Chargeback streamlines spend and scales faster with Brex

Disjointed financial tools, low card limits, and basic rewards

Before adopting Brex, Chargeback relied on separate tools for banking and expenses: Mercury for banking and Ramp for corporate cards. While they were sufficient on their own, using them together created unnecessary friction.

“The lack of a combined banking and credit card system was a killer for us,” says Zach Shakked, co-founder and co-CEO of Chargeback. “It didn’t make sense to have separate tools for banking and spending when the two are very interrelated.”

The disconnect meant more time spent reconciling transactions and less focus on building the business. The team also struggled with Ramp’s basic cash back rewards and rigid credit limits that didn’t grow with them. “We wanted a credit limit that reflected our cash balance, and we wanted card points we could actually use for travel and meaningful rewards. We couldn't get that with Ramp,” Zach adds.

To eliminate friction and scale faster, Chargeback sought a scalable financial stack for banking, cards, and expense management and growth-oriented rewards.

Unified cards, banking, and rewards designed for growth

When evaluating alternatives like Amex, Ramp, and Mercury, Chargeback chose Brex for its unified platform and rewards built for startups. “Brex gave us everything in one place — cards, banking, bill pay, expense management, and a treasury account earning yield,” Zach explains. “Setup was so easy, I barely remember doing it.”

With Brex corporate cards, Chargeback can instantly issue physical and virtual cards, set custom limits, and manage vendor-specific spending in real time. This allows them to prevent runaway charges, control international spend, and give employees the purchasing flexibility they need. And because Brex cards and banking are fully connected, they can pay off balances instantly to improve transparency and accelerate reconciliation.

Brex banking now serves as Chargeback’s central operating account, used for vendor payments, payroll, and everyday expenses. They also use Brex treasury to earn yield on idle cash while maintaining same-day liquidity. Zach calls it “a nice benefit we get just from having cash in the account.”

Together, these tools replaced a fragmented financial stack with an integrated, AI-first startup stack that moves as fast as Chargeback does.

“Brex gave us everything in one place. Setup was so easy, I barely remember doing it.”

— Zach Shakked, co-founder and co-CEO of Chargeback

Time saved, higher limits, and unlimited rewards

Brex has become a key partner in Chargeback’s growth, simplifying operations, improving control, and unlocking meaningful financial benefits.

Chargeback has been able to eliminate 20+ hours a month of manual work when it comes to bill payments. With Brex bill pay, they just upload invoices and let Brex’s AI extract payment details. Vendor data is automatically stored, and recurring payments are scheduled with a few clicks. They’ve also achieved 100% reconciliation accuracy. “Our CPA never has an issue pulling Brex data into our books. Everything integrates cleanly,” Zach says.

With Brex, Chargeback has a credit limit 25x higher than typical limits, and it scales with their cash balance, giving them the freedom to ramp up strategic investments without worrying about constraints. When Chargeback’s marketing spend surged, Brex’s account team quickly raised the company’s credit limit to match. “It’s been great having an account manager who responds fast and helps us scale when we need it,” Zach says. “The Brex team has been receptive to feedback and keeps improving the product.”

Since switching to Brex, Chargeback has been earning Brex rewards points and redeeming them for company travel and team experiences, for a total realized value of around $100,000. Zach shares, “We’re big fans of the travel rewards and have used them for company trips all around the world.”

Beyond efficiency, Zach appreciates Brex’s partnership and attentiveness. “We’re spending and depositing millions, so we expect a high level of service, and Brex delivers,” he adds. “Our account manager is always responsive, and the Brex platform just works. It scales with us and keeps getting better.”

With Brex managing its financial foundation, Chargeback can stay focused on building smarter AI tools that help consumers take control of their subscriptions and their finances.

“Our account manager is always responsive, and the Brex platform just works. It scales with us and keeps getting better.”

— Zach Shakked, co-founder and co-CEO of Chargeback