Why finance teams work better with Moss
Built for finance teams who want more than just basic management. Moss combines real credit cards, flexible approvals, advanced accounting workflows, and AI automation on one single platform.
Built for finance teams
Moss covers the details that really matter: automatic VAT splits; processing of prepaid expenses; and advanced accounting integrations.
Designed to fit your processes
Customized approval workflows; 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 can scale without slowing down.
Trusted by finance teams at leading European companies
Why companies are switching to Moss
Moss has what other tools don't: real Mastercard credit cards instead of debit cards, smart automation that goes beyond OCR, and two-way synchronisation with tools like Exact Online. Unlimited virtual cards, support from finance experts, and no per-user fees.
Complete control. Global coverage.
Avoid shared cards, declined payments, and rigid rules. With Moss, every employee gets the right card with the right limits and settings, while finance retains full control.
- Unlimited virtual cards for any purpose
- Customisable rules by merchant category, time period, or amount
- Genuine Mastercard credit cards for worldwide acceptance
Built-in invoicing workflows that scale
Moss combines invoice automation with built-in procurement workflows. From pre-approved purchase requests to the final payment, everything runs smoothly in a single tool.
- Powerful OCR with automatic updates to supplier data
- AI-driven automation and validations to reduce manual work
- Four-eyes principle for payment approvals and audit-ready documentation
Streamlined out-of-pocket expenses
Moss speeds up the reimbursement of expense claims while finance retains full control—with built-in automation, approvals, and improved tracking.
- OCR reads receipts and automatically groups expenses into reports
- Bulk payments save time and reduce errors
- Smart supplier logic provides a clear overview of expenses per employee
Made for error-free accounting
Moss integrates seamlessly with your accounting software. Thanks to full two-way synchronization, AI-driven coding, and a reliable data stream, your records are always flawless and audit-ready.
- Integrations with Xero, Oracle NetSuite, QuickBooks, Exact, and more
- AI suggests fields based on historical data and custom rules
- No manual detours or workarounds—exports are fully compliant with local accounting standards
The preferred spend management solution for modern finance teams at SMEs.
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.
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 designed for?
Moss is designed for modern finance teams that need more than just a tool for employees who spend money. Whether you’re scaling a fast-growing startup or managing multiple locations, Moss gives you full control over cards, invoices, and expense reports—all within a single platform.
How does Moss help reduce costs?
Moss helps prevent overspending with real-time limits, customized approval workflows, and clear budget ownership. Automation replaces manual work, saving time and reducing the number of full-time equivalents (FTEs). Unlike tools with rigid per-user pricing or hidden costs, Moss offers flexible subscription plans that scale with your business.
Can Moss be integrated with my accounting software?
Yes. Moss integrates with leading systems such as Xero, Oracle NetSuite, QuickBooks, Exact, and more. HR and travel tools can also be easily connected.
Can Moss handle complex approval workflows?
Yes. With Moss, you can build custom multi-step approval workflows based on conditional logic—such as roles, departments, amounts, and more. Whether it’s cards, invoices, or expense reports, Moss adapts to your actual processes.
Is Moss secure?
Absolutely. Moss meets the highest security standards with 3DS authentication, real-time fraud detection, and the four-eyes principle for payments. All data is stored in compliance with the GDPR and is protected by an ISO 27001-certified infrastructure.
How does Moss stand out from other platforms?
Most tools focus exclusively on the employees who make the purchases. Moss, on the other hand, gives finance teams the control they need: with in-depth accounting integrations, advanced approvals, and automation that truly scales. Powerful for finance, simple for the whole team.
What kind of support does Moss offer?
Moss offers fast, expert support from trained finance professionals who understand how modern teams work. No outsourced call centers—just knowledgeable people who speak your language and are there for you when you need help.
Capterra
4.8