Brex

Brex sits between a traditional bank card programme and a full AP automation platform like BILL, giving small and mid-sized firms corporate cards with automated expense rules, bill pay, and reimbursements on a free base plan. The Essentials tier covers up to two entities with no per-seat fee.

Cards carry per-employee and per-vendor spend controls. Expenses match to receipts automatically, and rules can flag or auto-approve transactions based on merchant category, amount, or internal policy. Bill pay handles invoice upload, approval routing, and payment execution. Brex works with QuickBooks, Xero, NetSuite, and major HRIS platforms.

The Premium plan at $12 per user per month adds customisable expense policies, dynamic approval chains, AI compliance detection, multi-entity support, and deeper ERP and HRIS connections. Enterprise pricing covers unlimited entities, local card issuance in more than 50 countries, and dedicated implementation support. A separate Smart Card product targets global businesses that need custom card programmes.

For a small firm managing client expenses, the daily workflow centres on card controls and automated receipt matching. You set per-employee or per-vendor limits, and Brex flags anything outside policy before it reaches the books. Receipts attach from forwarded emails or the mobile app, reducing the end-of-month chase for missing documentation.

Firms that manage three or more entities, or that need HRIS-driven expense rules, will need the Premium tier. For practices already using Ramp or BILL, the deciding factor is usually which platform connects more cleanly to the client's existing ledger.

Brex has an accountant partner directory but does not publish referral fees publicly. Firms interested in the programme apply through the Brex partner portal to get rate specifics. Brex is primarily US-based but issues cards globally for international businesses.