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First, we analyzed total cleared spend (over the last three months) to see who the most popular vendors are for Divvy customers. Next, we pulled out the top 20 vendors and separated spend totals by virtual card transactions and physical card transactions.

We calculated the percentage of total spend made up by virtual and physical purchases, then, ranked the vendors from highest virtual spend to lowest.

UPS had the second highest percentage of virtual spend overall—92% of all transactions—which was a bit surprising as they are primarily concerned with the delivery of physical goods. However, many shipping companies are making it easier for business customers to set up digital billing, facilitating an increase in virtual transactions.

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Physical cards were also favored for the majority of airline purchases, including Delta, Southwest, American, and United Airlines—likely for the same reason as Hotels.com

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