PEX review
Configurable cards, approvals and bill pay for organizations with varied spend needs.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
PEX pros and cons
- 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.
PEX fact sheet, pricing and score →
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