Brex vs Moss

PayPal

Payhawk

Mercury

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Payhawk is a spend management platform that automates expense management and provides real-time visibility and control over corporate spending. The platform integrates with linked business credit cards, enabling users to collect receipts at the point of sale and automatically match transactions to receipts. Its AI-powered technology processes receipts and invoices, automatically categorizing and routing expenses for approval to ensure an efficient spending culture.

Mercury is a financial technology company that provides online business banking services for startups, small businesses, and scaling companies. The platform offers checking and savings accounts, business credit cards with cashback, expense management tools, and automated bill pay and invoicing features. Mercury includes accounting automations that sync with QuickBooks, Xero, and NetSuite, along with treasury services for earning yield on idle cash through high-liquidity portfolios.

These guys could seriously improve their customer service - even their "dedicated" customer service (which I suspect is more of a marketing ploy rather than any real dedicated service personnel) routinely either does not answer emails, or skips them altogether.

I had multiple international clients run into issues with the wording and coding to get the wire transfer to get processed.

Finance Manager

Sometimes they take time to respond on queries and problem

Brex is a finance platform that helps businesses control and manage spend. From corporate cards and banking to expense management and bill pay, it provides a comprehensive suite of tools to automate financial processes and improve the strategic impact of finance teams.

Accounting

Accounting Integration

Activity Dashboard

Activity Tracking

Alerts/Notifications

Approval Workflow

Bank Reconciliation

Compliance Management

Corporate Card

Expense Tracking

Invoice Management

Invoice Processing

Mobile Receipt Upload

Multi-Currency

Online Banking

Performance Management

Receipt Management

Reporting/Analytics

Risk Management

Spend Analysis

Spend Control

Third-Party Integrations

Vendor Management

Brex

Web-based

Android

iPhone

Ramp

Moss

Essentials

Premium

Enterprise

VP, Finance and Operations

It integrates *almost* seamlessly with our accounting platform and allows our team to process their card transactions and monitor their budgets as real time as possible.  

The merchant categories don't always reflect the goods/services purchased from the vendor, which can be confusing.  

For whatever reason, when you go through the online portal to close your account, you will see an 'Account Closed' confirmation on your page, but be warned: YOUR CREDIT CARDS ARE ALLOWED TO REMAIN OPEN TO CHARGES!

I don't give praise where it isn't due and Brex gets a very well deserved two thumbs up for me.   If I were at Capital One I would have snatched them up as well!

The international payment fees are a bit high.

Director of Finance

The card functionality is excellent with easy controls on spending limits, and great compliance tools.

It is all in one place and easy to integrate with 3rd-party platforms.

The rewards that were offered early on to utilize the platform have diminished for even us as leagacy users.

Which is great for the fractional interest kick backs, but a nightmare if you want simple cash flow tracking.

they also did not take responsibility that the account had been closed for 6 weeks and therefore the card should have not been able to be charged.

I liked the design of the physical credit cards and the ability to upload receipts and track spending all on the dashboard.

There was no alert to the user that one MUST CALL CUSTOMER SERVICE TO HAVE YOUR CARDS CLOSED.

It was great with easy implementation up until we found out that they had not built the ability to tag expenses with GL codes in the mobile app.

Manager, FP&A

Brex has given a lot more control over our spending without question, but we have developed so much complexity in our spending that the administrative burden has become overwhelming.

Easy to record your expenses and easily payment system.

Senior Quantity Surveyor

It is easy to use the phone application to register to create a new invoice, and scanning invoices helps in transferring information from them directly to the system, which relieves us from manually entering numbers and other information.

Brex artificial intelligence helped us automate expense models, whereby recording expenses in detail and sending them for approval and also archiving them on the cloud is done quickly, and tracking spending at the enterprise level has become easier, as reports include expenses in detail, which enables decision makers to make decisions and also ensuring that spending is done correctly and within specified budgets.

We try to put in place guardrails for their spending using Brex, but sometimes run into issues.

VP Engineering

Excellent software interfaces, user-friendly, easy account/user management, and ability to set up virtual cards with specific limits to manage expenditures and risks.  

HR Director

Brex is super easy to issue new cards, control limits, and for receipt uploads. When a company charges one expense as multiple invoices, Brex is smart enough to take one receipt and split it among the invoices.

Executive Assistant

The key to Brex delighting users is the ability to handle expense reimbursement with equal convenience whether instant or delayed.

Cofounder

You can also set a spending limit and have full visibility of the spending for each active card, right from the dashboard.

Sales Manager

It makes receipt management easy and has been helpful as expense reporting.

Director of Customer Success

The physical card is rather thin & flimsy, whereas I am used to the metal-type cards with raised numbers for corporate cards.

Brex banking with disposable cards helped our expense reporting and controls more efficiently and automated.

The credit limit is variable which is at times good but the way it is calculated is opaque and leaves you guessing how much you have available to spend.

Director

Out of the blue, we get a message saying, "Brex is constantly evolving our business, and after changes to our strategy, we are less suited to meet the needs of smaller customers."

Managing Partner

Spend Management, Multiple Accounts, Corporate Card features, Expense Controls

Program Manager

Then when we switched banks this year, I had to connect the new bank.  

