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Agency Software Comparison

MOCO vs. Paymo

At a glance

At a glance

MOCO

Best for

Best for small and mid-sized agencies, consultancies and IT service providers that want quoting, time tracking and invoicing in one focused tool.

  • Freelancers
  • Small and mid-sized

Paymo

Best for

Best for agencies, creative teams and freelancers that want project management, time tracking and invoicing in one affordable tool.

  • Freelancers
  • Small and mid-sized

Cataleo does not name a winner. Both statements come from the vendors themselves.

Full Comparison

Criterion MOCO Paymo
Starting price From €15 / user / month Core plan, per user and month excluding VAT. Pro is €21 and Unlimited €24, the latter from 25 users. Free tier; paid from $9.90 / month Solo plan for a single user, billed monthly. Team plans (Plus, Pro) are per user and month, cheaper billed annually. Prices in US dollars.
Free trial 30 days 15-day free trial, no credit card required
API Not stated Yes, API access from the Plus plan
Languages German, English Not stated
Hosting Cloud, Swiss-made Cloud (SaaS)
Made in Switzerland Not stated
Time tracking Yes, stopwatch, NFC, mobile app and work-time recording Yes, timers, timesheets and timesheet reports
Project costing Yes, quotes and offers, budgets with alerts Yes, project budgets and estimates, with flat-rate and retainer projects
Invoicing Yes, invoicing by effort with hour statements, multi-currency Yes, estimates and invoices, with recurring invoices on higher plans
Resource planning Yes, capacity and utilisation planning Yes, employee scheduling and workload, plus leave management on the Pro plan
Reporting and controlling Yes, profitability reporting Yes, timesheet and project reports
Integrations and API Yes, API Yes, API access from the Plus plan
AI features stated Yes No
MCP-ready stated Yes No
Deployment Cloud (SaaS), Browser-based Cloud (SaaS), Browser-based
Support Chat more entries Email helpdesk, Community forum
Onboarding Documentation and knowledge base, Video tutorials more entries Documentation and knowledge base, Video tutorials, Guided onboarding
Company size Freelancers, Small and mid-sized Freelancers, Small and mid-sized
Integrations more entries DATEV Unternehmen online, Personio, Slack, Jira, Asana, Microsoft Power BI, Memtime, GetMyInvoices, Make, Zapier, Webhooks, API Google Calendar, Slack, QuickBooks Online, Zapier, Make, Typeform, Pomodone, LambdaTest, Shift

Compare more tools

Row where the values differ The small markers point at the lower number, the longer list or the stated feature. They describe the data, they are not a verdict.

The short version

Key Differences

  • Starting price MOCO From €15 / user / month Paymo Free tier; paid from $9.90 / month
  • Free trial MOCO 30 days Paymo 15-day free trial, no credit card required
  • Hosting MOCO Cloud, Swiss-made Paymo Cloud (SaaS)
  • Support MOCO Chat Paymo Email helpdesk, Community forum
  • AI features MOCO Yes Paymo No

Every line is one datapoint from the table above, picked automatically. Nothing here is written text.

The trade-offs

Strengths and Limitations

MOCO

Strengths

  • Focused and easy to learn
  • Clean quote-to-invoice and time tracking
  • Responsive in-app chat support

Limitations

  • Interface can feel complex for new users
  • Lighter on heavy enterprise depth

Paymo

Strengths

  • Combines project management, time tracking and invoicing in one tool
  • Free plan and a low-cost single-user Solo plan
  • 15-day free trial with no credit card

Limitations

  • Gantt charts and employee scheduling only on the Pro plan
  • API access starts on the Plus plan

Plans

Pricing

MOCO

  • Core €15 Per user and month, excluding VAT. Core functions for sole traders and small teams.
  • Pro €21 Per user and month, excluding VAT. Adds leads, capacity planning and incoming invoices, with AI-assisted OCR and single sign-on included.
  • Unlimited €24 Per user and month, excluding VAT. All-inclusive plan from 25 users, with a personal Q&A session.
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Paymo

  • Free $0 One user, one client and two projects. Time tracking and invoicing.
  • Solo $9.90 Per month for a single user. Adds flat-rate and retainer projects, more clients and projects, and task views.
  • Plus $15.90 Per user and month. Adds proofing and versioning, recurring tasks, recurring invoices, estimates, integrations and API access.
  • Pro $23.90 Per user and month. Adds Gantt charts, task dependencies, employee scheduling and workload, and leave management.
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What users say

Review Scores · opens after launch

MOCO

Ease of use
Not rated yet
User interface
Not rated yet
Onboarding
Not rated yet
Support and service
Not rated yet
Value for money
Not rated yet
Features
Not rated yet

No reviews yet. Be the first to review this tool. Every review is checked for fairness before it appears, and the vendor cannot have one removed.

Paymo

Ease of use
Not rated yet
User interface
Not rated yet
Onboarding
Not rated yet
Support and service
Not rated yet
Value for money
Not rated yet
Features
Not rated yet

No reviews yet. Be the first to review this tool. Every review is checked for fairness before it appears, and the vendor cannot have one removed.

Where this comes from

Where this comes from

MOCO https://www.mocoapp.com · checked against the official source on 2026-09-01

Paymo https://www.paymoapp.com · checked against the official source on 2026-08-22

This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.