Why finance teams run better with Moss
Built for finance teams who need more than just basic spend control. Moss combines real credit cards, scalable approvals, advanced accounting workflows, and AI-powered automation in one platform.
Built for finance teams
Moss covers the details that matter: automated VAT splits, prepaid expense handling, and advanced accounting integrations.
Made to match your processes
Custom approval flows, supplier management and flexible coding. Moss adapts to your workflows, not the other way around.
Ready to scale with you
Unlimited virtual cards, flexible pricing, and automation built for complex teams so you scale without slowing down.
Trusted by finance teams at Europe's leading companies
Why companies switch to Moss
Moss offers what spend tools often lack: real Mastercard credit cards instead of debit, smart accounting automations that go beyond OCR, and two-way sync with tools like Xero. No user-based pricing, no caps on virtual cards, and support from people who understand finance teams.
Full control. Global reach.
Avoid shared cards, blocked payments, and inflexible rules. With Moss, every employee gets the right card with the right controls, and finance keeps full visibility.
- Unlimited virtual cards for any purpose
- Custom rules by merchant category, time, or amount
- Real Mastercard credit cards for global acceptance
Built-in invoice workflows that scale
Moss combines invoice automation with built-in procurement workflows. From pre-approved purchase requests to final payment, everything runs in one tool.
- Powerful OCR with automatic supplier updates
- AI-powered automation and validations to reduce manual work
- Four-eyes payment approvals and audit-ready documentation
Make out-of-pocket spend painless
Moss speeds up reimbursements while giving finance full control — with automation, approvals, and better tracking built in.
- OCR reads receipts and groups expenses into reports
- Bulk payouts save time and reduce errors
- Supplier logic ensures clear spend tracking per employee
Built for accurate books
Moss connects to your accounting tools the right way. With two-way sync, AI-powered coding, and reliable data flow, your books stay clean and audit-ready.
- Integrations with Xero, Oracle NetSuite, QuickBooks, and more
- AI suggests fields based on historical data and custom rules
- No manual workarounds — exports follow local accounting standards
The preferred spend management solution for modern SMB finance teams.
G2
4.8
Smarter spend.
On your terms.
Start free with core features or unlock the full power of Moss with advanced approvals and smart automation.
Free Plans
Best for small teams getting started with spend control. Upgrade anytime.
- Up to 3 users with unlimited cards
- Up to 20 invoices per month
- Custom approval & verification steps
- Moss wallet (debit only)
Paid Plans
Ideal for growing companies that need more control and automation, with a package tailored to your needs.
- Unlimited users, cards & invoices
- Advanced approval flows & budget controls
- Accounting integrations and access to add-ons
- Smart user management with HR integrations
- 1:1 onboarding support
- Flexible debit or credit funding options (eligibility applies)
Moss integrates with 50+ finance tools
FAQ
Who is Moss built for?
Moss is built for modern finance teams who need more than just a tool for spenders. Whether you're scaling a fast-growing startup or managing multiple locations, Moss gives you full control over cards, invoices, and reimbursements — all in one platform.
How does Moss help reduce costs?
Moss helps prevent overspending with real-time limits, custom approval flows, and clear budget ownership. Automation replaces manual work, saving time and headcount. Unlike tools with rigid user pricing or hidden fees, Moss offers flexible plans that grow with your business.
Can Moss integrate with my accounting software?
Yes. Moss integrates with leading systems like Xero, Oracle NetSuite, QuickBooks, Exact and more. HR and travel tools can also be connected.
Can Moss handle complex approval flows?
Yes. Moss lets you build custom, multi-step approval flows using conditional logic — based on roles, departments, amounts, and more. Whether it's for cards, invoices, or reimbursements, Moss adapts to your real processes.
Is Moss secure?
Absolutely. Moss meets high security standards with 3DS authentication, real-time fraud detection, and four-eyes approval for payments. All data is stored in compliance with GDPR and protected by ISO 27001-certified infrastructure.
What makes Moss different from other platforms?
Most tools focus only on spenders. Moss gives finance teams the control they need — with deep accounting integrations, advanced approvals, and automation that actually scales. Powerful for finance, simple for teams.
What support does Moss offer?
Moss offers fast, expert support from trained finance professionals who understand how UK teams work. No outsourced call centres — just knowledgeable people who speak your language and are ready to help when you need it.
G2
4.7
Experience modern spend management with Moss.
