--- title: "PEX Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about PEX Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/153785/PEX/" page_type: "product" language: "en" --- # PEX Software Review 2026: Features, Integrations, Pros & Cons Last updated on August 20, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) PEX ## What is PEX? PEX allows customers to issue and manage cards for a wide variety of applications. PEX is a trusted, mature business with more than a decade spent listening to customers, servicing their industries, and understanding their markets. The platform’s key features and capabilities have been designed, built and refined in-house to address customer requirements. The platform instantly approves or declines purchases according to your settings. ## What is PEX used for? [Spend Management](https://www.capterra.com/spend-management-software/)[Payment Processing](https://www.capterra.com/payment-processing-software/)[Expense Report](https://www.capterra.com/expense-report-software/) Top alternative Featured Overall rating Based on 40 user reviews Reviews sentiment Positive 100% Neutral 0% Negative 0% Starting price $75 Flat Rate, Per Month Free trial available Includes Free Version Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for PEX?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.pexcard.com/?utm_source=capterra&utm_medium=referral&utm_campaign=capterra-profile&name=PEX) ## PEX Overview Updated August 2026 AI summary PEX enables organizations to manage company spending with features for payment processing, spend controls, and expense tracking. Designed for small, midsize, and enterprise businesses, it offers debit and credit card processing, ACH payments, and real-time reporting. Users value its intuitive dashboard and user interface, receipt management, and easy card administration, all accessible via cloud and mobile platforms. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### PEX 4.9 (40) VS. [4.3 (245)](https://www.capterra.com/p/225025/Plooto/reviews/) Starting Price $75 Flat Rate, Per Month Starting Price $32 Flat Rate, Per Month Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 5.0 (40) Ease Of Use 4.5 (245) Value For Money 4.9 (33) Value For Money 4.2 (223) Customer Service 4.7 (34) Customer Service 4.0 (211) ## PEX alternatives [4.3 (716)](https://www.capterra.com/p/76/Intacct/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [4.4 (3,318)](https://www.capterra.com/p/120109/Xero/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 88% of reviewers rated it above 4 stars Highest Rated [Tipalti](https://www.capterra.com/p/236980/Tipalti/) [4.5 (178)](https://www.capterra.com/p/236980/Tipalti/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/236980/Tipalti/) [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) [4.3 (8,512)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Starting price $38.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/190778/QuickBooks-Online/) [View all alternatives](https://www.capterra.com/p/153785/PEX/alternatives/) ## FAQs about PEX Overview ### Which roles and teams benefit most from PEX? PEX is most used by finance and accounting teams, office managers, and business owners who need tighter control over company spending. CFOs, controllers, and treasurers use it to track expenses and reconcile transactions, while operations and administrative leaders streamline purchasing, approvals, receipt collection, and budget oversight across teams. Answer based on 39 reviews Overview ### What company size and industries is PEX built for? PEX is built for organizations that need secure employee spending controls and scalable reporting, with strongest adoption among small businesses at 87%. It is used most in Religious Institutions at 15%, followed by Construction and Non-Profit Organization Management, each at 13%, while also serving midsize businesses at 10% and enterprises at 3%. Answer based on 40 reviews Features and Usability ### What are the key features of PEX? PEX offers payment processing features such as ACH payment processing, electronic payments, online and in-person payments, debit/credit card processing, and recurring billing. It also includes expense tracking, reimbursement management, corporate and prepaid cards, approval workflow, audit trail, bank reconciliation, reporting and analytics, and API and ERP integrations. Pricing ### How much does it cost and what fees or limitations are included? PEX starts at free with the Base plan, which includes up to 5 card accounts; extra cards cost $8 each. Core is $75/month for up to 20 cards, Pro is $200/month for up to 100, and Grants & Rewards is $399.95 one time for 3 years. A free version and free trial are available. Answer based on 7 reviews Integrations ### Which third-party tools and platforms does PEX integrate with? PEX integrates with over 20 third-party tools and platforms, including Aplos, QuickBooks Desktop, QuickBooks Point of Sale, Acumatica Cloud ERP, Blackbaud Financial Edge NXT, Bloomerang, Expensify, and Microsoft 365. It also connects with NetSuite, Google Drive, Google Sheets, Airtable, and Dynamics 365 Business Central. Answer based on 5 reviews Getting Started and Support ### What training and onboarding options does PEX offer? PEX provides live online sessions, webinars, documentation, and videos to help teams get started. Live online sessions and webinars support guided instruction, while documentation and videos offer written and visual reference materials for self-paced learning and setup. Getting Started and Support ### What customer support options does PEX offer? PEX