Softwr

Accounting · head to head

ADP vs Moss

ADP logo

ADP

Accounting

Always Designing for People

From
$29/month
Rated
-
Full reviewWebsite
Moss logo

Moss

Accounting

European corporate cards, invoice management and accounting automation

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: ADP no pricing is published; every quote is custom and driven by employee count and which services are taken; Moss pricing is not published anywhere, so the only way to compare Moss with Pleo or Payhawk is to run parallel sales processes and reveal your spend volume to all of them.
  • They diverge on capability: ADP covers Payroll, Moss covers Corporate credit cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which ADP and Moss actually diverge.

Attributes where ADP and Moss differ
AttributeADPMoss
Starting price$29/monthOn request
Pricing modelsubscriptionquote
Founded1949Unknown

Identical on both: free tier (No), platforms (Web, Ios, Android), user rating (Not yet rated), category (Accounting).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in ADP

  • Payroll
  • Tax services
  • HR management
  • Time & attendance
  • Benefits administration
  • QuickBooks
  • Sage
  • Oracle

Only in Moss

  • Corporate credit cards
  • Invoice management
  • Employee reimbursements
  • DATEV export
  • Accounting preparation
  • Budgets and teams
  • Receipt matching
  • Multi entity

What people use each for

The jobs each tool is most often brought in to do.

ADP

  • Payroll processing and tax filingnot Moss
  • HR administration and employee recordsnot Moss
  • Time and attendance trackingnot Moss
  • Benefits administrationnot Moss
  • Talent management on the mid-market and enterprise productsnot Moss

Moss

  • A German company whose tax adviser works in DATEV and needs card and invoice data exported without manual rekeyingnot ADP
  • A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot ADP
  • A business consolidating supplier invoice approval and card spend into one approval chainnot ADP
  • A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot ADP

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

ADP

  • No pricing is published; every quote is custom and driven by employee count and which services are taken
  • Split into three separate products by company size, RUN for 1 to 49 employees, Workforce Now for 50 and above, and Lyric HCM for enterprise, so growing across a threshold means changing product rather than plan

Moss

  • Pricing is not published anywhere, so the only way to compare Moss with Pleo or Payhawk is to run parallel sales processes and reveal your spend volume to all of them.
  • Card limits are underwritten, so early stage companies and businesses with thin filed accounts are routinely offered limits well below what they need and the limit can be reduced on review.
  • Coverage is European and weighted to DACH, so any group with United States or Asian entities has to run a second card programme and reconcile two systems.
  • Invoice management is capable but not a full procurement or purchase order system, so businesses needing three way matching against goods receipts will find it thin.
  • As a non bank the credit product depends on partner banks and funding lines, which means the terms behind your limit are set by a party you do not contract with and can change without you being the cause.

Pricing, plan by plan

ADP

$29/month
  • Essential$79/month
    • Payroll
    • Tax filing
    • Direct deposit
  • Enhanced$139/month
    • HR tools
    • Background checks
    • Job posting

Moss

On request
  • Moss$undefined/year
    • Platform fee plus per user components, quoted per customer
    • Card limits set by underwriting against company financials
    • DATEV export and accounting preparation included in core plans

Which should you pick?

Choose ADP if

  • You need payroll.
  • You work on Web, Ios, Android.
  • You also want tax services.
ADP review

Choose Moss if

  • You need corporate credit cards.
  • You work on Web, iOS, Android.
  • You also want invoice management.
Moss review

Questions people ask

Is ADP or Moss better?
Neither clearly leads. ADP starts at $29/month and Moss at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, ADP or Moss?
ADP starts at $29/month and Moss at On request.
Does ADP or Moss run on more platforms?
ADP runs on Web, Ios, Android. Moss runs on Web, iOS, Android.
What is ADP best used for?
ADP is most often used for payroll processing and tax filing, hr administration and employee records, time and attendance tracking, benefits administration. Of those, payroll processing and tax filing and hr administration and employee records are not what Moss is typically brought in for.
What can ADP do that Moss cannot?
ADP covers Payroll, Tax services, HR management, Time & attendance. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.

Answered from the vendors’ own pages

ADP: How is ADP pricing organized?

ADP organizes pricing by business size: Small Business (1-49 employees), Midsized (50-999 employees), and Enterprise (1,000+ employees). Each segment receives customized pricing tailored to specific business needs.

Source
Moss: Does Moss issue credit or prepaid cards?

Credit in its core German offer, settled monthly against an underwritten limit, rather than requiring a pre funded balance.

ADP: Is there a current promotional offer for ADP payroll?

ADP currently offers 3 months free when signing up for small business payroll (promotion ends 9/24). Contact sales at 800-225-5237 for details and to request pricing based on your employee count.

Source
Moss: Is DATEV export genuinely automatic?

Yes, bookings and receipt images export in DATEV format, which is the main reason German finance teams choose it over non German tools.

Moss: Does Moss work outside Europe?

Not meaningfully. Coverage centres on Germany, Austria, the Netherlands, the UK and Spain, so global groups need a second provider.

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