5 Brex Alternatives For Startups in 2025

Brex is a financial technology company that provides modern finance software solutions, including corporate cards, banking, bill pay, accounting, and travel services. They emphasize their role in helping businesses spend smarter and manage their finances efficiently.

However, Brex doesn’t fit all companies’ needs, and some businesses find it lacking in essential features or flexibility. If you’re looking for a better fit, we’ve rounded up five top alternatives—Rho, Airbase, Spenmo, Yokoy, PayEm—each offering unique advantages to meet different business requirements.

5 Alternatives to Brex

1) Overall Pick: Rho

At Rho, we pride ourselves on offering a comprehensive business banking and spend management platform designed to support founders and finance teams. Our goal is to simplify and automate financial operations, making it easier for businesses to manage their finances from inception to IPO and beyond.

Rho Key Features

• Rho Platinum: Offers up to 2% cashback¹ on all purchases made using Rho's banking and card services.
• Rho Treasury: Allows businesses to safeguard idle cash and earn a dynamic yield, optimizing cash management.
• Rho Bill Pay: Enables quick and efficient payments to hundreds of vendors with zero platform fees.
• Expense Management: Automates the capture of receipts and eliminates the need for traditional expense reports.
• Rho Partner Portal: A specialized version of Rho designed to streamline processes for world-class accounting partners.
• Rho Integrations: Ensures seamless integration with existing accounting, HR, and travel & expense software.
• Corporate Credit Cards: Offers real-time monitoring of corporate spend and custom card controls to prevent non-compliant spending.

While Brex also offers robust corporate cards, Rho's Corporate Credit Cards stand out with their real-time monitoring and custom controls, providing an extra layer of security and compliance.

Rho Pricing

We offer a straightforward and transparent pricing structure designed to help businesses save money. Many of our essential services are free to use, making it easy for you to manage your finances without worrying about hidden costs.

Here's a breakdown of our pricing:

• $0 Same-Day ACH fees: No charge for same-day ACH transactions.
• $0 Wire fees: No charge for wire transfers, with some exceptions for international wires.
• $0 Monthly plans: No monthly subscription fees for accessing Rho's services.
• $0 Support fees: Free live support from day one without any monthly charges.
• $0 Subscription fees: No subscription fees for using Rho's platform.
• $0 Checking account minimum fees: No minimum balance fees for checking accounts.
• $0 Connected, in-platform capabilities: Free access to AP, Expense, and Accounting Automation features.
• $0 Per-user fees: No fees per user for accessing the platform.
• 1% Foreign currency transfer: A 1% fee on foreign currency transfers.

You can find all the details about our pricing here.

Why Users Prefer Rho

Don’t just take our word for it—hear directly from Rho’s customers. Here’s what real users have to say about why they prefer Rho over other solutions:

• Exceptional Customer Service: Users appreciate the timely and solution-driven responses from our customer service team, which stands out compared to larger companies.
• Ease of Use: Many users find our platform easy to use, saving them time and reducing stress.
• Seamless Integration: The platform integrates seamlessly with accounting software like QuickBooks Online, significantly saving time for finance departments.

Want a firsthand look at Rho? You can request a free demo here.

Source: Rho Reviews & Product Details

2) Airbase

Airbase is a comprehensive platform that offers procure-to-pay, accounts payable (AP) automation, and finance solutions. It features modules such as Guided Procurement, AP Automation, Expense Management, and Corporate Cards, all designed to streamline financial operations and provide enhanced visibility and control over spending.

Airbase Key Features

Airbase offers a range of features designed to streamline financial operations and enhance control over spending.

• Guided Procurement: Automates the intake process with a guided buying system, ensuring compliance and eliminating confusion through no-code routing.
• Accounts Payable Automation: Provides a touchless AP experience, handling everything from simple bill payments to complex purchase orders and syncing vendor details to your ERP.
• Expense Management: Simplifies expense reporting and reimbursements using AI-based OCR and generative AI to create reports from receipt images, integrating travel management via TravelPerk.
• Corporate Cards: Offers a versatile card program that secures pre-approvals and flows purchase details to your ERP, supporting both virtual and physical cards, including AMEX and SVB card programs.
• ERP Integrations: Integrates seamlessly with over 70 ERPs, including NetSuite, Sage Intacct, QuickBooks, and Microsoft Dynamics, ensuring smooth data flow and financial management.

Airbase Pricing

Airbase's pricing approach is to offer customized quotes based on the specific needs and size of the organization.

• Enterprise: Full platform experience, complete depth of features, complex processes, advanced accounting automation.
• Premium: Includes all primary modules, advanced integrations, advanced features/workflows.
• Standard: Guided Procurement, AP Automation, Corporate Cards, Expense Management, Accounting automation.

Drawbacks To Airbase

General user reviews of Airbase highlight its ease of use and intuitive design, but some users have noted issues with receipt management and missing features.

• "Airbase makes expense reports a breeze! However, the receipt management could be improved." - Kyle C.
• "Difficult to navigate and operate with speed, which can be frustrating during busy periods." - Alison P.

Source: Airbase Reviews & Product Details

3) Spenmo

Spenmo is a service provider specializing in spend management and accounts payable automation. It enhances visibility and control over spend management processes through automation, offering features such as bill management, corporate debit cards, reimbursements, and accounting software integration.