provides Email/Help Desk, FAQ/Forum, Knowledge Base, Phone Support, 24/7 Live Rep, and Chat. Users describe support as polite and often able to resolve problems, though some note that phone interactions can involve miscommunication and may not solve an issue on the first call. Answer based on 3 reviews ## Features AI summary Based on 17,379 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) PEX supports all three of the features reviewers value most: **Data Security**, **Online Payments**, and **Debit/Credit Card Processing**. Together, these capabilities help businesses protect sensitive payment information, accept payments through digital channels, and process card transactions efficiently, allowing teams to manage payments with greater confidence and consistency. Data Security 4.7 (3) 33.33% of 3 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 4.5 (2) 0.00% of 2 reviewers that rated this feature as important or highly important Accept and process online payment transactions Debit/Credit Card Processing 4.8 (5) 60.00% of 5 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Mobile Payments 5.0 (1) 0.00% of 1 reviewers that rated this feature as important or highly important Clients can submit payments via mobile devices Expense Tracking 4.9 (13) 53.85% of 13 reviewers that rated this feature as important or highly important Monitor and record expenses such as purchases or charges incurred Receipt Management 4.8 (11) 36.36% of 11 reviewers that rated this feature as important or highly important Upload, track, and submit receipts in a central database PEX 53 features ### All Features - Accounting: Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. - Accounting Integration: Integrate with a third-party accounting system - Accounts Payable: Track money owed to a company's creditors/suppliers - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - Alerts/Notifications: Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges - API: Application programming interface that allows for integration with other systems/databases - Approval Process Control: Manage the process of evaluating documents or requests submitted for approval - Approval Workflow: Route documents and other data through one or more stakeholders for review and approval - Audit Management: Plan, schedule, and execute organization's accounts and assets to ensure compliance with policies and laws - Audit Trail: A record of all activities within the system, including user access, changes made, etc. - Bank Reconciliation: Compare and match accounting/financial records with corresponding bank statements - Budgeting/Forecasting: Create budgets based on historical data and future projections - Compliance Management: Track and manage adherence to policies for any service, product, process, or supplier - Corporate Card: Manage and track credit cards that are distributed to employees to use for authorized business expenses - Credit Card Management: Financial system that helps create and manage physical/digital credit cards and track transaction activities - Data Import/Export: Import and export data to and from software applications - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Electronic Payments: Electronically collect payments for goods or services - ERP integration: Integrate with existing ERP systems - Expense Tracking: Monitor and record expenses such as purchases or charges incurred - Financial Reporting: Generate reports to assess the financial performance of an organization - For Religious Organizations: Primarily serving churches and religious organizations - Generative AI: Use AI to generate content in the form of text, images, videos, etc. - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Mobile Access: Access software remotely via mobile devices - Mobile Payments: Clients can submit payments via mobile devices - Mobile Receipt Upload: Scan and upload receipts to a central database using a mobile device - Online Payments: Accept and process online payment transactions - Payment Reconciliation: Reconcile payments with corresponding invoices or orders for accounting purposes - PCI Compliance: Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) - Prepaid Cards: Bank cards with approved funds pre-loaded that employees can use for corporate purchases - Real-Time Analytics: Analyze and gain insights into data in real-time - Real-Time Data: Receive data and information in real time - Real-Time Monitoring: Active monitoring of systems, applications, or networks - Real-Time Notifications: Notifications that are delivered to users as soon as an event occurs - Real-Time Reporting: Active reporting of data and metrics - Real-Time Updates: Receive system updates as soon as any changes are made - Receipt Management: Upload, track, and submit receipts in a central database - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reimbursement Management: Manage compensation for out-of-pocket expenses incurred by an employee, client or another party - Reminders: Timed notification for any upcoming task, deadline, appointment, or activity - Reporting & Statistics: Collection, analysis, and representation of numerical data and generation of reports to understand various patterns - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Secure Data Storage: Securely stores data to prevent data loss or breaches - Spend Analysis: Review and uncover trends in spending activity - Spend Control: Set allowances and ensure employees don't spend more than the allotted amounts - Third-Party Integrations: Set up connections to third-party platforms to improve business processes - Time & Expense Tracking: Log and record hours worked and costs spent to assist in billing and invoicing - Transaction History: Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period - Transaction Monitoring: Monitor or audit historical and current transactions to analyze customer account activities - Workflow Management: Create, design and manage workflows for repetitive tasks --- Get Advice We can help you find the software with the features you need. Features 4.8 (40) 4.8 Based on 40 reviews ## Pricing Value for money 4.9 (33) Free Trial Free Version [View pricing plan details](https://www.capterra.com/p/153785/PEX/pricing/) Base $0.00 It includes: - 24-Hour Customer Support - Real-time Transaction Data - Receipt Capture and Approval - Batch Export of Receipts - Exports to QuickBooks and Xero - PEX Requests - PEX Notes - Automated Spending Rules - Automated Funding Rules Core $75.00 Flat Rate,Per Month It includes: - 24-Hour Customer Support - Batch Export of Receipts - Exports to QuickBooks and Xero - Real Time Transaction Data - Receipt Capture and Approval - Automated Spending Rules - Automated Funding Rules - PEX Notes - PEX Requests Pro $200.00 Flat Rate,Per Month It includes: - 24-Hour Customer Support - Batch Export of Receipts - Real Time Transaction Data - Receipt Capture and Approval - Exports to QuickBooks and Xero - PEX Requests - PEX Notes - PEX Tags - Automated Spending Rules - Automated Funding Rules - Program Sub-Accounts - PEX Velocity "Per Diems - Team/Group Management - Departmental Sub-Accounts Grants & Rewards Pricing $399.95 Flat Rate,One Time It includes: - 24-Hour Customer Support - Batch Exports of Transaction Data - Bulk Card Funding - Access to PEX Marketplace - Real Time Transaction Data - Exports to Accounting Softwares - Schedule Funding - Automated Spending Rules - Cardholder Mobile App - API Access - Custom Card Design & Mailer - Custom Accounting Integrations - Transaction Authorization Control - Custom Training - Solution Architecture Consultation - Visa's Zero Liability Policy Value for money 4.9 (33) 4.9 Based on 33 reviews ## Integrations [ Google Drive](https://www.capterra.com/p/161425/Drive/)[ Slack](https://www.capterra.com/p/135003/Slack/)[ Microsoft Excel](https://www.capterra.com/p/176574/Excel/)[ Microsoft 365](https://www.capterra.com/p/227157/Microsoft-365/)[ Google Sheets](https://www.capterra.com/p/169718/Google-Sheets/)[ QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[ Xero](https://www.capterra.com/p/120109/Xero/)[ Zapier](https://www.capterra.com/p/130182/Zapier/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.7 (34) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.7 (34) 4.7 Based on 34 reviews ## User reviews Overall rating 4.9 Based on 40 reviews Filter by rating 5(35) 4(5) 3(0) 2(0) 1(0) Mentioned topic Sorted by most recent JT Janette T. President Construction ### "Highly Recommend" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 August 16, 2024 This is an updated review. We had some issues in the beginning, and struggled to get the assistance we needed. Management stepped in and assisted. When I communicated the issues I was having, I was assured they would address with their employee how to better handle any potential customer needs. Since then, everything has been wonderful! Customer service is great, and the product performs just as it should. I do recommend this product! Pros I love that my wires get posted and funds can be used same day. The previous product we used would take a day to post and be available. Cons We had a rocky beginning, it took awhile for us to get approved. Switched from [Bento for Business](https://www.capterra.com/p/144213/Bento-for-Business/) They stopped offering the service, we had to find another card. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. PD patrick D. CFO Health, Wellness and Fitness ### "User friendly" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 May 30, 2024 Pros easy to create cards and set up rules, vendors cards Cons for know it looks perfect, maybe suggestions will come later after we use it for couples months Switched from [Bento for Business](https://www.capterra.com/p/144213/Bento-for-Business/) Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor June 10, 2024 Thank you for your feedback! We're glad to hear that PEX has been easy to implement & look forward to hearing more as you explore the features and integration capabilities of PEX! DF Danny F. Controller Transportation/Trucking/Railroad ### "PEX for Small Business" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 29, 2024 Pros The usability of the cards and dynamic functionality of the merchant codes create a great environment for control and spend management. Cons Shipping of the physical cards was a little lengthier than we would have liked. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor June 10, 2024 Thank you for your feedback. We're delighted to hear that you find the usability of the cards and the dynamic functionality of the merchant codes beneficial for control and spend management. We apologize for the delay in shipping the physical cards and appreciate your patience. SM Shannon M. Treasurer Non-Profit Organization Management ### "PEX is great!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 March 22, 2024 Pros Ease of use of the product and great customer service! Cons So far, I am pleased with everything and have no cons. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor June 10, 2024 Thank you so much for your positive feedback! We're thrilled to hear that you find PEX easy to use and that our customer service meets your expectations. Your satisfaction is our top priority, and we're always here to help if you need anything. JV Janine V. Accountant Education Management ### "PEX Review" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 March 6, 2024 Pros We are a large company with several cards. I really appreciate the direct connection with our account manager \[sensitive content hidden\]. He is always happy to help us with issues that arise, questions or concerns. Cons Inability for cardholders to code expenses to our GL. Having to transfer bank funds to cards vs having an open line of credit. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor June 10, 2024 Thank you for your feedback! We're glad to hear that our service meets your needs and that your account manager has been helpful. We value your business and are committed to providing excellent support. WB Wahhaba B. Program Director Religious Institutions ### "Love my new PEX card" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 February 25, 2024 Overall it's been great - super convenient for me as a user and I believe our admin and bookkeeper are also enjoying the convenience. Pros It was easy to set up and easy to use, and I love the dashboard because I can see my exact balance at any time. It's so convenient to scan my receipts in and they go right to our bookkeeper, and I can see them later on the app when I need to review them. Cons I didn't like having to add yet another app to my phone, but turns out it's well worth it. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor June 10, 2024 Thank you for your wonderful feedback! We're thrilled to hear that you found the setup and usage easy, and that the dashboard and receipt scanning features are convenient for you. We understand the hesitation about adding another app, and we're glad to know it has been worth it. It's great to hear that both you and your admin/bookkeeper are enjoying PEX. KS Kathy S. CEO Professional Training & Coaching ### "Easy to manage!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 February 10, 2024 GREAT! They are very helpful and responsive to inquiries or issues that have come up. It's really been EASY! Pros It is very flexible and can fit almost any need. From employees to independent contractors. It gives you control over each card, easy to manage online or in the app. Add funds, delete funds, freeze cards, etc and your actions are immediate! Easy to order cards too. Cons That the debit card doesn't tie directly to our account and during heavy use time we have to watch our balance to be sure we have enough funds available overall to add to individual cards. But this is not hard to do, just the thing I like least. Reasons for choosing PEX The control we have over the individual card. An issue with one card doesn't effect another card holder. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor June 10, 2024 Thank you for your feedback! We're glad you find our system flexible and easy to manage. We appreciate your note about monitoring the balance during heavy use and will consider this in future improvements. PC Paul C. Owner Consumer Services ### "Easy to use and straight forward" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 28, 2024 Pros I love how easy it was to setup and how easy it is to maintain the cards. Can't beat the pricing either. Cons Have only been using the service for a few months, but haven't experienced any cons yet. It works for exactly what we need it to do currently. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor June 10, 2024 Thank you for your positive feedback! We're delighted to hear that you found the setup and maintenance of the cards easy, and that you appreciate our pricing. KM Karina M. Office manager Construction ### "Easy Setup process and great expense tracking " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 December 26, 2023 Overall experience was great and easy. This is very convenient. Pros The setup process was very easy and the platform is user friendly. We’re able to track the expenses on time and reloading the cards is extremely easy and fast. The complete process was smooth and the cards work great. Cons So far we have not had any issues or cons with PEX. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor June 10, 2024 Thank you for your feedback! We're thrilled to hear that you found the setup process easy and the platform user-friendly. It's great to know that tracking expenses and reloading cards have been smooth and efficient for you. LB Lisa B. Representative Payee Non-Profit Organization Management ### "PEX is BEST!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 November 28, 2023 Sterling has been with PEX for a number of years, and the cards are easy for my clients to use and understand, with their limited abilities. Pros Excellent communication and response time to any questions or concerns. Cons Minor problems with getting new changes to procedures in documenting suspicious activity-but that was cleared us with one phone call to my Customer Success Manager. Reasons for choosing PEX Customer Service and Ease of Use and Cost better than other companies Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Response from Vendor June 10, 2024 Thank you for your feedback! We're pleased to hear that you appreciate our communication and response times. We apologize for any initial issues with new procedures, but we're glad to know they were quickly resolved with the help of your Customer Success Manager! [View all Reviews](https://www.capterra.com/p/153785/PEX/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.