Ahh, Brex loves to promote their Capterra and other reviews after soliciting these from small business. But now that they've got their reviews, it's time to burn the small business owner.

Probably just have the option to allow mark invoices as lost instead of getting eternal nagging from notifications.

Head of Content

You can also easily set up multiple approvals and see the status of your expense reimbursements.

It certainly cannot be your only form of payment, you need to have a backup payment method ready especially when you are traveling.

The ability to create multiple digital cards is super convenient for contract employees.

They do this so that they can have access to ALL of your financial data without making that clear or transparent during the integration process.   If you read their terms and conditions carefully as you attempt to integrate your accounting software, you'll notice what I am talking about.

They use their massive bonuses and promotions to lure in new customers and then collect all of their customer's spending data by having the customers integrate accounting software while giving up total privileges to Brex (see my first paragraph in this section) and using Brex cards to make all of their business purchases.  

Owner

We do website development for huge companies and have no strange activity that would contribute to this, and the decision is final.

Had to switch checking accounts for autopayment and didn't realize it takes a week to "verify".  

CEO/Cofounder

I love being able to issue different spending cards and assigning max limits.

I sort of suspect they do not really want startups, and especially not bootstrapped startups like they claim to be in favor of - which is fine, everyone wants more money, but I just wish they would be more transparent about it.

Flexible credit line based on the cash balance in the business checking account.

The previous operations, also the expense reporting tool is easy to use, and enables us to prepare and send reports without much effort.

Assistant Controller

I have daily control of the credit card usage for our team of over 40.  

So just know that if you decide to bank with them you should expect at any time they will close your account even if you're in good standing.

Staff Accountant

The virtual cards give the accounting team some control over spending

The free ACH and wire transfers were the main reason but we also liked the partnerships they had

Credit Card Management

Expense and Travel Management

Spending Limits

Account Closure

Pricing

Rewards Program

Customer Support

Virtual Cards

Client Support

Small Business

Large Enterprises

Mid-size Business

SAP Concur

SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

Budgetly

AI-driven spend and expense management software with prepaid corporate cards with spending rules. Budget, spend, capture, pay bills and sync in real-time. Budgetly is an AI-driven, flexible, automated, and hassle-free expense accounting platform.  Go paperless and capture expenses as they happen.

Moss is an expense management software that enables employees to spend in a decentralized way, giving finance managers complete visibility and control in real-time. By automating and digitizing spend, Moss frees finance teams from administrative tasks. 

Access Controls/Permissions

Approval Process Control

Audit Trail

Automated Receipt Matching

Billing & Invoicing

Budget Control

Budgeting/Forecasting

Categorization/Grouping

Configurable Workflow

Customizable Fields

Data Import/Export

Document Management

Duplicate Payment Alert

Electronic Payments

ERP integration

Expense Claims

Expense Management

Financial Analysis

Financial Management

Financial Reporting

Forecasting

Fraud Detection

Integration Management

Mileage Tracking

Mobile Access

Optical Character Recognition

Policy Management

Prepaid Cards

Process/Workflow Automation

Procurement Management

Real-Time Data

Real-Time Notifications

Real-Time Updates

Recurring Payments

Reimbursement Management

Reminders

Reporting & Statistics

Requisition Management

Rules-Based Workflow

Secure Data Storage

Self Service Portal

Self-Service Reporting

Single Sign On

Spend Management

Supplier Management

Transaction History

Workflow Management

iPad

Pleo

webexpenses

Expensify

Lanes & Planes

Starter Corporate Cards

Starter Accounts Payable

Build your custom Moss package

Head of Finance

The card spending controls are pretty customisable, and we've used pretty much all the different card types for different use cases (virtual, physical, merchant cards, one time project cards).

Worth being aware that the system doesn't really support policing limits on individual purchases (eg £X for dinner or hotel) so you need to use the other control features it has such as the approval workflow for expenses, and card spending controls for cards.

Chief Product Officer

It has made our processes much for managing company cards and capturing the receipt information so easy, that there is no excuse for them to go missing.

Fantastic all in one solution for managing corporate credit cards, reimbursements and invoices through a single platform.

EA and Office Manager

Designated authorisers ensures swift action and it's great that we can give staff autonomy to make purchases within defined parameters/budgets.

Head of Marketing

You can drag screenshots as invoices everywhere, asking for new cards is easy, the overview of what you have in terms of budget and cards is good.

It allowed us to centralize expense management, issue physical and virtual cards quickly, and gain better control over team budgets.

Systems Trainer

This is a suggestion for an improvement: could the app be improved so that you can upload pictures of receipts even when there is no phone signal?

We use Moss for accounts payable approval, virtual credit cards as well as travel reimbursement.

Global Privacy Officer

I can also take photos of receipts on the go, and the app will analyze and upload them.

Partner

I particularly like being able to upload receipts and make reimbursement requests 'on the go 'using the app.

Accounts Payable

The product pricing for our company size was much more competitive than similar competitors offerings. Plus the cash back offer was a huge bonus to cover our finance costs.

Marketing Specialist

The ability to both upload and email-in invoices and receipts make it so easy and a delight to use, Moss quickly matched the receipts and invoices automatically

Brex vs Moss Comparison (2026)

Brex

Moss

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives