# PEX Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is PEX the right Payment Processing solution for you? Explore 40 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/153785/PEX/reviews --- PEX 4.9 (40) [View alternatives](https://www.capterra.com/p/153785/PEX/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of PEX Ease of use 5.0 Customer Service 4.7 ## Pros and Cons in Reviews BS Brian S Director of AdministrationReligious Institutions, 11 - 50 employeesUsed the software for: Less than 6 months. “Our staff find the cards easy to use for in-person or online purchases and maintaining and matching receipts is very easy. “ July 12, 2023 BS Brian S Director of AdministrationReligious Institutions, 11 - 50 employeesUsed the software for: Less than 6 months. “The administrator capabilities are intuitive and well organized. “ July 12, 2023 ## Showing most helpful reviews Showing 1-25 of 40 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Stephen P. Manager, Production Finance Entertainment Used the software for: 6-12 months ### "Completely revolutionized the way we track spending on film productions" January 24, 2019 5.0 Pros In the past we used 3" Binders, Paper, tape and Excel to track every expense on our 30+ projects a year. End Users hated the antiquated process, so did our Supervisors and we were running out of valuable space to store/find binders. Enter PEX which captures expense data automatically and has mobile photo uploads of receipts, completely revolutionizing our process. Cons Some vendors/film crew do not have the ability to accept credit/debit cards/online payment processors and instead prefer check or cash. Adding the ability to cut/mail checks like a standard Bill Pay offered by most major banks or ability to withdraw cash at an ATM would help keep all expense tracking under one platform! Review Source JT Janette T. President Construction Used the software for: Less than 6 months ### "Highly Recommend" August 16, 2024 5.0 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 HI Howard I. Managing Partner Law Practice Used the software for: 2+ years ### "Does the job" May 1, 2023 4.0 Seems very worthwhile so far. Pros I like the new vendor card function. There are a few issues but this is a developing product that we have started to embrace. Cons Difficulty setting up some vendor accounts Review Source MD Mark D. Business Analyst Renewables & Environment Used the software for: 2+ years ### "PEX Cards: Simplifying your Employee Purchases" October 18, 2019 5.0 Excellent. Setup, support and adding users is a breeze. Pros It is simple to use and saves so much accounting time to track employee purchases. We used to spend days collecting receipts, figuring out who made the purchases and which GL Account they should hit. Plus we had tons of digital copies of receipts all over the place taking up valuable space on our drives. Cons I can't think of anything that we didn't like Alternatives considered [Expensify](https://www.capterra.com/p/97594/Expensify/) Reason for choosing PEX It had some good controls like limiting cards to only purchase fuel for our installers. Review Source pD patrick D. CFO Health, Wellness and Fitness Used the software for: Less than 6 months ### "User friendly" May 30, 2024 5.0 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 Review Source Response from PEX 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! CM Clifford M. CFO Hospital & Health Care Used the software for: 2+ years ### "Happy User since 2015" September 25, 2023 5.0 Overall, PEX has been the perfect solution for our operations and we don't even take advantage of all the various features. We have dozens of card holders over several organizations and the ability to get the cards we need (without employee credit checks) and set the balances as low or high as we want depending on the situation has been a perfect fit. Pros The web interface is very easy to use. Ordering cards is simple and access to statements and transactions is very timely. PEX has really improved their fraud detection over time and it has caught issues and blocked them several times in recent years. Cons Sometimes customer support is challenging. Depends on who you get on the other end of the phone. Because of miscommunication, issues are not always resolved after the first call. However, I have always found the customer service reps to be polite. Review Source Response from PEX June 10, 2024 Thank you for your positive feedback! We're pleased to hear that you find the web interface easy to use, and that ordering cards and accessing statements is simple and timely. We're glad that PEX's fraud detection has improved over time and has been effective in catching issues. LB Lisa B. Representative Payee Non-Profit Organization Management Used the software for: 2+ years ### "PEX is BEST!" November 28, 2023 5.0 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. Reason for choosing PEX Customer Service and Ease of Use and Cost better than other companies Review Source Response from PEX 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! KS Kathy S. CEO Professional Training & Coaching Used the software for: 2+ years ### "Easy to manage!" February 10, 2024 5.0 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. Reason for choosing PEX The control we have over the individual card. An issue with one card doesn't effect another card holder. Review Source Response from PEX 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. SC