Moss vs Pleo

Why customers prefer Moss

Compare Moss cards, integrations, payments and pricing as a Pleo alternative.

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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.

See Moss as a Pleo alternative, feature by feature

Features

Moss

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Pleo

Moss goes further for:

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.

Both aligned:

Virtual & physical Mastercard cardsCards

Yes

Apple Pay & Google WalletCards

Yes

Per-card spending limits, MCC controls, freezeCard management

Yes

OCR receipt capture (mobile + web)Expenses

Yes

Multi-step / role-based approval workflowsAP & invoices

Yes

Xero, NetSuite, Business Central, QuickBooksIntegrations

Yes

Mileage reimbursementReimbursements · Pocket

Yes

Pleo advantages:

Per diem / meal allowanceExpenses

Germany

Germany and Sweden

ATM withdrawals on cards by defaultCard features

Not available

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 at Moss

Three things that Moss does really well.

Cards, DATEV integration, and pricing. Three areas where Moss and Pleo take a different approach.

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.

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 model

Predictable pricing 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.

Migrating