure accounts on unattended or stolen devices remain secure.

FAQ Icon


Why should I choose DiviPay over Australia post Load&Go cards?

With DiviPay you can instantly issue prepaid cards to your staff without having to wait for a physical card to arrive in the mail. Unlike Load&Go cards, DiviPay allows to track spending in detail with a data-rich transaction table and automatically top-up cards to specific amounts every week, month or year. Whilst automated expense reporting saves you hours of expense admin.

What is DiviPay?

DiviPay is an all-in-one virtual card and expense management tool that helps businesses instantly issue virtual cards, control spending before it happens and automate their expense reporting. Managers create budgets to set spending rules and ensure that payments can only be made if they are within the company’s expense policy. Each member of a budget is instantly issued with a virtual card that can be used for both online or in-store payments. DiviPay automatically captures merchant info, GST and expense categories for every payment and exports all expense data into your accounting software. DiviPay is used by Australia’s leading businesses to manage and control spending.

Does every team member get their own virtual card?

Yes, each team member will receive a unique virtual card once they have been added to a budget.

How much does DiviPay cost?

DiviPay starts at $6 per user per month. Each plan has a different per user per month fee that is determined by the number of payments made each month and expense management features you have access to.

All plans are exclusive of GST and have a 2.99% FX conversion fee on transactions made in a foreign currency.

How much time and money does DiviPay save me on expense management?

DiviPay reduces the time you spend on expense management by up to 90% each month. Even if you only make a few transactions a month DiviPay can save you hours and thousands of dollars in time every year.

How long does it take to set up DiviPay and get started?

You can sign up to DiviPay and create your first virtual card in less than 15 minutes.

To complete sign-up, you will need to;

  • Provide basic information about your Business, such as your ABN and registered business address
  • Verify the beneficial owners of your business. A beneficial owner is anyone that owns 25% or more of the entity.

Issue your first virtual corporate card today

DiviPay vs Load&Go