Steve C. Treasurer Religious Institutions Used the software for: Less than 6 months ### "Using PEX with Aplos for Church Accounting" May 30, 2023 5.0 After a month of use, moving card holders from credit cards to PEX cards, has been extremely well accepted by card holders. Pros 1 - As Treasurer, I now reconcile 1 PEX account instead of 4 credit card accounts.2 - I can confirm correct Fund account (non-profit using Fund Accounting) as expenses are incurred and approved. Cons The difference between card Activation and card Registration for new card holders could be made clearer to this Administrator. Reason for choosing PEX PEX was, and is, a partner with Aplos, our church accounting software. We received 5 free cards which fits our small church perfectly. Review Source Response from PEX June 7, 2023 Thank you for your review Steve! We are pleased that you've had a positive experience with PEX so far. We look forward to continuing to work with you and your organization in the future. KY Kari Y. Office Manager Utilities Used the software for: Less than 6 months ### "Tracking Expense made Simple" August 11, 2023 4.0 We have only been using PEX for a few months now but it is easier than the other card system we had. Our company is pleased with the ease of the card. They work fast which saves our drivers time and the company money. Pros PEX is very simple to use. We give each driver their own card to use each day and it makes it very simple for the office to track where the expenditures are going on each route, each truck and every driver to use. Cons We switched from BizNOW Cards to PEX so it was just a matter of getting each driver familiar with it. Reason for choosing PEX PEX was quick and easy to set up. So far PEX has been able to do what we need done and it works with our accounting system so that we are not having to do double entries. Review Source CB Cathryn B. Accountant Non-Profit Organization Management Used the software for: 2+ years ### "One of the best decisions we made" February 6, 2019 5.0 This has helped us track our spending and actually get our receipts. Something we struggled with for years. Pros Can Instantly add money to a card, or remove it. Can determine where the money can be spent. Cons When there is fraudulent activity you don't receive the funds back until the case is investigated and decided in your favor. Review Source Response from PEX August 29, 2019 Thanks for your review. So glad PEX could help your organization grow more streamlined and simplified, Cathryn! SM Shannon M. Treasurer Non-Profit Organization Management Used the software for: Less than 6 months ### "PEX is great!" March 22, 2024 5.0 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 Response from PEX 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. DD Dawn D. President Construction Used the software for: 1-2 years ### "Efficient " January 30, 2019 5.0 We use PEX as per diem cards for traveling employees. It is very convenient when a sudden trip comes up & we can load the card from anywhere. Pros Very easy to manage. Not complicated at all. Cons I honestly can't think of a negative issue that we've had to deal with. Review Source VR Verified Reviewer Freelance Internet Used the software for: Less than 6 months ### "Lo ideal para administrar tu dinero" November 11, 2022 4.0 Pros Es sumamente sencillo de utilizar, ademas de que su interfaz es bastante limpia y agradable visualmente, ademas de su excelente rendimiento. Cons No encuentro realmente ningun punto en contra, lo cual es un muy buen indicio. Review Source JR Jeanette R. VP of Operations Real Estate Used the software for: 2+ years ### "Recommend PEX Cards for Ease of User" May 8, 2023 5.0 Pros PEX Card is easy to use and reconcile receipts. Fast processing for card funding. Complete expense control through set up, restrict certain purchases by users. Cons Sometimes it takes longer than anticipated for a new card to be received in the mail. Had to order multiple cards before because cards were not being received. Reason for choosing PEX Can attach multiple bank accounts. No restriction on number of active cards/users. Easy to set up administrators. Review Source CS Cody S. Staff Accountant Hospital & Health Care Used the software for: 2+ years ### "We love PEX" May 15, 2023 5.0 Spend management, audit trails, and reporting are critical to our accounting functions. We have control of all 3 with PEX and it is so easy to use. Pros PEX is great for our business. We issue hundreds of cards and are able to easily control and manage each card with only 1 person at the helm. The reporting is fantastic and easy to use. Cons We really have no cons with PEX. The only complaint we have is that it is not yet compatible with our accounting software. But they do have connectivity to many softwares, so I would put the blame on us for using older software.X! Review Source JV Janine V. Accountant Education Management Used the software for: 2+ years ### "PEX Review" March 6, 2024 4.0 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 Response from PEX 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. TB Tonia B. Accountant Non-Profit Organization Management Used the software for: 2+ years ### "Pleased with Pex!!" October 30, 2023 5.0 We use this for ease of interface with accounting software, and not having employees use credit cards. Pros The ease of employees to upload reciepts and code their transactions. Love the interface with