Softwr

Accounting · head to head

Brex vs Heartland Retail

Brex logo

Brex

Accounting

The financial stack for growing businesses

From
Free
Rated
-
Full reviewWebsite
Heartland Retail logo

Heartland Retail

E-Commerce

Omnichannel retail management platform

From
$150/month
Rated
-
Full reviewWebsite

The short version

  • Only Brex has a free tier, so it costs nothing to try first.
  • They diverge on capability: Brex covers Corporate cards, Heartland Retail covers Point of sale.

Where they differ

Only the attributes on which Brex and Heartland Retail actually diverge.

Attributes where Brex and Heartland Retail differ
AttributeBrexHeartland Retail
Starting priceFree$150/month
Free tierYesNo
PlatformsWeb, Ios, AndroidWeb
CategoryAccountingE-Commerce
Founded20171997

Identical on both: pricing model (subscription), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Brex

  • Corporate cards
  • Business accounts
  • Expense management
  • Bill pay
  • Travel
  • QuickBooks
  • NetSuite
  • Xero

Only in Heartland Retail

  • Point of sale
  • Omnichannel selling
  • Inventory management
  • Customer management
  • Payment processing
  • Employee management
  • Analytics
  • Reporting

What people use each for

The jobs each tool is most often brought in to do.

Brex

  • Corporate cards with spend controls for startupsnot Heartland Retail
  • Expense management and reimbursementsnot Heartland Retail
  • Travel booking inside the spend platformnot Heartland Retail
  • Bill pay and accounting system syncnot Heartland Retail
  • Multi-entity spend management on the paid tiersnot Heartland Retail

Heartland Retail

No use cases recorded yet. See the Heartland Retail review.

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Brex

  • The free Essentials tier is limited to two legal entities
  • Premium is $12 per user per month, so cost scales with headcount using the card
  • Enterprise and Smart Card pricing is not published
  • Eligibility criteria are not stated anywhere on the pricing page, which matters for a product that extends credit

Heartland Retail

Nothing recorded yet. See the Heartland Retail review.

Pricing, plan by plan

Brex

Free
  • EssentialsFree
    • Global card acceptance
    • Accounting integrations
    • Real-time reporting
  • Premium$12/month
    • per user
    • Custom expense policies
    • Dynamic approval chains
  • Enterprise$null/month
    • Custom pricing

Heartland Retail

$150/month
  • Core$150/month
    • POS system
    • Inventory management
    • Customer management
  • Professional$350/month
    • All Core features
    • Omnichannel
    • Advanced analytics

Which should you pick?

Choose Brex if

  • You need corporate cards.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want business accounts.
Brex review

Choose Heartland Retail if

  • You need point of sale.
  • You also want omnichannel selling.
Heartland Retail review

Questions people ask

Is Brex or Heartland Retail better?
Neither clearly leads. Brex starts at Free and Heartland Retail at $150/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Brex or Heartland Retail?
Brex has a free tier; the other does not. Paid plans start at Free for Brex and $150/month for Heartland Retail.
Does Brex or Heartland Retail run on more platforms?
Brex runs on Web, Ios, Android. Heartland Retail runs on Web.
Can I use Brex for free?
Yes. Brex has a free tier, so you can try it without paying. Heartland Retail starts at $150/month.
What is Brex best used for?
Brex is most often used for corporate cards with spend controls for startups, expense management and reimbursements, travel booking inside the spend platform, bill pay and accounting system sync. Of those, corporate cards with spend controls for startups and expense management and reimbursements are not what Heartland Retail is typically brought in for.
What can Brex do that Heartland Retail cannot?
Brex covers Corporate cards, Business accounts, Expense management, Bill pay. Heartland Retail covers Point of sale, Omnichannel selling, Inventory management, Customer management.

Answered from the vendors’ own pages

Brex: Does Brex have a free plan?

Yes. Brex Essentials is free for startups and growing companies and includes global card acceptance, AI-powered rules, accounting integrations, real-time reporting, and bill pay.

Source
Brex: What is Brex Premium pricing?

Brex Premium costs $12 per user per month and is designed for mid-sized companies. It adds custom expense policies, dynamic approval chains, AI compliance auditing, multi-entity support, and live budgets.

Source
Brex: What countries accept Brex cards?

Brex cards are accepted in 210+ countries. The Smart Card plan offers local-currency cards in 50+ countries for companies focused on procurement simplification and international payments.

Source
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