Take control of company spend before it reaches your ledger
Cards, employee expenses, and supplier invoices run through one controlled workflow. Policy is enforced before money moves, receipts and coding happen automatically, and every transaction reaches your ledger reconciled and ready to close.
See realtime card spend
Issue cards with limits, merchant rules, and approvals set per card, team, or project. Control is applied before the card is used, not after. Choose between debit or credit funding.
Capture accurate employee expenses
Submit claims from your phone, capture receipts on the spot, route approvals by policy, and run payouts directly from Moss.
Match and approve invoices
Invoices captured, matched to approved purchase orders, validated for supplier and VAT detail, and cleared for the payment run.
Trusted by spend teams at Europe's leading companies
See spend as it happens, not after the statement
Finance shouldn't wait for a statement to find out where the money went. Moss shows every transaction the moment it happens and allows department heads and finance to track their budgets in real time.
- Live budgets by team, project, or cost centre
- Every card, expense, and invoice in one real-time feed
- Alerts before a budget is breached, not after
Spend instantly, anywhere
Spenders can pay with their Moss cards in Apple Pay or Google Wallet, snap the receipt on the spot, and they're done. Finance gets clean, coded data without the chasing.
- Pay in store or online with cards in Apple Pay and Google Wallet
- Capture the receipt at the moment of purchase
- Submit expenses and track approvals from a phone
Moss integrates with 50+ finance tools
Enforce policy before money moves
Moss applied your rules at the point of spend: a limit before a card is used, an approval before a claim is paid, a validation before an invoice enters the payment run. One governed audit trail covers all of it.
- Limits, merchant rules, and approval chains per card, team, or project
- Purchase requests and budget checks before a commitment is made
- Supplier and VAT validation, invoice-to-PO and goods-received matching
- Mandatory fields, so nothing moves forward half-coded
Let finance review exceptions, not chase them
Moss does the manual work that sits between spend and the ledger automatically, so finance handles outliers instead of everything.
- Capture receipts by photo, email, or inbox scan, with reminders and on missing-receipt view
- Coding learned from your own bookkeeping, split across accounts, VAT, and cost centres
- Route, chase, and escalate approvals without finance in the loop
- Payment runs prepared from validated invoices
These business have full spend control with Moss
Start with what you need, add as you scale
Begin with corporate cards, employee reimbursements, or accounts payable, then add advanced accounting, procurement, or ERP integrations when you're ready. A dedicated onboarding manager gets your team live without the daunting switch, so you're not left to work it out alone.
Best-in-class customer service, mobile app, and all the financial integrations you need to start effectively managing your spend.
Maximise spend efficiency and control with unlimited virtual cards, customisable limits, and automated receipt fetching. Settle your credit balance at the end of each billing cycle.
Make submitting reimbursements quicker and easier through streamlined upload and approval, and employee payouts directly from Moss.
Streamline accounts payable flow with customisable review process, effective supplier and OCR based automation, and one-click payments.
Improve financial oversight through budget tracking, spend insights, and greater flexibility in your approval flows.
Simplify purchasing through real-time budget oversight and efficient handling of purchase requests.
Native ERP integrations or Moss API for custom integrations, with support for your controlling dimensions.
AI Pre-Accounting for accurate spend attribution, project and cost-centre tracking, and full mandatory-field control.
FAQ
What is spend management software?
It's one system for controlling and recording every kind of company spend, card payments, employee expenses, and supplier invoices, from the moment money is committed through to your accounting ledger. Moss adds the control and the automatic coding on top.
Does Moss replace our accounting system?
No. Moss sits above it. Your ledger stays the system of record, and Moss feeds it structured, coded data through a two-way sync with Xero, DATEV, and more.
Are Moss's platform spend controls suitable for fast-growing businesses?
Yes, Moss enforces control by in-depth policies and approval flows, so it scales as headcount and spend grow. Set limits and approval rules per card, team, or project, require a purchase request before a commitment is made, and let approval routing adapt as thresholds and reporting lines change. Virtual cards are unlimited with no per-user fee, so a growing team doesn't cost more to keep under control. Add reimbursements, accounts payable, or procurement as you scale, without re-implementing.
Which accounting systems does Moss connect to?
Native two-way sync with Xero, QuickBooks, NetSuite, and others, plus an open API for anything custom. See all integrations here.
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