Is Circula or Mooncard better?

Neither clearly leads. Circula starts at €15/month and Mooncard at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Circula or Mooncard?

Circula starts at €15/month and Mooncard at On request.

Does Circula or Mooncard run on more platforms?

Both run on Web, iOS, Android, so platform support will not decide this one for you.

What is Circula best used for?

Circula is most often used for a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure, a finance team wanting card spend, expense claims and benefits in one datev export, an employer offering the tax free monthly benefit allowance and needing auditable records of it, a mid sized business replacing spreadsheet mileage claims with rule enforced distance calculations. Of those, a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure and a finance team wanting card spend, expense claims and benefits in one datev export are not what Mooncard is typically brought in for.

What can Circula do that Mooncard cannot?

Circula covers German per diem engine, Receipt capture and OCR, Corporate credit cards, Employee benefits. Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Accounting export.

Accounting · head to head

Circula vs Mooncard

Circula

Accounting

Expense, travel and employee benefit management for German speaking finance teams

From: €15/month
Rated: -

Full review Website

Mooncard

Payroll

French corporate card and expense management platform built on the Visa network

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: Circula the module pricing stacks: expenses at fifteen euro per licence plus ninety nine euro for cards plus a hundred and forty nine euro for accounts payable means a fifty person company pays well over a thousand euro a month before add ons.; Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.
They diverge on capability: Circula covers German per diem engine, Mooncard covers Configurable Visa cards.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Circula and Mooncard actually diverge.

Attributes where Circula and Mooncard differ
Attribute	Circula	Mooncard
Starting price	€15/month	On request
Pricing model	Per user per month	quote
Category	Accounting	Payroll

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

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 Circula

German per diem engine
Receipt capture and OCR
Corporate credit cards
Employee benefits
Accounts payable
Mileage and travel
DATEV and ERP export
Approval workflows

Only in Mooncard

Configurable Visa cards
Automated expense capture
Multi-entity premium tier
Accounting export
Flying Blue miles
Real-time spend visibility

What people use each for

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

Circula

A German company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposurenot Mooncard
A finance team wanting card spend, expense claims and benefits in one DATEV exportnot Mooncard
An employer offering the tax free monthly benefit allowance and needing auditable records of itnot Mooncard
A mid sized business replacing spreadsheet mileage claims with rule enforced distance calculationsnot Mooncard

Mooncard

A French business replacing an Amex corporate card programme with wider Visa merchant acceptancenot Circula
A finance team automating VAT-compliant receipt capture instead of manual expense reportsnot Circula
A group with several legal entities wanting consolidated card and expense visibilitynot Circula
A company whose travellers want Flying Blue miles on corporate card spendnot Circula

Where each one falls short

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

Circula

The module pricing stacks: expenses at fifteen euro per licence plus ninety nine euro for cards plus a hundred and forty nine euro for accounts payable means a fifty person company pays well over a thousand euro a month before add ons.
A minimum of ten licences excludes small teams, and the flexible licensing model for occasional claimants makes monthly cost harder to forecast than a flat per seat price.
Strength is in German tax rules, so companies with significant operations outside the DACH region gain little from the feature that justifies the price.
The accounts payable module includes only a hundred invoices per month, so invoice heavy businesses face metered overage on top of the platform fee.
Card issuing carries a per card transaction ceiling and depends on partner issuing, so high value procurement spend can hit limits that a bank issued corporate card would not.

Mooncard

Pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.
Its strongest support, integrations and merchant relationships are concentrated in France, and companies with most spend outside France or Europe get a thinner experience.
Being built specifically to displace Amex corporate cards, it has less of a track record and feature depth outside the expense and card niche compared with broader spend platforms like Payhawk.
Group and multi-entity functionality sits behind a separate premium tier, so a growing company may need to renegotiate its plan as it adds entities.
Marketing-driven positioning, including stunts such as the stratospheric payment demo, does not substitute for third-party benchmarking of actual transaction reliability at scale.

Pricing, plan by plan

Circula

€15/month

Employee and Travel Expenses$15/month
- Per licence, billed annually
- Minimum 10 licences
- OCR receipt capture
Credit Cards$99/month
- Platform fee, unlimited cards
- Per card spend limits
- Transaction limit of EUR 750,000 per card
Accounts Payable$149/month
- Platform fee
- Includes 100 invoices per month
- Supplier invoice capture and approval
Benefits$1/month
- Per licence
- Tax free benefit allowances
- Mobility and meal benefits

Mooncard

On request

Mooncard$undefined/month
- Original offer with cards and expense management software
- Premium tier for groups and multi-entity structures
- Custom quote required, no published rate card

Which should you pick?

Choose Circula if

You need german per diem engine.
You work on Web, iOS, Android.
You also want receipt capture and ocr.

Circula review

Choose Mooncard if

You need configurable visa cards.
You work on Web, iOS, Android.
You also want automated expense capture.

Mooncard review

Questions people ask

Is Circula or Mooncard better?: Neither clearly leads. Circula starts at €15/month and Mooncard at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Circula or Mooncard?: Circula starts at €15/month and Mooncard at On request.
Does Circula or Mooncard run on more platforms?: Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Circula best used for?: Circula is most often used for a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure, a finance team wanting card spend, expense claims and benefits in one datev export, an employer offering the tax free monthly benefit allowance and needing auditable records of it, a mid sized business replacing spreadsheet mileage claims with rule enforced distance calculations. Of those, a german company that must apply statutory per diem rates and meal deductions correctly to avoid payroll tax exposure and a finance team wanting card spend, expense claims and benefits in one datev export are not what Mooncard is typically brought in for.
What can Circula do that Mooncard cannot?: Circula covers German per diem engine, Receipt capture and OCR, Corporate credit cards, Employee benefits. Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Accounting export.

Answered from the vendors’ own pages

Circula: Does Circula calculate German per diems automatically?

Yes, by destination country and trip duration, including meal and accommodation deductions, which is the main reason DACH finance teams buy it.

Mooncard: Is Mooncard only for France?

No, but its content, support and market presence are strongest in France; other European markets are served but less deeply.

Circula: What does it actually cost for fifty employees?

Roughly seven hundred and fifty euro a month for expense licences alone at the fifteen euro rate, before the ninety nine euro card platform fee and any accounts payable module.

Mooncard: Does Mooncard publish pricing?

No, quotes are provided directly by the Mooncard sales team based on company size and needs.

Circula: Is there a minimum commitment?

Yes. A minimum of ten licences and annual billing on the published rates.

Mooncard: Which card network does it use?

Visa, which the company positions as giving broader merchant acceptance than the Amex network used by many incumbent French corporate cards.

Circula vs Mooncard

Circula

Mooncard

The short version

Where they differ

What each one covers

Only in Circula

Only in Mooncard

What people use each for

Circula

Mooncard

Where each one falls short

Circula

Mooncard

Pricing, plan by plan

Circula

Mooncard

Which should you pick?

Choose Circula if

Choose Mooncard if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Circula

More on Mooncard

Keep looking

Other head to heads