Brex vs Tipalti Pricing (2026)
How do these two stack up on price? Here's what each one costs, what you get, and where the value sits.
Essentials
- Global card acceptance and 1 local card program
- AI-powered custom rules
- Up to two entities (1 global entity)
- Accounting integrations
- Local currency wires
- Travel booking (free on Essentials)
- Real-time reporting
- Brex API access
- Bill pay
- Reimbursements
Premium
- Multiple, customizable expense policies (category rules, role-based policy exceptions, and auto-approval rules)
- Dynamic expense review chains
- AI-powered compliance audit detection and insights
- Advanced approvals with dynamic Spend Limit approval chains
- Multi-entity (US & International)
- Customizable ERP integrations and HRIS integrations
- VAT documentation
- Group travel and advanced travel rules
- Live budgets
Enterprise
- Unlimited US or global entities
- Local card issuance, collections, reimbursements, and policies
- Named account manager for personalized support
- Admin center
- Fully customizable implementation services
Tipalti Accounts Payable
- Unlimited users
- Self-service supplier portal
- Core automation features
- Transaction pricing per invoice and payments
- Expand to other modules: Procurement, Expenses, Treasury
Tipalti Mass Payments
- Unlimited users
- Payee portal
- Core automation features
- Transaction pricing for payments
Brex vs Tipalti FAQ
- Which one is cheaper?
- Brex starts lower at $12/mo, compared to $99/mo for Tipalti.
- Can I use either one for free?
- Brex has a free plan. Tipalti doesn't — you'll need to pay from day one.
- How do they charge?
- Different approach here. Brex uses per-seat pricing, while Tipalti goes with hybrid. That changes the math depending on your team size and usage.
- Which one is a better deal?
- Depends on what you need. Brex: At $12/seat, Brex is priced well below traditional expense platforms like Concur but competes directly with Ramp (which is free) — so they're not the cheapest option in the modern fintech stack. They're positioning Premium as a mid-market value play, using the free tier to win startups early before competitors can. Tipalti: Tipalti sits in the mid-to-premium range for AP automation — not the cheapest option (tools like Melio or Bill.com undercut them on entry price), but they're not trying to win SMBs. They're going after finance teams at growth-stage and mid-market companies that have outgrown basic AP tools and need serious global payment rails.
Keep tabs on both.
We'll monitor pricing changes for Brex and Tipalti and let you know when something moves.