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Accounting · head to head

Adyen vs Moss

Adyen logo

Adyen

Accounting

The payments platform built for growth

From
$0.13/per-transaction
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: Adyen there is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic; 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: Adyen covers Payment processing, Moss covers Corporate credit cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Adyen and Moss actually diverge.

Attributes where Adyen and Moss differ
AttributeAdyenMoss
Starting price$0.13/per-transactionOn request
Pricing modelusage-basedquote
PlatformsWeb, Api, PosWeb, iOS, Android
Founded2006Unknown

Identical on both: free tier (No), 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 Adyen

  • Payment processing
  • Risk management
  • Unified commerce
  • Issuing
  • Platform payments
  • SAP
  • Salesforce
  • 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.

Adyen

  • Card acquiring with interchange plus pricing for larger merchantsnot Moss
  • Accepting local payment methods across multiple countriesnot Moss
  • Settling in several currencies through linked bank accountsnot Moss
  • Unified online and in-person paymentsnot Moss

Moss

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

Where each one falls short

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

Adyen

  • There is a minimum monthly invoice, set by industry and business model and only disclosed through the sales team, so small volumes are not economic
  • Published fees are indicative rather than a rate card, with real pricing negotiated
  • Interchange++ means the card cost varies per transaction rather than being a single predictable percentage
  • Alternative payment methods carry their own rates on top, such as 3.3 percent plus $0.10 for American Express in North America

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

Adyen

$0.13/per-transaction
  • Transaction-Based Pricing$undefined/mo
    • Fixed $0.13 USD per transaction
    • Variable fee determined by payment method
    • No setup fees

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 Adyen if

  • You need payment processing.
  • You work on Web, Api, Pos.
  • You also want risk management.
Adyen 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 Adyen or Moss better?
Neither clearly leads. Adyen starts at $0.13/per-transaction and Moss at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Adyen or Moss?
Adyen starts at $0.13/per-transaction and Moss at On request.
Does Adyen or Moss run on more platforms?
Adyen runs on Web, Api, Pos. Moss runs on Web, iOS, Android.
What is Adyen best used for?
Adyen is most often used for card acquiring with interchange plus pricing for larger merchants, accepting local payment methods across multiple countries, settling in several currencies through linked bank accounts, unified online and in-person payments. Of those, card acquiring with interchange plus pricing for larger merchants and accepting local payment methods across multiple countries are not what Moss is typically brought in for.
What can Adyen do that Moss cannot?
Adyen covers Payment processing, Risk management, Unified commerce, Issuing. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.

Answered from the vendors’ own pages

Adyen: How much does Adyen charge per transaction?

Adyen charges a fixed $0.13 USD per transaction plus a variable fee based on the payment method used. Credit cards typically cost $0.13 + 0.60% + interchange, while digital wallets and BNPL options cost between $0.13 + 0.99% to $0.13 + 4.99%+, depending on the specific method and region.

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.

Adyen: Does Adyen have monthly subscription or setup fees?

No, Adyen has no setup fees or monthly recurring charges. You pay only for each transaction processed. The transaction fee structure remains the same regardless of transaction volume or business size.

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.

Adyen: What's Adyen's Interchange++ pricing option?

Adyen offers an Interchange++ transparent pricing model that passes interchange and scheme fees directly to merchants instead of bundling them into a percentage rate. This allows visibility into exact costs for each payment method.

Source
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.

Adyen: Can I process payments in multiple currencies with Adyen?

Yes, Adyen supports 100+ payment methods across multiple currencies. You can link multiple bank accounts in different currencies to avoid currency conversion fees on international transactions.

Source
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