Is Circula or Moss better?

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

Which is cheaper, Circula or Moss?

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

Does Circula or Moss 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 Moss is typically brought in for.

What can Circula do that Moss cannot?

Circula covers German per diem engine, Receipt capture and OCR, Employee benefits, Accounts payable. Moss covers Invoice management, Employee reimbursements, DATEV export, Accounting preparation. Both handle Corporate credit cards.

Accounting · head to head

Circula vs Moss

Circula

Accounting

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

From: €15/month
Rated: -

Full review Website

Moss

Accounting

European corporate cards, invoice management and accounting automation

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.; 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: Circula covers German per diem engine, Moss covers Invoice management.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Circula and Moss actually diverge.

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

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 Circula

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

Only in Moss

Invoice management
Employee reimbursements
DATEV export
Accounting preparation
Budgets and teams
Receipt matching
Multi entity

Both cover

Corporate credit cards

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 Moss
A finance team wanting card spend, expense claims and benefits in one DATEV exportnot Moss
An employer offering the tax free monthly benefit allowance and needing auditable records of itnot Moss
A mid sized business replacing spreadsheet mileage claims with rule enforced distance calculationsnot Moss

Moss

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

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

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

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 Circula if

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

Circula review

Choose Moss if

You need invoice management.
You work on Web, iOS, Android.
You also want employee reimbursements.

Moss review

Questions people ask

Is Circula or Moss better?: Neither clearly leads. Circula starts at €15/month and Moss at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Circula or Moss?: Circula starts at €15/month and Moss at On request.
Does Circula or Moss 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 Moss is typically brought in for.
What can Circula do that Moss cannot?: Circula covers German per diem engine, Receipt capture and OCR, Employee benefits, Accounts payable. Moss covers Invoice management, Employee reimbursements, DATEV export, Accounting preparation. Both handle Corporate credit cards.

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.

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.

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.

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.

Circula: Is there a minimum commitment?

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

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.

Circula vs Moss

Circula

Moss

The short version

Where they differ

What each one covers

Only in Circula

Only in Moss

Both cover

What people use each for

Circula

Moss

Where each one falls short

Circula

Moss

Pricing, plan by plan

Circula

Moss

Which should you pick?

Choose Circula if

Choose Moss if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Circula

More on Moss

Keep looking

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