Accounting · head to head
Airwallex vs Moss
Airwallex
Accounting
Multi currency business accounts, international payments and card issuing from a licensed payments firm rather than a bank
- From
- Free
- Rated
- -
Moss
Accounting
European corporate cards, invoice management and accounting automation
- From
- On request
- Rated
- -
The short version
- Only Airwallex has a free tier, so it costs nothing to try first.
- Each has a real cost: Airwallex airwallex is a licensed payments firm rather than a bank, so balances sit in safeguarding accounts at partner banks and are not covered by deposit guarantee schemes, which means a treasury policy that requires insured deposits cannot hold operating cash there.; 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: Airwallex covers Multi currency balances, Moss covers Corporate credit cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Airwallex and Moss actually diverge.
Identical on both: 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 Airwallex
- Multi currency balances
- Local receiving accounts
- Foreign exchange conversion
- International payouts
- Card issuing
- Expense management
- Bill pay
- Payments gateway
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.
Airwallex
- An exporter invoicing customers in United States dollars and euros who wants to be paid into local details rather than receive wires with correspondent deductionsnot Moss
- An agency or software company paying contractors across several countries every month and losing money on bank foreign exchange spreadsnot Moss
- An e-commerce seller collecting on multiple marketplaces in different currencies who wants to hold rather than convert on every settlementnot Moss
- A startup that needs virtual cards with per subscription limits and cannot get a workable card programme from its local banknot Moss
Moss
- A German company whose tax adviser works in DATEV and needs card and invoice data exported without manual rekeyingnot Airwallex
- A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot Airwallex
- A business consolidating supplier invoice approval and card spend into one approval chainnot Airwallex
- A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot Airwallex
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Airwallex
- Airwallex is a licensed payments firm rather than a bank, so balances sit in safeguarding accounts at partner banks and are not covered by deposit guarantee schemes, which means a treasury policy that requires insured deposits cannot hold operating cash there.
- Available currencies, local account details, card programmes and product features differ by the entity you contract with, so a feature demonstrated to a customer in Australia or Singapore may simply not exist for the same company registered in another country.
- Onboarding is subject to compliance review and whole categories of business are declined or later offboarded, and because the account may hold operating cash, a compliance freeze during a review is a business interruption rather than an inconvenience.
- Foreign exchange is quoted as interbank plus a markup, which is cheaper than a high street bank but is still a spread that widens on less liquid pairs and on smaller amounts, so the saving assumed in the business case should be checked against the pairs you actually trade.
- Support is largely ticket and chat based with account management reserved for larger customers, so when a payment is stuck the resolution path is a queue rather than a named person, which is a poor fit for time critical settlement.
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
Airwallex
FreeNo published plan breakdown. See the Airwallex review.
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 Airwallex if
- You need multi currency balances.
- You want to start without paying.
- You also want local receiving accounts.
Choose Moss if
- You need corporate credit cards.
- You work on Web, iOS, Android.
- You also want invoice management.
Questions people ask
- Is Airwallex or Moss better?
- Neither clearly leads. Airwallex starts at Free and Moss at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Airwallex or Moss?
- Airwallex has a free tier; the other does not. Paid plans start at Free for Airwallex and On request for Moss.
- Does Airwallex or Moss run on more platforms?
- Airwallex runs on Web. Moss runs on Web, iOS, Android.
- Can I use Airwallex for free?
- Yes. Airwallex has a free tier, so you can try it without paying. Moss starts at On request.
- What is Airwallex best used for?
- Airwallex is most often used for an exporter invoicing customers in united states dollars and euros who wants to be paid into local details rather than receive wires with correspondent deductions, an agency or software company paying contractors across several countries every month and losing money on bank foreign exchange spreads, an e-commerce seller collecting on multiple marketplaces in different currencies who wants to hold rather than convert on every settlement, a startup that needs virtual cards with per subscription limits and cannot get a workable card programme from its local bank. Of those, an exporter invoicing customers in united states dollars and euros who wants to be paid into local details rather than receive wires with correspondent deductions and an agency or software company paying contractors across several countries every month and losing money on bank foreign exchange spreads are not what Moss is typically brought in for.
- What can Airwallex do that Moss cannot?
- Airwallex covers Multi currency balances, Local receiving accounts, Foreign exchange conversion, International payouts. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.
Answered from the vendors’ own pages
Airwallex: Is Airwallex a bank?
No. It holds payment institution, electronic money or equivalent licences in the markets it serves. Funds are safeguarded at partner banks rather than being deposits, and deposit insurance schemes do not apply.
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.
Airwallex: Can it replace my business bank account?
For many operating flows it can, but consider what you lose: no deposit protection, no lending relationship, no cash or cheque handling, and some counterparties and government bodies still expect a conventional bank account. Most users run it alongside a bank rather than instead of one.
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.
Airwallex: Which countries can open an account?
It serves entities registered in a defined list of markets across Asia Pacific, Europe, the United Kingdom, the Middle East and North America, and the list changes. Check for your specific country of incorporation, because the answer determines both eligibility and feature set.
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.
Airwallex: Does it connect to my accounting software?
It integrates with the mainstream cloud ledgers so transactions feed through rather than being imported by hand. Confirm the integration covers all the currencies you hold, since multi currency handling in the ledger is a separate question.
Airwallex: How does the foreign exchange rate compare with a bank?
Materially better than a typical business bank's retail rate on major pairs, because it is quoted as interbank plus a stated markup. The gap narrows on thin currency pairs and small amounts, so test with your real volumes.
Airwallex: Are the cards accepted everywhere?
They are issued on the major networks and behave like ordinary company cards for most spend. Some merchants, particularly for deposits and car hire, treat prepaid style issuance differently, so do not assume parity with a bank credit card.
Related pages
Other head to heads
- Airwallex vs Ramp
- Airwallex vs QuickBooks
- Airwallex vs Airbase
- Airwallex vs Melio
- Airwallex vs Kodo
- Airwallex vs Wise Business
- Airwallex vs RazorpayX
- Airwallex vs Sage 50
- Airwallex vs Soldo
- Airwallex vs Plaid
- Airwallex vs Spendesk
- Airwallex vs Modern Treasury
- Airwallex vs Veem
- Airwallex vs Vertex
- Airwallex vs Fyle
- Airwallex vs Microsoft Excel
- Airwallex vs Navan
- Airwallex vs Qonto
- Airwallex vs Pleo
- Airwallex vs Circula
- Airwallex vs Ottimate
- Airwallex vs Medius
- Airwallex vs Yooz
- Airwallex vs Mesh Payments
- Airwallex vs Brex
- Airwallex vs Stampli
- Airwallex vs Tipalti
- Airwallex vs Bill.com
- Airwallex vs Orb
- Moss vs Ramp
- Moss vs QuickBooks
- Moss vs Airbase
- Moss vs Melio
- Moss vs Kodo
- Moss vs Wise Business
- Moss vs RazorpayX
- Moss vs Sage 50
- Moss vs Soldo
- Moss vs Plaid
- Moss vs Spendesk
- Moss vs Modern Treasury
- Moss vs Veem
- Moss vs Vertex
- Moss vs Fyle
- Moss vs Microsoft Excel
- Moss vs Navan
- Moss vs Qonto
- Moss vs Pleo
- Moss vs Circula
- Moss vs Ottimate
- Moss vs Medius
- Moss vs Yooz
- Moss vs Mesh Payments
- Moss vs Brex
- Moss vs Stampli
- Moss vs Tipalti
- Moss vs Bill.com
- Moss vs Orb