Aplos! Cons I can't think of anything to write about for this question. Review Source Response from PEX June 10, 2024 Thank you for your positive feedback! We're glad to hear that employees find it straightforward to upload receipts and categorize their transactions. Additionally, we're pleased that you appreciate the interface integration with Aplos! DF Danny F. Controller Transportation/Trucking/Railroad Used the software for: Less than 6 months ### "PEX for Small Business" March 29, 2024 5.0 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 Response from PEX 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. BS Brian S. Director of Administration Religious Institutions Used the software for: Less than 6 months ### "PEX is a great tool for your employees and company" July 12, 2023 5.0 PEX really streamlines our processing of purchases made using the PEX cards through its integration with APLOS. This saves many hours of work time for our team. Pros We utilize PEX in conjunction with APLOS accounting software. They are a match made in heaven and integrate together pretty seamlessly. Our staff find the cards easy to use for in-person or online purchases and maintaining and matching receipts is very easy. The mobile app further enables functionality. The administrator capabilities are intuitive and well organized. Ordering new cards and inactivating cards is a snap. Finally, you have the option of either heavily managing user card usage or almost turning usage on auto-pilot and everything in between. It is easily tailored to your comfort level and policies. Cons I can't really come up with any other than perhaps a few vendors such as rental car facilities don't accept debit cards and that the daily use per card is $5,000, but very few transactions exceed that amount. Reason for choosing PEX The primary reason was the integration with APLOS. If you use APLOS you definitely want to use PEX. Review Source KM Karina M. Office manager Construction Used the software for: Less than 6 months ### "Easy Setup process and great expense tracking " December 26, 2023 5.0 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 Response from PEX 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. JN Jennifer N. Finance & Operations Manager Religious Institutions Used the software for: 2+ years ### "PEX is a great alternative to reimbursement checks for regular volunteers" September 30, 2020 5.0 Having a PEX account has allowed key ministry volunteers to have a set amount of funds to use toward their ministry needs without the need for reimbursement checks or handing out too many credit cards. I would caution that recordkeeping is easiest when an individual only needs to use the card for a single expense account area. Pros PEX is very intuitive to set up and use. It is easy to navigate the process of requesting a card for a new user, initiating a transfer, funding individual cards, and closing accounts. Receipts can be easily uploaded on the app by the cardholders so they don't have to turn in physical receipts for recordkeeping purposes. Cons I wish transfers didn't take four business days to complete. Regular transfers are free, but it would be nice to have an Instant Transfer option even if there were a small fee involved for times when a last minute need arrises. Review Source SN SUZY N. Finance Events Services Used the software for: 1-2 years ### "Great Debt Free Resource" September 12, 2019 5.0 Pros We love PEX because we can fund employee company spending debt free. We can control how much each employee is allowed to spend, on what and where. Customer service is fantastic and very responsive. Cons The only CON is the delay in funding the account. You really have to plan ahead do account for the 4 day delay. Review Source Response from PEX September 17, 2019 Thanks for reviewing, Suzy. PEX offers a Same-Day ACH transfer option, and we are checking to find out if your account qualifies based on your bank. This is a faster transfer option which takes as little as a few hours within the same business day. Glad we could help your event business run smoothly! KK Katie K. Office Manager Construction Used the software for: 2+ years ### "Keeps our Costs down, and our Crews Funded!" August 28, 2019 5.0 Pros With 9 Crews on the road PEX is the lifesaver that keeps them funded for daily job needs, but keep our costs in check. With Daily Spend rules and limits, we can control how much is being spent each day. One less thing to worry about during the day to day grind! Very easy to set up and use. Crews use it just like a credit card. Cons Takes 1-2 weeks to get new cards. No issues other than that. Review Source PB Paul B. Executive Director Hospitality Used the software for: 2+ years ### "Great cash management tool" January 24, 2019 5.0 Anytime I've had to work with a customer service rep I've got my problem resolved. Love the software and the service Pros I love how easy it is to use for both my users and my administrators. It's been very easy to manage each card separately without having to call in and wait on somdone to do it for me. What used to take a lot of time now can get done in seconds. Cons The cards are magnetic stripe cards. not sure if new users are getting the chips or not but that would be a great upgrade. Review Source Response from PEX January 30, 2019 Thanks for your review, Paul. We will be rolling out chip cards in 2019. Stay tuned! 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