PEX vs Chase

Companies often move from traditional business credit cards like Chase to PEX when they need more control over how company funds are used.

PEX allows finance teams to embed spending rules directly into company cards so purchases follow policy automatically. Unlike traditional credit cards, which are typically reviewed after transactions occur, PEX helps teams prevent out-of-policy spending at the point of purchase.

Book a demo to see PEX in action or start an application to get up and running.

PEX is a spend management platform designed to help finance teams control and track company spending as it happens. Chase primarily offers traditional business credit cards used for making company purchases.

With PEX, spending policies, receipts, coding and reporting are managed in one platform. Chase cards provide a payment method, but many companies rely on additional tools and manual processes to manage receipts, policies and expense workflows.

PEX embeds spend controls directly into every company card. Finance teams can set limits by merchant category, department, project, location or time of day.

If a transaction violates company policy, AutoEnforcer™ automatically declines it at the point of purchase. This ensures spending stays within policy without creating approval queues or manual follow-up for finance teams.

PEX automates the entire expense workflow from the moment a transaction occurs.

Receipts are captured and matched automatically, while AutoTagger™ and AI-powered GL coding categorize expenses in real time. This eliminates much of the manual reconciliation and expense report review that finance teams typically handle in traditional expense reporting systems.

PEX keeps expense data clean throughout the month so finance teams spend less time fixing transactions during financial close.

Transactions are automatically coded, matched with receipts and checked against policy as they occur. With accurate, structured data already in place, finance teams can move through reconciliation and close cycles more efficiently.

Companies using traditional business credit cards often rely on expense reports or additional software to collect receipts and categorize spending.

PEX reduces the need for manual expense reports by capturing spending directly through company-issued cards with built-in controls. Transactions are categorized, coded and matched with receipts automatically as they occur.

PEX offers transparent pricing with no per-user fees, so costs stay predictable as your team grows.

Pricing is based on your card program and usage. View pricing details or book a demo to find the right plan for your business.

PEX provides 24/7 support from real people, with tiered service options to meet different business needs.

From onboarding through ongoing operations, finance teams work with dedicated experts who understand spend management and accounting workflows