01 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.
How Moss and Spendesk compare
Moss brings corporate cards, supplier payments, and direct DATEV integration together. No prepaid wallet required, no per-transaction surprises.
What Moss offers
Duplicate document detection
One inbox for all invoices, with content-based duplicate detection. Catches the same invoice even if the filename changes.
One tool for the full AP workflow
Moss handles cards, invoices and reimbursements so finance doesn't need to stitch systems together.
Team spend, visible to the right people
Approvers get a real-time view of their department's expenses, so oversight happens before the month-end scramble.
Monthly billing, not manual top-ups
Moss works like a traditional corporate card, spend now, settle at month end. No manually topping up wallets before every business trip.
Side by side
Compare Moss and Spendesk on the features that matter.
Virtual & physical cardsCards
Yes
Mastercard
Yes
Visa Debit
Apple Pay & Google WalletCards
Yes
Apple Pay (UK/DE)
Funding modelCards
Credit or debit
Flexible debit or credit funding, subject to eligibility.
Prepaid wallet
Funds are loaded onto the Spendesk platform. Cards draw from wallet balance.
Cards per userCards
Unlimited virtual cards
Project, merchant, subscription and team cards, reassignable as roles change.
Unlimited virtual cards on paid plans
Single-use and recurring virtual cards. Physical card allocation set per plan.
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
Audit trailIntegrations
Full exportable audit log of all user actions
Journal exports and snapshots only
Full audit trail requires procurement add-on.
Xero, NetSuite, QuickBooksIntegrations
Yes
Yes
DATEV integrationIntegrations
Yes
Auto supplier-data sync + direct export to DATEV Rechnungswesen. Available on advanced plans.
Yes
Export-based — Exports transactions and receipts in DATEV-compatible format via DATEV Schnittstelle. Bulk export with tagging rules.
Mileage reimbursementReimbursements
Yes
Adjustable rates by engine type, journey type, and distance.
Yes
Basic mileage reimbursement. No rate customisation.
Pricing model
Transaction-volume, unlimited users
No separate per-invoice or per-reimbursement fees. Variable fee based on transaction volume.
Subscription + transaction volume
Fixed plan fee. Each plan includes 100 transactions/month. Additional fees after.
Outbound supplier payoutsAP
SEPA Instant, Multi-currency
Multi-currency payouts
EU regulator
Yes
BaFin (Germany)
Yes
ACPR (France)
Sources fetched 21.05.2026 from getmoss.com and spendesk.com. Capability rows cross-referenced against G2, Trustpilot and Capterra reviews.
A closer look
Three reasons finance teams choose Moss.
02 Datev
DATEV built in, on every plan.
All Moss plans include DATEV Unternehmen Online. Advanced plans add two-way sync with DATEV Rechnungswesen.
03 Cards
As many virtual cards as needed.
Moss lets finance teams issue unlimited virtual cards per user, assigned by project, merchant, or subscription. Cards can be reassigned when roles change.
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your workflow.
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