The Pex Insider’s Guide
Everything we know about Pex in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Pex
The Insider’s Guide
Prepaid and credit business cards with employee spend controls
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Pex’s own pages.
Made by Prepaid Expense Card Solutions, Inc. · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Pex’s own pages, its app-store listings and our grades. Every fact in it is on Pex’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
2.2
GPA, above 32 of the 51 other spend and bill pay tools we grade
PEX issues Visa cards to US businesses and nonprofits for employee spending. The main product is a prepaid expense card funded in advance, sold in Base, Core and Pro tiers by monthly fee and number of free cards, with a separate credit charge card and a Disburse card for paying grantees or advocates. Receipts are matched with AI and synced to more than 50 accounting and ERP tools.
To get you started, here are 9 things to know about Pex, taken from its own pages and our grades.
Cards, funding and an accounting link to set up.
- 1
Best for prepaid cards for staff and small teams
PEX issues prepaid and credit cards with receipt capture, approvals and reimbursements, and Base has no monthly fee.
- 2
What it costs
Paid plans start at $0 per month for Base, with up to 5 free cards.
- 3
There is a free plan
Prepaid Base: $0 monthly fee with up to 5 free card accounts; $25 monthly fee in months with under $1,000 spent.
- 4
It runs on 2 platforms
Web and Android.
- 5
Prepaid and credit cards
Visa prepaid cards funded in advance, a credit charge card, and virtual cards, each with spend rules per card or group.
- 6
Receipt management
Cardholders submit receipts, notes and tags from the mobile app, and AI matches receipts to transactions.
- 7
Funding and approvals
Bulk card ordering, automated funding rules and in-app approval of card funding and purchase requests.
- 8
A 2.2 GPA, above 32 of 51
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 9
Keep it
To replace Pex you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Pex at a glance
- Pricing
- Free plan, from $0 per month for Base, with up to 5 free cards
- Free plan
- Yes
- Free trial
- None stated
- Runs on
- Web, Android
- Made by
- Prepaid Expense Card Solutions, Inc.
- Category
- Spend & Bill Pay
- Our grade
- 2.2 GPA, fair
The report card
Best for prepaid cards for staff and small teams
PEX issues prepaid and credit cards with receipt capture, approvals and reimbursements, and Base has no monthly fee. Base charges $25 in months under $1,000 of spend, and fees for API access, international use and dormant cards pile up.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | Base is $0 a month but charges $25 in months under $1,000 spent; Core is $75 and Pro $200. Compared with expense tools' $7.50 to $20 per seat, it is a card programme priced by cards and spend, so we leave it at the middle. |
| Free plan and trial | C | Base has up to 5 free card accounts. Past that you pay per card, and the $25 low-spend fee applies. |
| Features | C | Prepaid and credit cards, receipts, funding and approvals, reimbursements, bill pay and accounting links. The listing shows it works by pre-funding cards, with fees on top. |
| Ease of use | C | No store rating on record. Cards, funding and an accounting link to set up. |
| Platforms and integrations | B | Web and Android on record, with two integrations. No iPhone app listed. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Pex is for
- Fits if you hand out a few prepaid cards and spend over $1,000 a month
- Works for nonprofits, which have their own pricing
Who it is not for
- Tight if you spend under $1,000 a month on Base, as it costs $25
- Watch out: every account pays a 3% fee on each international transaction
- Watch out: a $50 dormancy fee applies after 90 days with no spending on an active card
- Pricey if you need the API, as it costs $5,000
- Skip it if you want credit-card rewards on everything, as the rebate is 0.5%, or 1% at $10,000 or more a month
Good to know
Good for
- Small organizations that want separate funded cards for each employee or program
- Nonprofits needing cheaper per-card pricing
- Teams that prefer prepaid funding over a line of credit
Worth knowing
- Every account pays a 3% International Service Assessment Fee on each international transaction.
- Prepaid cards are funded in advance, and a $50 dormancy fee applies after 90 days with no spending on an active card.
- API access costs a $5,000 fee, and expedited card shipping costs $55 to $70 per shipment.
- Cards are issued by Fifth Third Bank or The Bancorp Bank, per the footer; the rebate is 1% for monthly spend of $10,000 or more, otherwise 0.5%.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
$0/mo
To start. There is a free plan too
Pex has a free plan. Paid plans start at $0 per month for Base, with up to 5 free cards.
Prepaid Base
$0
per month, plus $25 in months under $1,000 spent
Up to 5 free card accounts, then $8 each; $1 per ACH reimbursement.
Prepaid Core
$75
per month
Up to 20 free card accounts, then $4 each; 20 free ACH reimbursements, then $1. Fee waived in months over $50,000 spent.
Prepaid Pro
$200
per month
Up to 100 free card accounts, then $2 each; 100 free ACH reimbursements, then $1. Fee waived in months over $50,000 spent.
Credit Expense
$0
Corporate charge card with no setup or subscription fees and $0 per card; up to 1% back on eligible purchases, with terms.
Disburse
$399.95
one-time set-up fee
For paying advocates, grantees or rewarding staff: 50 cards free, then $5 each. Custom card designs cost $5,000 extra.
The free plan
Prepaid Base: $0 monthly fee with up to 5 free card accounts; $25 monthly fee in months with under $1,000 spent.
Read from pexcard.com on Nov 12, 2026.
Ways to pay less
Nonprofit
Nonprofit pricing on Core and Pro
Nonprofits pay $30 a month for Core and $80 for Pro, with extra cards at $1.60 and $0.80, per the pricing page.
