Brex vs. SAP Card Management

Very well suited for founders who are building companies in the US but are not US citizens. Works like a charm for start-ups who are looking for a cutting-edge product and not an outdated bank! Small-medium teams. Not well suited for those who are used to traditional banking and prefer in-person interaction or over the phone.

Incentivized

It is an incredible tool for companies with frequent travel or frequent expenses with corporate cards, companies that are seeking automation of processes, who want technology over a simple and manual expense reconciliation done in excel. Particularly helpful in markets where country tax system and needs are very strict, and invoice and receipt records are required

Incentivized

• Rewards - The rewards were the main reason for us switching. Our previous card provider did not have a good rewards program.
• User Interface and experience - When a charge is recorded on the Brex card, users immediately receive a text notification asking them to send a picture of their receipt. Brex automatically attaches the receipts to the charge which has saved our users a significant amount of time.

Incentivized

• Tracks Expenses
• Ease of use
• Requires approved request

Incentivized

• It can be somewhat confusing to transfer money between the credit card and bank side
• More help identifying areas of overspending
• More help tracking spending around specific accounts

Incentivized

• Modify approval flow can be hard
• Speed between card company and the app. Bank app is immediate, it can take up to a few days to have expenses reflected in SAP Card Management apps

Incentivized

Prompt and always extremely fast to respond. I also think the intuitiveness of their solution negates the need for much support

Divvy allows you to get hyper focused in on how much individuals are allowed to spend. Honestly it is comparable to Brex, but is more well suited for micromanaging organizational spend. Brex is good because I am able to give my employees limits that match our budgets and I don't care about micromanaging their spend.

Incentivized

SAP Card Management stacks up against the rest because of it's flexibility in use. We selected SAP Card Management because it is user friendly and helps management track spending and reports on areas where savings can be found. I recommend any SAP product they are extremely helpful and a great Return on Investment.

Incentivized

• No fee wire transfer.
• Net 60 credit card terms is good for our cashflow.
• Fast and easy employee credit cards saves us time.

Incentivized

• Time reduction of reconciliation of expenses vs. manual process in excel
• Avoids loosing records of expenses and receipts
• Manager reports can help identify high spenders or late reporters (impacting in late fees)

Incentivized