Spenmo Key Features

Here are some of the most notable features of Spenmo:

• Smart Scanning Technology: Reduces manual effort and errors in bill processing.
• Custom Approval Workflows: Allows for customizable approval processes to maintain control.
• Multi-Level Approval Process: Ensures in-policy spending and reduces petty cash spend.
• Seamless Accounting Integration: Syncs with major accounting software for faster reconciliation.
• ISO 27001 Certification: Ensures rigorous adherence to global information security standards.

Spenmo Pricing

Spenmo's pricing is not public. Contact their support for more info.

Drawbacks To Spenmo

General user reviews of Spenmo highlight its user-friendly interface and efficient payment management, but some users have noted issues with specific functionalities and reporting capabilities.

• "Spenmo is user-friendly and integrates well with Xero, but the lack of detailed breakdowns is frustrating." - Bryan Z.
• "Managing and transferring funds to individual wallets is tedious and time-consuming." - Hans C.

Source: Spenmo Reviews & Product Details

4) Yokoy

Yokoy is an intelligent spend management platform that helps control, optimize, and streamline finance operations by managing invoices, expenses, and payments through a single, AI-powered platform. The platform leverages AI to automate processes, ensure compliance, and provide real-time spend data, thereby enhancing financial efficiency and control.

Yokoy Key Features

• AI-Powered Spend Management: Utilizes proprietary AI to enhance data capture, improve verification, and reduce manual work across finance operations.
• Custom Workflows: Features a no-code, drag-and-drop workflow builder that allows finance teams to customize and control transaction processes.
• Smart Corporate Cards: Offers physical and virtual corporate cards integrated into the platform for automatic transaction matching and centralized control.
• End-to-End Visibility: Captures an audit-proof data trail for every invoice, receipt, and transaction, ensuring transparency and accountability.
• Security and Compliance: Engineered with robust security measures and compliant with international standards like ISO 27001 and GDPR.

Yokoy Pricing

Yokoy's pricing is not public. Contact their support for more info.

Drawbacks To Yokoy

General user reviews of Yokoy highlight its automation efficiency and user-friendly interface, but some users have reported issues with cancellation and processing delays.

• "The automation is great, but canceling already handed-over invoices can be a hassle." - Patrick H.
• "While the platform is intuitive, processing delays can be frustrating during peak times." - Shauna T.

Source: Yokoy Reviews 2025: Details, Pricing, & Features | G2

5) PayEm

PayEm is a comprehensive spend management and procurement platform designed to streamline financial processes and promote accountability. It offers tools for capturing spend before it happens, customized request forms, budget control, AI-powered invoice processing, and corporate cards, integrating seamlessly with various ERP and HR systems to enhance operational efficiency.

PayEm Key Features

• Customized Requests: Simplifies and streamlines the request and approval process with customized request forms that connect directly to your ERP, enhancing compliance, transparency, and auditability.
• AI-Powered Invoice Processing: Automates invoice management with AI, freeing your team from manual work, boosting efficiency, and enhancing accuracy by seamlessly syncing data with your ERP.
• Corporate Cards: Distributes corporate cards to employees based on specific needs, allowing control over spending, streamlining receipt management, and enhancing security with real-time budgeting and digital wallet integration.
• Effortless Customization: Allows tailoring of employee request forms to exact specifications without extensive IT support, adapting to unique needs from custom fields to company protocols.
• Agile Communication: Integrates seamlessly with popular communication platforms like Slack and email, enabling request tracking and approval without logging into the platform, facilitating quick and compliant requests and approvals.

PayEm Pricing

PayEm's pricing is not public. Contact their support for more info.

Drawbacks To PayEm

General user reviews of PayEm highlight its intuitive interface and efficiency, but some users have noted issues with card management and approval processes.

• "The platform is user-friendly, but the card management system can be cumbersome at times." - J.S.
• "Approval processes are sometimes slow, which can be frustrating during busy periods." - M.K.

Source: PayEm Reviews 2025: Details, Pricing, & Features | G2

How to select the right Brex alternative?

When evaluating the right Brex alternative for your business, consider the following tips:

• Assess Your Needs: Identify the specific financial operations and features your business requires, such as AP automation, expense management, or corporate cards.
• Integration Capabilities: Ensure the platform integrates seamlessly with your existing accounting, HR, and ERP systems to avoid disruptions.
• Cost Transparency: Look for a provider with clear and transparent pricing to avoid hidden fees and unexpected costs.
• User Experience: Choose a platform that offers an intuitive and user-friendly interface to save time and reduce the learning curve for your team.
• Customer Support: Evaluate the quality of customer service, as timely and effective support can make a significant difference in your experience.
• Comprehensive Features: Consider platforms like Rho that offer a wide range of features, ensuring all your financial needs are met in one place.
• Scalability: Opt for a solution that can grow with your business, providing the flexibility to add more features and users as needed. Rho's platform is designed to support businesses from inception to IPO and beyond.

Getting started with the best Brex alternative

Each of the alternatives to Brex offers unique features and benefits, making them strong contenders for businesses looking to streamline their financial operations. However, if you're seeking a comprehensive solution that integrates seamlessly with your existing systems and offers exceptional customer support, we recommend Rho.

Ready to experience the benefits of Rho firsthand? Request a demo today and see how Rho can transform your financial operations.