Brex vs Kolleno (2026): Pricing, Features & Verdict
Brex is our pick, scoring 7.5/10 against 6.9/10 for Kolleno on our Finance Software criteria. Its biggest advantage: higher Cost score (8/10 vs 3/10). For 10 users, Brex is free, against $545/mo for Kolleno; only Brex has a free plan.
Last updated: November 2026
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.
Kolleno
6.9/10
Kolleno is an AI-driven accounts receivable and order-to-cash platform that automates collections, payments, cash application and reconciliation for B2B finance teams.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.5/10 | 6.9/10 |
| Scalability | 8/10 | 7/10 |
| Analytics | 6/10 | 6/10 |
| Compliance | 7/10 | 7/10 |
| Integration | 8/10 | 8/10 |
| Security | 8/10 | 8/10 |
| Support | 6/10 | 8/10 |
| Cost | 8/10 | 3/10 |
| Customization | 7/10 | 7/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | $12/user/mo Premium | $545/mo Business Pay |
| Estimated cost for 10 users | Free Essentials | $545/mo Business Pay |
| Features | ||
| Audit Trail | ||
| Multi-currency | ||
| Multi-entity Consolidation | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Invoicing | Not listed | |
| Online Payments | Not listed | |
| Tax Compliance | Not listed | |
Brex vs Kolleno cost by team size
Brex costs less at every team size we checked.
| Team size | Brex | Kolleno |
|---|---|---|
| 1 user | FreeEssentials | $545/moBusiness Pay |
| 5 users | FreeEssentials | $545/moBusiness Pay |
| 10 users | FreeEssentials | $545/moBusiness Pay |
| 25 users | FreeEssentials | $545/moBusiness Pay |
| 50 users | FreeEssentials | $545/moBusiness Pay |
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 Brex and Kolleno suit
| Audience | Brex | Kolleno |
|---|---|---|
| Finance Teams | 8/10AI expense coding, ERP validation rules and journal export features are built to cut month-end close work. | 9/10It is built for credit control and AR teams, automating collections and cash application. |
| Enterprise | 7/10Enterprise offers unlimited global entities, local card issuance and a named account manager, and Brex has focused on enterprise customers since 2022. | 7/10Enterprise tiers add SAP, Oracle Fusion and NetSuite connectors, a dedicated CSM and 24/7 support. |
| Mid-Market | 8/10Premium adds multi-entity support, custom ERP and HRIS integrations, advanced approvals and live budgets for mid-sized companies. | 8/10The tiers target companies with 1M to 1Bn GBP in turnover, with multi-entity and ERP connectors. |
| Small Business | 4/10Brex exited the small-business market in 2022, and reviewers report account closures for businesses below revenue thresholds. | 4/10An entry plan exists, but its price is high for very small firms. |
| Legal | Not rated | 6/10The Clio integration is aimed at law firms' billing collections. |
| SaaS Companies | 8/10Card rewards multipliers on software and ads spend, plus the startup-focused underwriting, fit tech companies. | Not rated |
| Startups | 9/10The free Essentials tier and card underwriting based on cash balance, with no personal guarantee, are aimed at venture-backed startups. | Not rated |
Which One Should You Choose?
Why choose Brex
- Has a free plan (Kolleno does not)
- Lower estimated cost for 10 users: Free vs $545/mo
- Higher Cost score (8/10 vs 3/10)
- Higher Scalability score (8/10 vs 7/10)
Why choose Kolleno
- Higher Support score (8/10 vs 6/10)
Pros & Cons
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.
Kolleno
Pros
- AI agents automate collection reminders by email, SMS and calls, and reviewers report less staff time spent chasing overdue invoices.
- Connectors cover Xero, QuickBooks, Sage Intacct, Clio, NetSuite, SAP and Oracle Fusion.
- Holds ISO 27001, SOC 1 Type II and SOC 2 Type II.
- Rated 4.9 on G2 from about 111 reviews.
- Combines a payment portal, cash application, disputes and credit risk tools in one AR tool.
Cons
- Entry pricing of several hundred dollars a month is steep for very small businesses.
- Auto-reconciliation and the major ERP connectors are only available on Enterprise tiers.
- Some reviewers want more customizable reporting.
- Reviewers mention missing integrations, and one had to translate the communication templates into French themselves.
- It is not a general ledger, so a separate accounting system is still required.
Not sold on either?
Frequently Asked Questions
Brex scores higher on our Finance Software criteria: 7.5/10 against 6.9/10 for Kolleno. The largest gap is in Cost: 8/10 for Brex and 3/10 for Kolleno.
Brex costs less for 10 users: free on its Essentials plan, against about $545/mo on its Business Pay plan for Kolleno, billed monthly.
Brex has a free plan; Kolleno does not list one.
