Brex vs Moss

Brex8.8Visit Moss8.5Visit

Higher score Brex #4 in Spend Management Software 8.8/10 Free plan Free plan✓ 6 of 6 features Visit Brex

vs

Moss #6 in Spend Management Software 8.5/10 Free plan Free plan✓ 6 of 6 features Visit Moss

• Brex fits best

  Global teams needing cards and multi-country billing

• Moss fits best

  European teams needing broad finance integrations

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Side by side

Feature	Brex 8.8/10 Visit ↗	Moss 8.5/10 Visit ↗
At a glance
Editor score	8.8	8.5
Ranking	#4 in Spend Management Software	#6 in Spend Management Software
Best for	Global teams needing cards and multi-country billing	European teams needing broad finance integrations
Pricing model	Free plan + paid	Free plan + paid
Starting price	$12/user/mo	—
Free plan	✓	✓
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Integrations	6 integrations	8 integrations
Features Brex 6/6 · Moss 6/6
Budget controls	✓	✓
Approval workflows	✓	✓
Corporate cards	✓	✓
Bill pay	✓	✓
Expense reimbursements	✓	✓
Multi-currency support	✓	✓
Specs
Card issuance	Both	Both
Our review
Pros	Essentials combines cards, bill pay, reimbursements, reporting, and API access at no cost Premium adds customizable policies, advanced approvals, and multi-entity support Local-currency cards and billing are available in 50+ countries	Combines corporate cards, budgets, reimbursements, and accounts payable Connects with DATEV, SAP, Microsoft Dynamics, and other finance systems Free plan includes unlimited cards and configurable approval steps
Cons	Premium costs $12 per user per month Enterprise and Smart Card pricing is custom Card issuance and regional availability may vary by country and plan	Free plan is limited to 3 users and 20 invoices per month Free wallet supports debit-only funding Paid pricing varies by modules, add-ons, and transaction volume
Our verdict	Brex brings corporate cards, expense management, reimbursements, budgets, approvals, and bill pay into one spend-management platform. It is aimed at startups, growing companies, and enterprises that want to manage employee spending and… Read the review →	Moss brings corporate cards, budgets, reimbursements, accounts payable, and approval workflows together for finance and business teams at growing companies. Teams can issue physical and virtual cards, set spending limits, monitor card… Read the review →

Strengths and trade-offs

• Brex — where it wins

  • Essentials combines cards, bill pay, reimbursements, reporting, and API access at no cost
  • Premium adds customizable policies, advanced approvals, and multi-entity support
  • Local-currency cards and billing are available in 50+ countries

  Where it doesn't

  • Premium costs $12 per user per month
  • Enterprise and Smart Card pricing is custom
  • Card issuance and regional availability may vary by country and plan

• Moss — where it wins

  • Combines corporate cards, budgets, reimbursements, and accounts payable
  • Connects with DATEV, SAP, Microsoft Dynamics, and other finance systems
  • Free plan includes unlimited cards and configurable approval steps

  Where it doesn't

  • Free plan is limited to 3 users and 20 invoices per month
  • Free wallet supports debit-only funding
  • Paid pricing varies by modules, add-ons, and transaction volume

• Brex8.8/10 · Free plan

  A free entry point with spend controls and card options for teams operating across countries.

  Visit BrexFull verdict →
• Moss8.5/10 · Free plan

  Moss brings cards, budgets, invoices, and reimbursements into one finance platform.

  Visit MossFull verdict →