Accounting · head to head
Divvy vs Moss
Moss
Accounting
European corporate cards, invoice management and accounting automation
- From
- On request
- Rated
- -
The short version
- Only Divvy has a free tier, so it costs nothing to try first.
- Each has a real cost: Divvy divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com; 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: Divvy covers Corporate cards, Moss covers Corporate credit cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Divvy and Moss actually diverge.
Identical on both: 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 Divvy
- Corporate cards
- Budget management
- Expense tracking
- Real-time visibility
- Accounting sync
- QuickBooks
- NetSuite
- 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.
Divvy
- Issuing corporate cards with pre-set budgets to employeesnot Moss
- Automating expense reports and receipt capturenot Moss
- Syncing card spend into accounting softwarenot Moss
Moss
- A German company whose tax adviser works in DATEV and needs card and invoice data exported without manual rekeyingnot Divvy
- A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot Divvy
- A business consolidating supplier invoice approval and card spend into one approval chainnot Divvy
- A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot Divvy
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Divvy
- Divvy is now sold as BILL Spend & Expense and getdivvy.com redirects to bill.com
- No standalone pricing is published for the spend and expense product; the site routes to a trial signup and sales contact
- Signup is gated behind selecting a business type and accounting software rather than being open self-serve
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
Divvy
Free- FreeFree
- Unlimited cards
- Expense management
- Budget controls
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 Divvy if
- You need corporate cards.
- You want to start without paying.
- You work on Web, Ios, Android.
- You also want budget management.
Choose Moss if
- You need corporate credit cards.
- You work on Web, iOS, Android.
- You also want invoice management.
Questions people ask
- Is Divvy or Moss better?
- Neither clearly leads. Divvy 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, Divvy or Moss?
- Divvy has a free tier; the other does not. Paid plans start at Free for Divvy and On request for Moss.
- Does Divvy or Moss run on more platforms?
- Divvy runs on Web, Ios, Android. Moss runs on Web, iOS, Android.
- Can I use Divvy for free?
- Yes. Divvy has a free tier, so you can try it without paying. Moss starts at On request.
- What is Divvy best used for?
- Divvy is most often used for issuing corporate cards with pre-set budgets to employees, automating expense reports and receipt capture, syncing card spend into accounting software. Of those, issuing corporate cards with pre-set budgets to employees and automating expense reports and receipt capture are not what Moss is typically brought in for.
- What can Divvy do that Moss cannot?
- Divvy covers Corporate cards, Budget management, Expense tracking, Real-time visibility. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.
Answered from the vendors’ own pages
Divvy: What is the cheapest way to get started with spend and expense management?
BILL's Spend & Expense plan has a free tier with no per-user subscription fee, including corporate cards, budget management, and AI receipt capture. You only pay transaction fees for ACH ($0.59), checks ($1.99), or instant payments (1%).
SourceMoss: 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.
Divvy: What transaction costs apply when paying vendors?
ACH payments cost $0.59 per transaction, checks cost $1.99, virtual cards are free, and same-day ACH costs $11.99. International wire transfers cost $19.99. Card payments are 2.9%.
SourceMoss: 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.
Divvy: Does the free spend and expense tier include business credit lines?
The free Spend & Expense plan includes access to business credit lines ranging from $1,000 to $5 million, but credit lines are not guaranteed and eligibility is determined upon application approval.
SourceMoss: 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.
Divvy: What is the pricing for accounts payable if I need more than the free tier?
AP plans range from $49/user/month (Essentials) to $89/user/month (Corporate, most popular), with Enterprise at custom pricing. Higher tiers add accounting software integrations, procurement features, and approval controls.
SourceRelated pages
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