Moss publishes no list price for its paid plans. It charges a single platform fee determined by the modules chosen, plus variable transaction fees on card transactions, invoices and reimbursements, and states that there is no per-user charge no matter how many users an account has. There is a free plan for up to 3 users with unlimited cards and up to 20 invoices a month.

Which countries can use Moss?

The vendor states that Moss serves businesses in the UK, Germany, Austria and the Netherlands, and that it processes payments in more than seventy currencies.

Moss

AI features

AI-powered accounting, offered as an add-on, codes expenses automatically as they come in.

European spend management with corporate cards, reimbursements and accounts payable, priced as a platform fee rather than per user.

Starting price: Free plan; paid plans on request
Free trial: Free plan for up to 3 users with unlimited cards and up to 20 invoices a month, on a debit-funded Moss wallet
API: Yes, a public REST API (v1) using OAuth 2.0 client credentials

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Overview

Moss is a European spend management platform that brings corporate cards, employee reimbursements and supplier invoices into one system. Cards carry built-in controls and real-time tracking, receipts are captured automatically, and an AI accounting feature codes expenses as they arrive. Rather than keeping its own ledger, Moss exports transactions and accounting attributes into more than twenty accounting and ERP systems, among them DATEV, Xero and NetSuite. The vendor serves businesses in the UK, Germany, Austria and the Netherlands, and says the product is developed and hosted in Germany.

Our take

Moss is aimed squarely at European finance teams, and the country list is the first thing to check, because a company outside its four markets is not the buyer here. The pricing model is the real differentiator against per-seat rivals: a flat platform fee with no charge per user flips the maths for a company that wants cards in many hands but only a few people in finance. Nothing is published, though, so a comparison against a listed per-user price takes a sales conversation. And this is spend management, not bookkeeping, so it goes alongside an accounting system rather than replacing one; a team that wants a ledger should pick something else.

Key Facts

Category	Accounting & Invoicing
Starting price	Free plan; paid plans on request Moss publishes no list price for its paid plans. It charges a single platform fee based on the modules chosen, plus variable transaction fees on card transactions, invoices and reimbursements, and states there is no per-user charge regardless of how many users there are.
Free trial	Free plan for up to 3 users with unlimited cards and up to 20 invoices a month, on a debit-funded Moss wallet
API	Yes, a public REST API (v1) using OAuth 2.0 client credentials
Users	More than 7,000 companies, per the vendor
Hosting	Cloud; the vendor states the product is developed and hosted in Germany
Made in	Germany, per the vendor

Screenshots

Placeholders. They are replaced as soon as the vendor sends material, and both open the same short form.

Features

Invoicing and quotes: Incoming supplier invoices only, through the Accounts Payable module, which the vendor describes as smart invoice processing with approval flows. Customer invoicing and quotes are not among the listed features
Bookkeeping and bank feeds: No general ledger of its own. Transactions, receipts and accounting attributes export to connected systems, and the vendor lists more than twenty accounting and ERP integrations including DATEV, Xero, Oracle NetSuite, Exact Online, Microsoft Dynamics 365 Business Central, QuickBooks Online, Sage 50, Sage 200, SAP Business One and Odoo
Expenses and receipts: Yes, physical and virtual corporate cards with built-in controls and real-time tracking, automated receipt capture, digitised employee reimbursements, budgets and custom approval workflows, with AI-powered accounting that codes expenses automatically
Tax and compliance: VAT rates, account codes and suppliers are auto-filled by rules and AI during pre-accounting, OCR splits a receipt into line items and by VAT rate, and the vendor states records are GoBD-certified for German digital bookkeeping requirements. No tax return or filing of its own is listed; that stays with the connected accounting system
Payroll: No payroll module. Moss connects to HR systems instead, naming Personio, Workday, SAP SuccessFactors, Payfit, BambooHR, HiBob, Deel and Factorial, but pay runs happen elsewhere
Reports and exports: Yes, budget management and real-time spend tracking across the company, with Advanced Controlling available as a paid add-on
Integrations and API: Yes, a public REST API at developers.getmoss.com, version v1, authenticated with OAuth 2.0 client credentials exchanged for bearer tokens. It covers expenses including card transactions, invoices and reimbursements, plus accounting attributes and dimensions, users and suppliers, with offset pagination and published rate limits

Integrations

DATEV
Xero
Oracle NetSuite
Exact Online
Microsoft Dynamics 365 Business Central
QuickBooks Online
Sage 50
Sage 200
SAP Business One
Odoo
Lexware
Personio
Workday
SAP SuccessFactors
BambooHR
HiBob
Deel
Slack
Okta
TravelPerk

Deployment and Support

Deployment: Cloud (SaaS)
Browser-based
Onboarding: Documentation and knowledge base
Guided onboarding
Company size: Small and mid-sized
Enterprise

Pros and Cons

Strengths

Single platform fee with no per-user charge, so adding cardholders does not raise the price
Free plan for up to 3 users with unlimited cards
More than twenty accounting and ERP integrations, including DATEV for the German market
Documented public REST API with OAuth 2.0
OCR pre-accounting that splits receipts by line item and VAT rate, on GoBD-certified digital records
Developed and hosted in Germany, per the vendor

Limitations

No published price for the paid plans; the platform fee and transaction fees are quoted
Available only to businesses in the UK, Germany, Austria and the Netherlands
No general ledger and no customer invoicing, so it sits alongside an accounting system rather than replacing one
The free plan caps out at 3 users, 20 invoices a month and a debit-funded wallet
Advanced Controlling, Procurement, ERP integrations and AI-powered accounting are priced as add-ons

Pricing

Free

€0

Up to 3 users with unlimited cards and up to 20 invoices per month. Customisable approval and verification steps, and a Moss wallet on debit funding only.
Paid

Not stated

Quoted. A single platform fee based on the modules chosen (Corporate Cards, Employee Reimbursements, Accounts Payable) plus variable transaction fees, with unlimited users and cards, advanced approval flows and budget controls, accounting and HR integrations, 1:1 onboarding and a choice of debit or credit funding. Advanced Controlling, Procurement, ERP integrations and AI-powered accounting are add-ons.

Alternatives and Comparisons

FAQ

What does Moss cost?: Moss publishes no list price for its paid plans. It charges a single platform fee determined by the modules chosen, plus variable transaction fees on card transactions, invoices and reimbursements, and states that there is no per-user charge no matter how many users an account has. There is a free plan for up to 3 users with unlimited cards and up to 20 invoices a month.
Does Moss replace my accounting software?: No. Moss has no general ledger of its own and does not do customer invoicing or quotes. It handles company spending, namely cards, reimbursements and incoming supplier invoices, and exports transactions and accounting attributes into an accounting or ERP system. The vendor lists more than twenty of those, including DATEV, Xero, Oracle NetSuite, Exact Online, Microsoft Dynamics 365 Business Central and SAP Business One.
Which countries can use Moss?: The vendor states that Moss serves businesses in the UK, Germany, Austria and the Netherlands, and that it processes payments in more than seventy currencies.

What users say

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Last verified: 2026-09-17

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