Brex
AI captures and matches receipts, suggests GL coding, writes memos, flags duplicates and policy breaches, and reads incoming vendor invoices for bill pay.
Corporate cards, expense management, bill pay and a business account in one platform, with no software fee on the entry plan.
- Starting price
- Free; Premium $12 / user / month
- API
- Yes, REST APIs for accounting, budgets, expenses, payments, team, transactions and travel, with webhooks, plus an official MCP server at api.brex.com/mcp
- Users
- More than 35,000 companies, per the vendor
Overview
Brex is a spend management platform built around a corporate card programme, not a ledger of its own. It issues physical and virtual cards accepted in more than 120 countries, with the spending policy written into the card controls, so an out-of-policy transaction declines at the swipe. Bill Pay reads incoming vendor invoices, matches them against purchase orders, routes them for approval and pays by ACH, wire, check or virtual card. A business account, treasury and travel sit alongside, and transactions sync to NetSuite, QuickBooks, Xero and Sage Intacct.
Our take
Brex is unusual in this category for asking to hold the money as well as manage the spend: the business account, the money market treasury and the vault sit as centrally as the card itself, so a company that wants expense software alone leaves a large part of the product idle. That bundling is what pays for an entry plan with no licence fee, and the real calculation is whether moving cards and banking across is worth more than the fee saved. The centre of gravity remains venture-backed US startups and the platform is built around US incorporation, so a company based elsewhere should check eligibility before going far. Either way the ledger stays where it already is, because Brex feeds an accounting system rather than replacing one, and the MCP server is the part that will matter most to a finance team already working through an assistant.
Key Facts
| Category | |
|---|---|
| Starting price | Free; Premium $12 / user / month Essentials carries no software fee. Premium is 12 dollars per user per month. Enterprise and Smart Card are priced on request. |
| API | Yes, REST APIs for accounting, budgets, expenses, payments, team, transactions and travel, with webhooks, plus an official MCP server at api.brex.com/mcp |
| Users | More than 35,000 companies, per the vendor |
| Hosting | Cloud (SaaS) |
| Made in | United States |
Screenshots
Placeholders. They are replaced as soon as the vendor sends material, and both open the same short form.
Features
- Invoicing and quotes
- Incoming vendor invoices only: AI invoice capture, two-way matching against purchase orders, approval routing and payment by ACH, wire, check or virtual card
- Bookkeeping and bank feeds
- No general ledger of its own; transactions, categories and receipts sync to NetSuite, QuickBooks, Xero and Sage Intacct
- Expenses and receipts
- Yes, corporate cards with policy enforced at the swipe, AI and OCR receipt capture, auto-generated receipts for common merchants, and reimbursements in more than 40 countries
- Tax and compliance
- VAT tracking is switched on by Brex Support and then captures the tax portion of a transaction apart from the tax-inclusive total and exports it to the ERP, supported for the NetSuite, Oracle Fusion and Custom Accounting integrations, with Canadian GST, PST, HST and QST handled the same way. On the vendor side, W-9 forms are collected and stored, vendors are flagged 1099 eligible and that data is exported at year end for filing elsewhere. Brex does not issue 1099-Ks
- Payroll
- No pay runs of its own. More than 40 HRIS and payroll systems connect, among them Gusto, Rippling, ADP Workforce Now, Paychex, Paylocity, Justworks, TriNet, Deel, Personio and Workday, and the connection provisions people and automates card issue and spend limits rather than paying them. Funding the run is covered by reverse wires, which let a provider such as ADP, Gusto or Sequoia One pull from the Brex business account as a wire instead of an ACH debit
- Reports and exports
- Yes, real-time spend reporting with custom filters and live budgets, plus AI-assisted GL coding, duplicate detection and memo generation
- Integrations and API
- Yes, REST APIs for accounting, budgets, expenses, fields, onboarding, payments, team, transactions and travel, with webhooks and an official MCP server
Integrations
- NetSuite
- QuickBooks
- Xero
- Sage Intacct
- Slack
- Gusto
- Rippling
- ADP Workforce Now
- Workday
Deployment and Support
- Deployment
-
- Cloud (SaaS)
- Browser-based
- Support
-
- Phone
- Chat, 24/7
- Community forum
- Onboarding
-
- Documentation and knowledge base
- Company size
-
- Small and mid-sized
- Enterprise
Suitability
| Industry | Freelancers | Small and mid-sized | Enterprise |
|---|---|---|---|
| Agencies | Not stated | Not stated | Not stated |
| Architecture & Engineering | Not stated | Not stated | Not stated |
| Consulting | Not stated | Not stated | Not stated |
| Media & Creative | Not stated | Not stated | Not stated |
| Technology | Not stated | Stated as a fit | Stated as a fit |
The table combines the industries the vendor addresses with the company sizes the tool is aimed at. An empty cell means the combination is not stated, not that it is ruled out.
Pros and Cons
Strengths
- Essentials carries no software fee, so the entry plan is usable indefinitely rather than for a trial period
- Cards accepted in more than 120 countries, payments in more than 30 local currencies and reimbursements in more than 40 countries
- Official MCP server, so an AI assistant can act in the account under the user's own permissions
- Business account with free same-day ACH, domestic wires and checks, and up to 6 million dollars of FDIC coverage through the vault
Limitations
- No general ledger, so an accounting system is still needed alongside
- Built around US incorporation, which narrows eligibility for companies without US operations
- The economics rest on running card spend through Brex, so a company keeping its cards elsewhere gets less from it
- Enterprise and Smart Card are priced on request, so the top of the range is not published
Pricing
-
Essentials
$0
Per user per month. Global card acceptance, AI-powered spend rules, accounting integrations, real-time reporting and bill pay.
-
Premium
$12
Per user per month. Adds multiple customisable expense policies, dynamic review chains, AI compliance detection, advanced approvals, multi-entity support and live budgets.
-
Enterprise
Not stated
Priced on request. Adds unlimited entities, local card issuance, a named account manager, an admin centre and customisable implementation services.
-
Smart Card
Not stated
Priced on request. Global cards, local-currency cards in more than 50 countries and merchant card controls.
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What users say
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