Why switch from Brex?
Brex is leaving companies behind.
In 2022, Brex shut the door on tens of thousands of small and mid-size businesses to chase enterprise deals. Even if you qualify, Brex remains a US-centric platform: limited international payment rails, zero crypto support, and opaque FX pricing that punishes global operations.
- Revenue minimums and complex pricing tiers exclude growing companies
- Dropped SMB customers entirely in 2022 to focus on enterprise
- International payment support is limited to ACH and domestic US wires
- No stablecoin payments, no digital asset support, no offramp functionality
- No business accounts: each entity can't have its own dedicated account
- FX markups on international card spend are not disclosed upfront
- Vendor payments outside the US require workarounds and manual processes
- Onboarding requires extensive documentation and can take weeks for non-US entities
Feature comparison
Request Finance vs Brex: Feature Comparison
Brex is strong for US-based enterprise teams. But for companies that operate globally and need more than domestic card spend, Request Finance fills the gaps.
Corporate Cards
Accounts Payable
Global Operations
Integrations & Accounting
Why Request Finance?
Why companies choose Request Finance over Brex
Open to every business, not just enterprise
Brex shut the door on SMBs and bootstrapped companies. Request Finance works for any business, from 5-person startups to 500-person organizations. No revenue minimums, no complex tiers, no gatekeeping.
Global payment rails, not just ACH
Brex is built around ACH and US domestic wires. Request Finance supports SEPA, SWIFT, ACH, SPEI, Faster Payments (GBP), and stablecoin transfers, so you can pay anyone, anywhere, through the fastest and cheapest rail.
Pay vendors from your crypto treasury
If your company holds USDC, USDT, or other digital assets, Brex can't help you. Request Finance lets you pay vendors and manage your treasury in both stablecoins and local currency, from one platform. Corporate cards coming soon.
Transparent pricing you can actually predict
Brex's pricing has become increasingly complex with tiered plans and add-on fees. Request Finance keeps it simple: clear pricing, no hidden FX markups, and no surprise charges on international transactions.
Use cases
When to choose Request Finance over Brex
Brex told you your business is too small
Your company doesn't meet Brex's revenue minimums or investor requirements. Request Finance has no such gatekeeping: open an account in minutes regardless of size or funding status.
You pay vendors and contractors globally
Your supplier base spans multiple continents. You need SEPA for Europe, SWIFT for the rest, SPEI for Mexico, and stablecoins for crypto-native vendors. Brex only offers ACH.
Your treasury includes digital assets
You hold stablecoins and want to spend them as easily as a bank transfer, paying invoices or sending money to vendor bank accounts. Brex has zero crypto infrastructure. Request corporate cards are coming soon.
You need one platform, not three
With Brex, international payments require workarounds, AP needs supplementing, and crypto is off the table. Request Finance unifies AP, multi-rail payments, and stablecoin support in one place, with corporate cards coming soon.
Get started
3 steps to transform your company's spend management
Open your account
Complete your Know Your Business verification before you go live. It usually takes a few days and means your counterparties are verified too.
Top up your account
Deposit any currency: fiat or stablecoin. Flexible funding options for your business needs.
You are set up!
Your finance team is ready to go. Control, approve, and monitor business spend in real time.
Customers
Trusted by finance teams in 190+ countries.
It has improved the security of our stablecoin payment processes.
David Norris
Head of Finance, Near Protocol
It is a game-changer for any Web3 business looking to streamline their financial operations and take advantage of the benefits of stablecoins.
Magdalena Fichtl
Head of Finance & Operations, Gelato
Request Finance onboarded our Delaware C-corp in just 11 days over the New Year holiday. This was hands-down the most efficient crypto fundraising experience possible given all the KYB, AML and compliance requirements.
Vitality
Founder, Yurtofun
Other solutions we saw did not have all the functionalities we needed, like batch payments.
Sebastien Borget
COO & Co-founder, The Sandbox
Request revolutionized our financial operations by simplifying cross-currency transactions, ensuring transparent and auditable records through a paper trail creation.
Juan Pablo Andersson
Finance Operations, The Sandbox
Request Finance makes it easy for our accountants to manage our payments, and simplifies payroll for our global team.
Rudy Kadoch
CEO, Nested Finance
Request gave me structure. It gave me a workflow to manage supplier payments connected to the contacts of those suppliers along with their wallet addresses. It gave me confidence knowing that I would be sending funds to a supplier's wallet address they have entered directly into their invoice.
Ryan Kris
COO, Verida
The app has essentially eradicated risks associated with human error, such as payments sent to incorrect wallet addresses. Furthermore, it has enhanced our capability to monitor our crypto payroll history, providing improved transparency and oversight.
Jaime Barriga
CEO VP Finance, OpenZeppelin
Request Invoicing and Expenses features have streamlined our processes, providing time-efficient management of payables both in crypto and FIAT. With their intuitive interface and robust functionalities, we've seen a remarkable improvement in tracking, managing, and optimizing our financial workflows.
Vitalij Aleksandrov
Head of Finance, Merit Circle
The team at Sonic Labs used to spend many hours a month just on managing and accounting for crypto payments. With Request, we now spend only far fewer hours processing almost US$100k in payments monthly, and we anticipate that this number will go up.
Michael Kong
CEO, Sonic