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Brex vs Melio: 2026 Comparison

Brex Melio
Overview A financial platform for startups and growing companies offering corporate cards, expense management, and bill pay with no personal guarantee. A free B2B payment platform for small businesses to pay vendors by bank transfer or card and manage accounts payable.
Pricing Freemium (Free-$12/user/month) Freemium (Free (2.9% for card payments))
Key Features
  • Corporate cards
  • Expense management
  • Bill pay
  • Reimbursements
  • Travel
  • Budgets
  • Accounting integrations
  • Rewards
  • Bill payments
  • ACH transfers
  • Card payments
  • Approval workflows
  • Vendor management
  • Scheduling
  • Accounting sync
  • Batch payments
Pros
  • No personal guarantee
  • Real-time expense tracking
  • Good integrations
  • Travel features
  • Free for bank transfers
  • Easy to use
  • Good for small businesses
  • Pay by card earn rewards
Cons
  • Requires business bank account
  • Limited to funded startups
  • Rewards have changed
  • Customer support varies
  • Card payment fees
  • Limited AP automation
  • US only
  • Basic reporting