Accounting · head to head
Brex vs Netvisor
Netvisor
Accounting
Finnish cloud accounting and payroll with pricing built from a base fee plus per transaction charges
- From
- Free
- Rated
- -
The short version
- Each has a real cost: Brex the free Essentials tier is limited to two legal entities; Netvisor pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
- They diverge on capability: Brex covers Corporate cards, Netvisor covers Finnish general ledger.
- Prices and features above were last checked on 30 August 2026.
Where they differ
Only the attributes on which Brex and Netvisor actually diverge.
Identical on both: starting price (Free), pricing model (subscription), free tier (Yes), user rating (Not yet rated), category (Accounting).
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 Netvisor
- Finnish general ledger
- Value added tax reporting
- Bank connections
- Electronic invoicing
- Purchase invoice workflow
- Sales invoicing
- Payroll
- Incomes register 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 Netvisor
- Expense management and reimbursementsnot Netvisor
- Travel booking inside the spend platformnot Netvisor
- Bill pay and accounting system syncnot Netvisor
- Multi-entity spend management on the paid tiersnot Netvisor
Netvisor
- A Finnish company whose accounting firm works in Netvisor and wants the client approving purchase invoices in the same systemnot Brex
- A Finnish employer needing payroll that handles collective agreement terms and reports to the incomes register on timenot Brex
- A business receiving and sending structured e-invoices with Finnish counterparties that require themnot Brex
- A Finnish accounting practice standardising clients on one system with a shared role model rather than one instance per clientnot Brex
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
Netvisor
- Pricing is a base fee plus a charge per sales invoice, per purchase invoice, per payslip and per other transaction, so a company with high document volumes pays a bill that scales with trading activity and cannot be budgeted as a fixed monthly cost.
- It serves Finland, so the tax and payroll logic is useless to entities filing elsewhere, and a Nordic group ends up running a different system in each country even where they belong to the same corporate family.
- The interface, help material and support operate in Finnish, so a foreign owned subsidiary needs a Finnish speaking bookkeeper or accounting firm to operate it and cannot supervise it directly from head office.
- Finnish payroll requires collective agreement terms to be configured correctly, and getting holiday pay, supplements and shift rules right is specialist work usually done by a partner, so payroll implementation is a paid project rather than a setup wizard.
- Because most deployments come through an accounting firm, the practical service you receive depends on that firm's competence with the product, and changing accountant can mean changing system or inheriting a configuration nobody documented.
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
Netvisor
Free- Starter$25/month
- Basic accounting, 1000 transactions, invoicing, payroll for 1 person
- Basic$25/month
- Basic accounting plus invoicing, 2.06 euros per invoice item, unlimited users, email support
- Core$25/month
- All Basic features, invoices included in monthly cost
- Professional$25/month
- All Core features, broadest software interface, budgeting, reporting, forecasting, purchase and sales orders
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.
Choose Netvisor if
- You need finnish general ledger.
- You want to start without paying.
- You also want value added tax reporting.
Questions people ask
- Is Brex or Netvisor better?
- Neither clearly leads. Brex starts at Free and Netvisor at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Brex or Netvisor?
- Brex starts at Free and Netvisor at Free.
- Does Brex or Netvisor run on more platforms?
- Brex runs on Web, Ios, Android. Netvisor runs on Web.
- Can I use Brex for free?
- Both have a free tier, so you can try either at no cost before committing.
- 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 Netvisor is typically brought in for.
- What can Brex do that Netvisor cannot?
- Brex covers Corporate cards, Business accounts, Expense management, Bill pay. Netvisor covers Finnish general ledger, Value added tax reporting, Bank connections, Electronic invoicing.
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.
SourceNetvisor: Is Netvisor usable outside Finland?
Not as a compliance system. The value is the Finnish tax, banking, e-invoicing and payroll logic. Companies filing elsewhere should look at the local product in the Visma range or another local vendor.
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.
SourceNetvisor: Why is the pricing structured per transaction?
It reflects a Finnish market convention where the accounting firm's fee also scales with document volume. It means a low volume company pays very little and a high volume one pays a great deal, so estimate your annual invoice and payslip counts before comparing headline prices.
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.
SourceNetvisor: Can my accounting firm work in it with me?
Yes, that is the intended model. The practice and the client share one instance with different roles, so the firm does the bookkeeping while you approve purchase invoices and issue sales invoices.
Netvisor: Does it handle payroll for collective agreements?
It supports Finnish collective agreement based payroll, but configuring the specific agreement terms correctly is expert work normally done during a paid implementation. Do not assume payroll is switched on the same week as accounting.
Netvisor: What about the incomes register?
Reporting earnings to the national incomes register within the statutory deadline is built in, which is one of the main reasons Finnish employers use a local product rather than an international one.
Netvisor: Is it a full ERP?
It includes inventory and fixed assets alongside the ledger, which covers a good deal of a small distributor's needs, but it is a financial management system rather than a manufacturing or full supply chain ERP.
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