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Brex vs Paddle: 2026 Comparison

Brex Paddle
Overview A financial platform for startups and growing companies offering corporate cards, expense management, and bill pay with no personal guarantee. A merchant of record platform for SaaS companies handling payments, tax compliance, and subscription billing globally.
Pricing Freemium (Free-$12/user/month) Pay_per_use (5% + 50c per transaction)
Key Features
  • Corporate cards
  • Expense management
  • Bill pay
  • Reimbursements
  • Travel
  • Budgets
  • Accounting integrations
  • Rewards
  • Merchant of record
  • Global tax compliance
  • Subscription billing
  • Checkout
  • Invoicing
  • Revenue recovery
  • Analytics
  • Dunning
Pros
  • No personal guarantee
  • Real-time expense tracking
  • Good integrations
  • Travel features
  • Handles tax globally
  • Merchant of record
  • Easy setup
  • Revenue recovery
Cons
  • Requires business bank account
  • Limited to funded startups
  • Rewards have changed
  • Customer support varies
  • 5% transaction fee
  • Limited customization
  • Paddle branding on invoices
  • Payout delays