Bento Vs Brex

Superior on all fronts

What is Bento for Business?

Bento For Business is an intuitive, debit card-based business spend management platform that helps small businesses save time, money, and effort when it comes to managing their expenses. A great brex alternative.

Our solutions stack allows you to manage your small business expenses in real-time with our AI-driven spend management platform and industry-leading controls and reconciliation tools.

Relax and enjoy the ease of Bento's transparency on your expenses compared to Brex bill pay. We make sure that your employees will have access to the funds that they need - according to the limits that you set for your business's bottom line.

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Bento for Small Businesses​

As a small business owner, keeping your expenditure in check and within reasonable limits is of top priority. You may wear many hats – an accountant, talent manager, operations manager, etc. But with all the inevitable expenses day in and day out, it may be difficult to keep tabs on expenses and manage cash flow. Bento helps you navigate ALL of that and more. We’ll hold your hand throughout the process and consistently innovate to find new ways to make managing business spend even easier!

What’s the difference between Bento and Brex?

Well, the difference is in EVERYTHING

  • Bento
  • Brex
Debit/Credit Card
Bento cards are business debit cards. No credit checks and no surprises. All spending happens in real-time from your Bento account balance.

Brex cards are credit cards that do not even offer cashbacks.
Card Options
Bento has multiple card types (Spend Limit and Fixed Value) to customize your spending as per your business needs.
One card option.
Fees / Pricing
You get access to all the great features, irrespective of the plan you’re on. The only thing that changes per plan is the number of cards you’re allowed to use.
$5 per user.
Credit Checks
We are a debit card-based spend management platform, hence no credit checks. Just an easy breezy sign up process.
Credit checks are required to qualify for their credit card.
We have multiple card options to choose from for all types of spending, eliminating out-of-card expenses, and therefore eliminating reimbursement processes.
Does not support reimbursements and does not have an alternate solution.
Bill Payment
Our industry leading B2B payment solution for small businesses - Bento Pay lets you complete B2B and invoice payments without ever having to share your banking information.
Bill payments via Brex Cash by wire, ACH, and checks.
Approval RequestsBento let's your employees request changes to their card controls in real-time as and when needed.Not supported.
Practical Card ControlsBento let's you set daily/weekly/monthly spend limits on each card with the ability to turn them off/on as required.Limited degree of flexibility.
Physical and Virtual CardsBento offers both card types.Brex offers both card types.
Admin Election and Executive DelegationBuilding on the premise of flexibility all cardholders have the ability to submit approval/change requests to card controls set by account owners, admins, and department leads in real-time.Not supported.
AI-Driven Receipt CaptureOur receipt capture with AutoMatch ensures you never have to chase down receipts again. Attach receipts from anywhere, anytime even via email!Does not support receipt matching via email forwarding.
Bulk FunctionalitiesBento let's you seamlessly import users in bulk onto the platform and create and edit multiple cards in one go!Not supported.
Business Health DashboardGain a 360-degree view of your business spending (money spent, money saved, trends, and insights).Does not provide deep insights into spend and savings.
Real-time Visibility and Expense TrackingMonitor all transactions at the company, user, or department level as and when they happen.Only provides team and individual reporting, does not provide departmental level reporting.
Run Custom Transaction ReportsUse the search bar or select relevant filters in the Transactions tab to run custom transaction reports.Supported.
Transaction Tags and NotesAdd free-form notes and tags to every transaction to structure unstructured data.Not supported.
Accounting Software ExportsAutomate your entire bookkeeping process by seamlessly connecting your Bento account to your accounting software of choice.Supported.
Direct Integrations with Accounting SoftwaresSet up your Bento account to either manually or automatically sync to other accounting softwares targeted towards small businesses (QuickBooks, etc.)Supported with limited flexibility.
Auto-enforceable Expense Policy SettingsEstablish rules at either a company-wide or department-specific level by choosing spend policy parameters as applicable to the business.Not supported.
Mobile wallet Compatible with Apple Pay and Google Pay, house all your Bento cards in one plate so you can use your virtual cards at physical locations too.Not supported.
Role-based Access ControlEasily set custom roles and permissions per user as applicable to your business needs.Not supported.

Here’s why you need a spend management tool

As a small business owner, it can be hard for you to keep track of your companies’ business expenses all the time which is why you need a expense management solution. It’s much easier and more efficient to have a tracking and management system in place that helps you stay within your budget so that you can focus your attention on running your business.

Who can sign up for Bento?

Legally registered US businesses with a verifiable physical location in the US can sign up for Bento. However, due to business category restrictions imposed by The Bancorp Bank, N.A.; Member FDIC, we do have some categories of businesses that are restricted from using Bento’s services. 

Who is the best person in your
company to use Bento?

Bento for Business platform is an easy-to-use intuitive one that is suitable for:



Scale your expense management with better decision-making and real-time data capture and reporting. Use our customizable spend management tools to generate a positive Return on Investment (ROI) and ensure operational efficiency.


Accountants/Controllers & Budget Administrators

Enable a healthy spend culture with spend policies built into your cards and consolidate all business-related expenses onto one platform. This gives you visibility and control into truly managing your cash flow better.



Yes, your employees can use the platform too! Save them valuable time from having to file expense reports and go through the lengthy process of claiming reimbursements. Just issue them a card that is pre-approved for specific use cases and you and your employees are free from unnecessary processes. It’s as easy as using the card and uploading the receipt!

Here’s what one of our top customers has to say about us


“Having a Bento account is a great way to give employees an expense card without having to add them to a major credit card account. You can set daily limits and controls”

Making the switch is a breeze

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