PEX
PEX: Configurable cards, approvals and bill pay for organizations with varied spend needs. Ranked #14 of 30 in Spend Management Software by our editors (7.5/10); pricing: Free plan; best for large organizations needing configurable card programs.
At a glance
- Editor score7.5 / 10
- PricingFree plan
- Best forLarge organizations needing configurable card programs
- Free planYes
- Approval workflowsYes
- Founded2006 · New York City, New York, United States
- Facts checked19 Sep 2026
Where it wins
- Set card limits by category, amount or timeframe, with approval workflows.
- Issue physical and virtual cards and monitor transactions in real time.
- Connect expense management and bill pay with accounting integrations and an API.
Where it doesn't
- Additional card and reimbursement fees vary by plan.
- Base includes up to 5 free card accounts; larger programs need another plan.
- Only entities organized and registered in the United States may apply.
Our verdict on PEX
PEX brings card programs, expense workflows and bill payment into one spend-management platform. Administrators can issue physical and virtual cards, set limits by category, amount or timeframe, approve funding requests, and monitor transactions in real time. Employees can capture receipts through mobile, text or email, submit expense reports, and request reimbursements. The product suits organizations that need configurable controls across employee spending and vendor payments, especially larger teams managing multiple types of spend.
The plans differ in included card accounts and reimbursement allowances. Base is listed at $0 per month and includes up to 5 free card accounts; additional cards cost $8 each, while each employee reimbursement costs $1 per ACH payment. Core includes up to 20 free card accounts and up to 20 reimbursements, with additional cards at $4 each and reimbursements beyond the included amount at $1 per ACH payment. Pro raises those allowances to 100 free card accounts and 100 reimbursements, with additional cards at $2 each and extra reimbursements at $1 per ACH payment. Credit Expense has no setup or subscription fees, offers a corporate charge card and up to 1% back on eligible purchases. Disburse includes 50 cards free, with additional cards at $5 each. Buyers should compare expected card and reimbursement volume against those plan limits.
PEX’s breadth is a fit for organizations that want card controls, reimbursements, vendor-specific virtual cards, recurring payment controls and accounts-payable bill payment by ACH or virtual card. Accounting integrations include QuickBooks, Sage Intacct, NetSuite, Microsoft Dynamics, SAP Concur and Xero; Zapier and API access add connection options. Web, iOS and Android support cardholder access. The U.S.-only application requirement limits its fit for organizations registered elsewhere. Choose PEX when configurable card programs and spend workflows are central; organizations seeking a simpler, narrower expense tool may prefer an alternative.
Your product? Our editors can test PEX in depth and publish a review, labelled as paid · from $149/mo →
PEX pricing
PEX fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Budget controls | Yes |
| Approval workflows | Yes |
| Corporate cards | Yes |
| Bill pay | Yes |
| Expense reimbursements | Yes |
| Multi-currency support | Not verified |
| Card issuance | Both |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Integrations | 7 integrations: QuickBooks, Sage Intacct, NetSuite, Microsoft Dynamics, SAP Concur, Xero … |
| Pricing | Free plan (source) |
| Website | pexcard.com |
| Facts checked | 19 Sep 2026 |
PEX integrations
PEX lists 7 integrations on its own site.
- QuickBooks
- Sage Intacct
- NetSuite
- Microsoft Dynamics
- SAP Concur
- Xero
- Zapier
Alternatives to PEX
- RhoRho brings cards, expense workflows, reimbursements, and bill pay into one free platform.9.4
- BILL Spend & ExpenseA free card and expense platform with accounting sync, subject to card and payment fees.9.2
- Zoho SpendA broad spend suite spanning expenses, cards, procurement, invoices, and budgets.9.0
Also Ranked In
PEX is ranked in 2 of our directories.
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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