# PEX Software Pricing, Alternatives & More 2026 | Capterra

> With the help of Capterra, learn about PEX Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more.

Source: https://www.capterra.com/p/153785/PEX

---

# 

 PEX Software Review 2026: Features, Integrations, Pros & Cons

Last updated on March 13, 2026

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.

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[Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[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

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/&name=PEX)

## 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 (638)](https://www.capterra.com/p/76/Intacct/reviews/)

Starting Price

$75

Flat Rate, Per Month

Starting Price

Contact vendor

Free Trial

Free Version

Pricing Options

Free Trial

Free Version

Ease Of Use

5.0 (40)

Ease Of Use

4.2 (564)

Value For Money

4.9 (33)

Value For Money

4.0 (473)

Customer Service

4.7 (34)

Customer Service

4.0 (504)

## PEX alternatives

[4.4 (672)](https://www.capterra.com/p/163115/Zoho-Books/reviews/)

Starting price

$20.00

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

89%

of reviewers

rated it above 4 stars

Highest Rated

[webexpenses](https://www.capterra.com/p/140646/webexpenses/)

[4.5 (1,105)](https://www.capterra.com/p/140646/webexpenses/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

93%

of reviewers

rated it above 4 stars

[Learn More](https://www.capterra.com/p/140646/webexpenses/)

[SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)

[4.3 (2,241)](https://www.capterra.com/p/380/Concur-Expense/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

86%

of reviewers

rated it above 4 stars

[Learn More](https://www.capterra.com/p/380/Concur-Expense/)

[QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)

[4.3 (8,425)](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/)

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

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

Spend Control

5.0 (9)

33.33% of 9 reviewers that rated this feature as important or highly important

Set allowances and ensure employees don't spend more than the allotted amounts

Budgeting/Forecasting

4.4 (5)

0.00% of 5 reviewers that rated this feature as important or highly important

Create budgets based on historical data and future projections

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 Access

5.0 (5)

20.00% of 5 reviewers that rated this feature as important or highly important

Access software remotely via mobile devices

PEX 53 features

Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc.

Integrate with a third-party accounting system

Track money owed to a company's creditors/suppliers

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

Dashboard to view the status of ongoing processes, identify current incidents and track past activities

Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges

Application programming interface that allows for integration with other systems/databases

Manage the process of evaluating documents or requests submitted for approval

Route documents and other data through one or more stakeholders for review and approval

Plan, schedule, and execute organization's accounts and assets to ensure compliance with policies and laws

A record of all activities within the system, including user access, changes made, etc.

Compare and match accounting/financial records with corresponding bank statements

Create budgets based on historical data and future projections

Track and manage adherence to policies for any service, product, process, or supplier

Manage and track credit cards that are distributed to employees to use for authorized business expenses

Financial system that helps create and manage physical/digital credit cards and track transaction activities

Import and export data to and from software applications

Protect sensitive data for digital privacy

Accept and process credit/debit card transactions

Electronically collect payments for goods or services

Integrate with existing ERP systems

Monitor and record expenses such as purchases or charges incurred

Generate reports to assess the financial performance of an organization

Primarily serving churches and religious organizations

Use AI to generate content in the form of text, images, videos, etc.

Transactions that typically involve face-to-face interactions between the payer and the payee

Access software remotely via mobile devices

Clients can submit payments via mobile devices

Scan and upload receipts to a central database using a mobile device

Accept and process online payment transactions

Reconcile payments with corresponding invoices or orders for accounting purposes

Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS)

Bank cards with approved funds pre-loaded that employees can use for corporate purchases

Analyze and gain insights into data in real-time

Receive data and information in real time

Active monitoring of systems, applications, or networks

Notifications that are delivered to users as soon as an event occurs

Active reporting of data and metrics

Receive system updates as soon as any changes are made

Upload, track, and submit receipts in a central database

Automated process of charging customers at regular intervals for repeated access or use of a product or service

Manage compensation for out-of-pocket expenses incurred by an employee, client or another party

Timed notification for any upcoming task, deadline, appointment, or activity

Collection, analysis, and representation of numerical data and generation of reports to understand various patterns

View and track pertinent metrics to find patterns and gain insights from data

Securely stores data to prevent data loss or breaches

Review and uncover trends in spending activity

Set allowances and ensure employees don't spend more than the allotted amounts

Set up connections to third-party platforms to improve business processes

Log and record hours worked and costs spent to assist in billing and invoicing

Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period

Monitor or audit historical and current transactions to analyze customer account activities

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/)

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Popular comparisons

[webexpenses vs PEX](https://www.capterra.com/compare/140646-153785/webexpenses-vs-PEX)

[Ramp vs PEX](https://www.capterra.com/compare/153785-207081/PEX-vs-Ramp) 

Independent research methodology

Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology.

[Learn more](https://www.capterra.com/resources/proprietary-data-research/)

How Capterra verifies reviews

Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI.

[Learn more](https://www.capterra.com/resources/how-we-verify-reviews/)

How Capterra ensures transparency

Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website.

[Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)