Moss vs Pleo

Moss8.8Visit Pleo8.5Visit

Higher score Moss #4 in Corporate Card Software 8.8/10 Free plan Free plan✓ 1 of 5 features Visit Moss

vs

Pleo #7 in Corporate Card Software 8.5/10 Paid ✓ 1 of 5 features Visit Pleo

• Moss fits best

  European teams wanting cards and finance workflows

• Pleo fits best

  Established teams needing cards and AP coverage

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Side by side

Feature	Moss 8.8/10 Visit ↗	Pleo 8.5/10 Visit ↗
At a glance
Editor score	8.8	8.5
Ranking	#4 in Corporate Card Software	#7 in Corporate Card Software
Best for	European teams wanting cards and finance workflows	Established teams needing cards and AP coverage
Pricing model	Free plan + paid	Paid
Starting price	—	$14/user/mo
Free plan	✓ (best)	—
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Integrations	8 integrations	8 integrations
Features Moss 1/5 · Pleo 1/5
Physical cards	Not checked yet	Not checked yet
Virtual cards	Not checked yet	Not checked yet
Spend controls	Not checked yet	Not checked yet
Approval workflows	✓	✓
Receipt capture	Not checked yet	Not checked yet
Specs
Supported currencies	Not checked yet	Not checked yet
Our review
Pros	Free plan includes up to 3 users with unlimited cards Covers cards, budgets, approvals, expenses, invoices, and reimbursements Integrates with DATEV, Xero, NetSuite, SAP, and other ERP systems	Physical and virtual cards with limits, budgets and approval workflows Combines expenses, reimbursements, mileage and accounts payable Supports multi-currency spending plus eight accounting and HRIS integrations
Cons	Free plan is limited to 3 users and 20 invoices per month Free Moss wallet uses debit-only funding Paid pricing varies by modules, add-ons, and transaction volume	No free plan, with pricing starting at USD 14 per user monthly Build and Optimise pricing shown with a three-user minimum Supplier invoice payments are unavailable to US customers
Our verdict	Moss is a spend management platform from Nufin GmbH for finance and business teams at growing companies. It brings physical and virtual corporate cards together with real-time spend tracking, budgets, approval workflows, employee… Read the review →	Pleo brings company cards, expense management, reimbursements and accounts payable into one spend-management platform for businesses and finance teams. Employees can use physical or virtual cards, submit out-of-pocket expenses, manage… Read the review →

Strengths and trade-offs

• Moss — where it wins

  • Free plan includes up to 3 users with unlimited cards
  • Covers cards, budgets, approvals, expenses, invoices, and reimbursements
  • Integrates with DATEV, Xero, NetSuite, SAP, and other ERP systems

  Where it doesn't

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

• Pleo — where it wins

  • Physical and virtual cards with limits, budgets and approval workflows
  • Combines expenses, reimbursements, mileage and accounts payable
  • Supports multi-currency spending plus eight accounting and HRIS integrations

  Where it doesn't

  • No free plan, with pricing starting at USD 14 per user monthly
  • Build and Optimise pricing shown with a three-user minimum
  • Supplier invoice payments are unavailable to US customers

• Moss8.8/10 · Free plan

  A broad corporate spend platform with a useful free plan and modular paid tiers.

  Visit MossFull verdict →
• Pleo8.5/10 · Paid

  A broad spend platform for established teams that need cards, controls and AP tools.

  Visit PleoFull verdict →