Moss vs Spendesk

Moss8.8Visit Spendesk8.6Visit

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

vs

Spendesk #6 in Corporate Card Software 8.6/10 Pricing on request ✓ 1 of 5 features Visit Spendesk

• Moss fits best

  European teams wanting cards and finance workflows

• Spendesk fits best

  Finance teams needing flexible virtual cards

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Side by side

Feature	Moss 8.8/10 Visit ↗	Spendesk 8.6/10 Visit ↗
At a glance
Editor score	8.8	8.6
Ranking	#4 in Corporate Card Software	#6 in Corporate Card Software
Best for	European teams wanting cards and finance workflows	Finance teams needing flexible virtual cards
Pricing model	Free plan + paid	Paid
Starting price	—	—
Free plan	✓ (best)	—
Free trial	—	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Integrations	8 integrations	9 integrations
Features Moss 1/5 · Spendesk 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, single-use, recurring, and multi-use virtual cards Approval workflows with conditions, thresholds, and sequential steps Cards, expenses, invoices, reimbursements, and budgets in one system
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	Quote-based pricing requires a sales conversation Accounts Payable and payment capabilities vary by module or region The broad feature set may exceed the needs of simple card programs
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 →	Spendesk is a spend management platform for finance teams and employees. It combines physical corporate cards, virtual cards, approval workflows, budgets, supplier invoices, expense claims, reimbursements, receipt capture, reporting,… 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

• Spendesk — where it wins

  • Physical, single-use, recurring, and multi-use virtual cards
  • Approval workflows with conditions, thresholds, and sequential steps
  • Cards, expenses, invoices, reimbursements, and budgets in one system

  Where it doesn't

  • Quote-based pricing requires a sales conversation
  • Accounts Payable and payment capabilities vary by module or region
  • The broad feature set may exceed the needs of simple card programs

• Moss8.8/10 · Free plan

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

  Visit MossFull verdict →
• Spendesk8.6/10 · Pricing on request

  A broad corporate spending platform for finance teams that need flexible card controls.

  Visit SpendeskFull verdict →