Abby vs Brex (2026): Pricing, Features & Verdict
Brex is our pick, scoring 7.5/10 against 5.9/10 for Abby on our Finance Software criteria. Its biggest advantage: higher Scalability score (8/10 vs 3/10). Both Abby and Brex have a free plan.
Last updated: November 2026
Abby
5.9/10
French invoicing and admin app for micro-entrepreneurs and freelancers, covering quotes, e-invoicing, Urssaf filings, bank sync and basic bookkeeping.
Brex
7.5/10
Brex is a corporate card, expense management, bill pay and business banking platform for startups, mid-sized companies and global enterprises, and is now owned by Capital One.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.9/10 | 7.5/10 |
| Scalability | 3/10 | 8/10 |
| Analytics | 4/10 | 6/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 4/10 | 8/10 |
| Security | 7/10 | 8/10 |
| Support | 4/10 | 6/10 |
| Cost | 8/10 | 8/10 |
| Customization | 4/10 | 7/10 |
| Ease of Use | 7/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | €9/mo Start | $12/user/mo Premium |
| Estimated cost for 10 users | Free Basique | Free Essentials |
| Features | ||
| Multi-currency | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Invoicing | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Abby vs Brex cost by team size
| Team size | Abby | Brex |
|---|---|---|
| 1 user | FreeBasique | FreeEssentials |
| 5 users | FreeBasique | FreeEssentials |
| 10 users | FreeBasique | FreeEssentials |
| 25 users | FreeBasique | FreeEssentials |
| 50 users | FreeBasique | FreeEssentials |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who Abby and Brex suit
Abby fits small business better; Brex fits enterprise better.
| Audience | Abby | Brex |
|---|---|---|
| Enterprise | 1/10It has no multi-entity or enterprise controls and only serves very small French businesses. | 7/10Enterprise offers unlimited global entities, local card issuance and a named account manager, and Brex has focused on enterprise customers since 2022. |
| Small Business | 6/10It supports small company forms such as SASU and SARL, but its core is the micro-entreprise regime. | 4/10Brex exited the small-business market in 2022, and reviewers report account closures for businesses below revenue thresholds. |
| Finance Teams | Not rated | 8/10AI expense coding, ERP validation rules and journal export features are built to cut month-end close work. |
| Freelancers | 9/10It was built by former auto-entrepreneurs specifically for French freelancers and micro-entrepreneurs. | Not rated |
| Mid-Market | Not rated | 8/10Premium adds multi-entity support, custom ERP and HRIS integrations, advanced approvals and live budgets for mid-sized companies. |
| SaaS Companies | Not rated | 8/10Card rewards multipliers on software and ads spend, plus the startup-focused underwriting, fit tech companies. |
| Startups | Not rated | 9/10The free Essentials tier and card underwriting based on cash balance, with no personal guarantee, are aimed at venture-backed startups. |
Which One Should You Choose?
Why choose Abby
- Higher Compliance score (8/10 vs 7/10)
- Better fit for small business (6/10 vs 4/10)
Why choose Brex
- Higher Scalability score (8/10 vs 3/10)
- Higher Integration score (8/10 vs 4/10)
- Better fit for enterprise (7/10 vs 1/10)
Pros & Cons
Abby
Pros
- The free Basique plan includes unlimited quotes and invoices plus mandatory e-invoicing, which suits freelancers who are just starting out.
- The DGFiP registered Abby as an approved e-invoicing platform in January 2026, so it is ready for France's e-invoicing reform.
- Urssaf contribution estimates and filings are built in, which removes a recurring chore for micro-entrepreneurs.
- Abby claims ISO 27001 certification and is available on iOS and Android.
Cons
- It serves only French businesses and has no English interface.
- Important features are split across tiers. Bank sync needs Pro, and multiple users and foreign currencies need the 33 euro Business plan.
- Reviewers report chatbot-first support with no phone line, even on Business.
- Some users report bugs such as invoices that would not send, wrong Urssaf amounts and unmatched bank payments.
Brex
Pros
- The Essentials tier is free and includes cards, bill pay, reimbursements, travel booking, API access and accounting integrations.
- Card limits are underwritten on cash balance and revenue rather than a founder's personal guarantee, which helps startups without a credit history.
- Direct ERP syncs cover NetSuite, QuickBooks Online, Xero, Sage Intacct, Business Central and newer AI-native ERPs such as Rillet and Campfire, and a two-way Accounting API launched in January 2026.
- Brex holds SOC 1 Type II and SOC 2 Type II attestations, is PCI-DSS compliant and supports SAML or OIDC single sign-on.
- Brex releases updates often. The September 2026 release alone added more than 30 features, including passkeys, p-card policy rules and access to Brex data from ChatGPT, Claude and Slack.
- Pricing is published at 12 USD per user per month for Premium, and G2 reviewers rate the product highly, at about 4.8 out of 5.
Cons
- Brex has a history of abrupt account closures and eligibility changes, and it left the small-business market in 2022.
- Credit limits move with the company's cash balance, which some reviewers find unpredictable.
- Card purchases that need currency conversion carry an FX markup of up to 3 percent, built into the exchange rate.
- It is not a general ledger. Bookkeeping and financial statements still need a separate ERP or accounting system.
- Some support and setup experiences are poor, including a clunky HRIS integration setup reported on Gartner Peer Insights.
- The Capital One acquisition could slow feature shipping during integration, according to industry commentary.
Not sold on either?
Frequently Asked Questions
Brex scores higher on our Finance Software criteria: 7.5/10 against 5.9/10 for Abby. The largest gap is in Scalability: 3/10 for Abby and 8/10 for Brex.
Yes, both Abby and Brex have a free plan.
Brex is the better fit for enterprise: we rate it 7/10 for them, against 1/10 for Abby.
