01 Cards
As many virtual cards as your team needs.
Moss lets finance teams issue unlimited virtual cards per user, assigned by project, merchant, or subscription. Cards can be reassigned when roles change.
How Moss and Pleo compare
Cards, pricing, DATEV integration, all in one overview.
What Moss offers
Unlimited virtual cards per user
Project, merchant and subscription cards, all reassignable as roles change.
70+ currencies for global payouts
Supplier payments in 70+ currencies with SEPA Instant on euro transfers.
4-eyes approval enabled by default
Multi-step, role-based approvals on cards, payments and reimbursements.
Auto-send receipt reminders
Moss sends instant reminders after every purchase and blocks overdue cards.
Side by side
Compare Moss and Pleo on the features that matter.
Virtual & physical Mastercard cardsCards
Yes
Yes
Apple Pay & Google WalletCards
Yes
Yes
Per-card spending limits, MCC controls, freezeCard management
Yes
Yes
OCR receipt capture (mobile + web)Expenses
Yes
Yes
Multi-step / role-based approval workflowsAP & invoices
Yes
Yes
Xero, NetSuite, Business Central, QuickBooksIntegrations
Yes
Yes
Mileage reimbursementReimbursements · Pocket
Yes
Yes
Purchase orders / procurementProcurement
Procure-to-pay
PO creation, approval workflows, and invoice matching, available across plans.
Purchase orders
PO creation, approval, and invoice matching. Available on the Beyond plan only
EU regulator
BaFin (Germany)
EMI licence
FSA (Denmark)
EMI licence
Approval workflow customisationPolicies
Per-cost-centre, 4-eyes on payouts
No-code approval builder with cost-centre routing and configurable 4-eyes authorisation on supplier payouts.
Multi-step, 4-eyes available
Configurable multi-step approvals with 4-eyes principle.
Cards per userCard limits
Unlimited virtual cards
Project, merchant, subscription and team cards. Moss reassigns cards as roles change.
Limited
1 standard virtual + 1 physical card per user. Vendor cards can be reassigned.
Funding modelPricing
Credit or debit
Flexible debit or credit funding — subject to eligibility.
Prepaid + Overdraft
Prepaid wallet with instant top-ups via Open Banking (UK, FR, NL). Overdraft credit product available in 4+ countries.
Credit / overdraft offeringFunding
Credit line
Credit funding option with eligibility criteria. Integrated into card and AP workflows.
Overdraft
Overdraft product available in 4+ countries (not just UK). Separate from prepaid wallet.
DATEV integrationIntegrations
Two-way sync
Auto supplier-data sync + direct export to DATEV Rechnungswesen.
One-way export
Exports to Kassenbuch (cash ledger); no Rechnungswesen sync.
Pricing modelPricing
Transaction-volume, unlimited users
Per-user and per-transaction
Exact Online integrationNL accounting
Real-time sync
Journal entry export
Hourly journal entry export to Exact Online.
Per diem / meal allowanceGermany
Germany
Germany and Sweden
ATM withdrawals on cards by defaultCard features
No
Yes
Sources fetched 21.05.2026 from getmoss.com and pleo.io. Capability rows cross-referenced against G2, Trustpilot and Capterra reviews.
A closer look
Three things that Moss does differently.
Cards, DATEV integration, and pricing. Three areas where Moss and Pleo take a different approach.
02 Approvals
Structured approvals with 4-eyes check.
Moss supports multi-step, role-based approval workflows for cards, reimbursements, and supplier payments. 4-eyes authorisation on payouts is enabled by default.
03 Pricing
Predictable as you grow.
Moss includes unlimited users with no separate per-invoice or per-reimbursement fees. A variable fee based on transaction volume applies. No stated cashback cap.
Get MossThe spend platform
The spend platform
that grows with you.
Book a 30-minute demo tailored to your approval workflows, cards, and reimbursement setup.
Book a demo