Moss
Moss: Moss brings cards, budgets, invoices, and reimbursements into one finance platform. Ranked #6 of 30 in Spend Management Software by our editors (8.5/10); pricing: Free plan; best for european teams needing broad finance integrations.
At a glance
- Editor score8.5 / 10
- PricingFree plan
- Best forEuropean teams needing broad finance integrations
- Free planYes
- Approval workflowsYes
- Founded2019 · Berlin, Germany
- Facts checked19 Sep 2026
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
Our verdict on Moss
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 spend in real time, and manage expenses through web, iOS, and Android apps. The product also covers invoice capture and payment, receipt matching, and employee reimbursements, so it suits organizations looking to coordinate several spending processes rather than manage cards alone.
Its accounting and ERP connections are a notable part of the fit for teams with established finance systems. Moss lists DATEV, Xero, Exact Online, NetSuite, QuickBooks, AFAS, SAP, and Microsoft Dynamics integrations, alongside multi-currency accounts and currency-specific virtual cards. These capabilities can support finance teams that need transaction data to connect with accounting workflows and manage spending across currencies. The breadth may be more than a company needs if its priority is only issuing cards or handling reimbursements.
The free plan covers up to 3 users, unlimited cards, and up to 20 invoices per month, with customisable approval and verification steps and a Moss wallet funded by debit only. Paid plans add unlimited users and cards, advanced approval flows, budget controls, accounting integrations, and add-ons. According to the vendor's pricing model, paid costs depend on selected modules, add-ons, and transaction volume, so buyers should assess the combination of capabilities they need. Moss is a stronger fit for teams seeking connected finance workflows; organizations needing unrestricted invoice volume or advanced controls on a free plan may prefer another approach.
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Moss pricing
Moss fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Budget controls | Yes |
| Approval workflows | Yes |
| Corporate cards | Yes |
| Bill pay | Yes |
| Expense reimbursements | Yes |
| Multi-currency support | Yes |
| Card issuance | Both |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Integrations | 8 integrations: DATEV, Xero, Exact Online, NetSuite, QuickBooks, AFAS … |
| Pricing | Free plan (source) |
| Website | getmoss.com |
| Facts checked | 19 Sep 2026 |
Moss integrations
Moss lists 8 integrations on its own site.
- DATEV
- Xero
- Exact Online
- NetSuite
- QuickBooks
- AFAS
- SAP
- Microsoft Dynamics
Alternatives to Moss
- RhoRho brings cards, expense workflows, reimbursements, and bill pay into one free platform.9.4
- BILL Spend & ExpenseA free card and expense platform with accounting sync, subject to card and payment fees.9.2
- Zoho SpendA broad spend suite spanning expenses, cards, procurement, invoices, and budgets.9.0
Moss vs the competition
Compare Moss with any tool side by side →
Also Ranked In
Moss is ranked in 5 of our directories.
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Featured on iTechGuides
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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