Accounting · head to head
Cledara vs Moss
Cledara
Accounting
Software subscription management with a virtual card per application, priced from £100 a month
- From
- £100/month
- Rated
- -
Moss
Accounting
European corporate cards, invoice management and accounting automation
- From
- On request
- Rated
- -
The short version
- Each has a real cost: Cledara control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.; 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: Cledara covers Virtual card per subscription, Moss covers Corporate credit cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Cledara and Moss actually diverge.
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 Cledara
- Virtual card per subscription
- Cancel by card
- Application inventory
- Approval workflow
- Invoice collection
- Accounting export
- Spend optimisation module
- IT management and compliance modules
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.
Cledara
- A finance team that cannot say what software the company pays for because everything is on three people's company cardsnot Moss
- A company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellationnot Moss
- A startup wanting approval on new software purchases before the first charge rather than at the auditnot Moss
- A finance function that spends days each month chasing SaaS invoices for the accountantnot Moss
Moss
- A German company whose tax adviser works in DATEV and needs card and invoice data exported without manual rekeyingnot Cledara
- A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot Cledara
- A business consolidating supplier invoice approval and card spend into one approval chainnot Cledara
- A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot Cledara
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Cledara
- Control only extends to subscriptions paid on a Cledara card, so anything billed by invoice, bank transfer or a legacy company card is invisible to the system and undermines the inventory it promises.
- Tier limits are set by number of applications rather than headcount, and twenty applications on the Basic plan is fewer than most companies of fifty actually run, so buyers often land on a higher tier than the entry price suggests.
- The modules that turn it from a payment layer into a management platform, spend optimisation, IT management and compliance, are each priced at £150 to £200 a month, comparable to the base plan itself.
- Usage data is inferred from payment and integration signals rather than deep application telemetry, so its judgement of whether a tool is underused is weaker than a discovery product built on single sign-on and API usage.
- It is a card issuer as well as a software vendor, which adds financial counterparty considerations and means a change in its banking arrangements would affect how the company pays every one of its suppliers.
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
Cledara
£100/month- Basic$100/month
- Up to 20 software applications
- Virtual card per subscription
- Application inventory and approvals
- Premium$undefined/month
- Up to 75 software applications
- Typically 51 to 150 staff
- 1% cashback in the first year, capped at the subscription cost
- Pro$undefined/month
- For organisations above roughly 150 staff
- Scoped individually
- 1% cashback in the first year, capped at plan cost
- Add-on modules$200/month
- Spend Optimization £200 a month or £1,500 a year
- IT Management £150 a month or £1,500 a year
- Software Compliance £150 a month or £1,500 a year
Moss
On request- Moss$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 Moss if
- You need corporate credit cards.
- You work on Web, iOS, Android.
- You also want invoice management.
Questions people ask
- Is Cledara or Moss better?
- Neither clearly leads. Cledara starts at £100/month and Moss at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Cledara or Moss?
- Cledara starts at £100/month and Moss at On request.
- Does Cledara or Moss run on more platforms?
- Cledara runs on Web. Moss runs on Web, iOS, Android.
- What is Cledara best used for?
- Cledara is most often used for a finance team that cannot say what software the company pays for because everything is on three people's company cards, a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation, a startup wanting approval on new software purchases before the first charge rather than at the audit, a finance function that spends days each month chasing saas invoices for the accountant. Of those, a finance team that cannot say what software the company pays for because everything is on three people's company cards and a company that keeps paying for tools nobody uses and cannot get the vendor to process a cancellation are not what Moss is typically brought in for.
- What can Cledara do that Moss cannot?
- Cledara covers Virtual card per subscription, Cancel by card, Application inventory, Approval workflow. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.
Answered from the vendors’ own pages
Cledara: What does it cost?
Basic is £100 a month for up to 20 applications, with Premium covering up to 75 and Pro above that. Add-on modules are £150 to £200 a month each, and annual payment saves 16%.
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.
Cledara: Does it find software we did not tell it about?
Only what passes through its cards or connected integrations. Subscriptions paid by invoice or another card stay hidden, which is the main limitation of the model.
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.
Cledara: How does cancelling work?
You cancel the virtual card for that subscription, which stops the payment. It does not remove your contractual obligation, so check notice periods.
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.
Cledara: Is the application limit by users or by tools?
By tools. Twenty on Basic, seventy-five on Premium. Count your actual subscriptions before assuming the entry price applies to you.
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