Stated on pexcard.com
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
2
Places it runs: Web and Android
Prepaid and credit business cards with employee spend controls. Here is what it does, as its own site describes it, and what it covers: public API, AI features, reports, expense tracking, bill pay, company cards.
Prepaid and credit cards, receipts, funding and approvals, reimbursements, bill pay and accounting links.
- Prepaid and credit cards
- Visa prepaid cards funded in advance, a credit charge card, and virtual cards, each with spend rules per card or group.
- Receipt management
- Cardholders submit receipts, notes and tags from the mobile app, and AI matches receipts to transactions.
- Funding and approvals
- Bulk card ordering, automated funding rules and in-app approval of card funding and purchase requests.
- Reimbursements and bill pay
- Pay out-of-pocket claims and mileage, and pay bills, by ACH at $1 per payment beyond the free allowance.
- Accounting integrations
- The site lists 50+ no-cost integrations covering accounting, ERP and expense software, including QuickBooks Online.
- Nonprofit pricing
- Nonprofits see a separate price table, with lower Core and Pro fees and cheaper additional cards.
Where it runs
- Web
- Android
What it works with
- QuickBooks Online
- SAP Concur
Pex is made by Prepaid Expense Card Solutions, Inc.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
32/51
Other spend and bill pay tools it is graded above
Pex's GPA of 2.2 is higher than 32 of the 51 other spend and bill pay tools we grade, and level with 5.
It stands best on platforms and integrations (B, above 9 of 51) and worst on ease of use (C, above 0).
Each grade against the category
Every bar is all 52 spend and bill pay tools we grade, cut by the letter each got. Pex’s own letter is outlined.
- CValue for moneyAbove 3 of 51
- CFree plan and trialAbove 31 of 51
- CFeaturesAbove 3 of 51
- CEase of useAbove 0 of 51
- BPlatforms and integrationsAbove 9 of 51
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Pex you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
What you could make
- Expense tracking and reports: an app builder makes these well.
What you could not
- Cards issued through a bank.
- Money moved between bank accounts, which takes a licensed payments partner.
- A real app for Android. Something home-made would be a web page.
- It plugs into other products, QuickBooks Online and SAP Concur among them, and has an API.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Pex’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Ramp, Brex, Extend, Rho and Expensify
The 5 tools Pex is most often weighed against, with where each one differs from it.
- 3.6GPA
Ramp
Free plan · from $15/mo
Corporate cards, expenses, travel and bill pay, with a free plan.
- Only Ramp lists an iOS app.
- Ramp also covers invoicing.
- 3.6GPA
Brex
Free plan · from $12/mo
Corporate cards, expenses, bill pay and travel for growing companies.
- Only Brex lists an iOS app.
- 2.2GPA
Extend
Free plan · from $8.99/mo
Virtual cards and expense tracking on top of your own bank cards.
- Only Extend lists an iOS app.
- Pex also covers reports.
- 1.6GPA
Rho
Paid
Business banking, corporate cards and expense tools in one app.
- Pex has a free plan. Rho does not.
- Only Pex lists a web app.
- Only Pex lists an Android app.
- 2.8GPA
Expensify
Free plan · from $5/mo
Receipt scanning, expense reports and company cards, from $5 a member.
- Only Expensify lists iOS and macOS apps.
- Only Expensify lists a browser extension.
- Pex also covers reports.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
13
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Pex free?
Pex has a free plan. Prepaid Base: $0 monthly fee with up to 5 free card accounts; $25 monthly fee in months with under $1,000 spent.
How much does Pex cost?
Pex lists 5 plans. Prepaid Base: $0 per month, plus $25 in months under $1,000 spent.
What platforms does Pex work on?
Pex is available on Web and Android.
Does Pex offer any discounts?
Pex publicly lists the following: Nonprofit pricing on Core and Pro.
Does Pex have an iPhone app?
No iPhone app was listed when its pages were read on Nov 12, 2026. Pex is listed for Web and Android.
Does Pex have a Windows app?
No Windows app was listed when its pages were read on Nov 12, 2026. Pex is listed for Web and Android.
Is Pex open source?
Pex is not described as open source on its own site, as read on Nov 12, 2026.
Does Pex have an API?
Yes. Pex offers a public API, according to its own site.
What does Pex integrate with?
Pex's listing names QuickBooks Online and SAP Concur. A listing names up to eight integrations, so it may connect to more.
Who makes Pex?
Pex is made by Prepaid Expense Card Solutions, Inc.
What are the alternatives to Pex?
The closest alternatives to Pex in our directory are Ramp, Brex, Extend, Rho and Expensify.
How does Pex compare with other spend and bill pay tools?
Pex's GPA of 2.2 is higher than 32 of the 51 other spend and bill pay tools we grade, and level with 5.
Could I make my own version of Pex?
To replace Pex you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Where this guide comes from
The prices, plans, platforms and features were read from Pex’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. Graded from this listing, whose facts were read from Pex's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Prepaid Expense Card Solutions, Inc. Prices change, so check pexcard.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Pex, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/pex
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Pex: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/pex
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/pex/guide
ToolGPA elsewhere: youtube.com/@toolgpa
See our other guides
The best-graded spend and bill pay tools after Pex, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 52 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Pex’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Pex is a trademark of its owner, and this guide is not made, paid for or approved by Prepaid Expense Card Solutions, Inc. Prices and plans change: check pexcard.com before you buy.