Is Extend or Moss better?

Neither clearly leads. Extend 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, Extend or Moss?

Extend has a free tier; the other does not. Paid plans start at Free for Extend and On request for Moss.

Does Extend or Moss run on more platforms?

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

Can I use Extend for free?

Yes. Extend has a free tier, so you can try it without paying. Moss starts at On request.

What is Extend best used for?

Extend is most often used for a small business wanting free vendor-level virtual card controls without opening a new card programme, a company with an existing amex or bank business card wanting tighter per-vendor spend limits, a finance team wanting predictable per-user pricing rather than a private quote for spend management, a larger business wanting api-driven automated card issuance tied to its existing card relationship. Of those, a small business wanting free vendor-level virtual card controls without opening a new card programme and a company with an existing amex or bank business card wanting tighter per-vendor spend limits are not what Moss is typically brought in for.

What can Extend do that Moss cannot?

Extend covers Virtual card issuing, Per-card spend controls, Approval workflows, Receipt auto-matching. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.

Payroll · head to head

Extend vs Moss

Extend

Payroll

Virtual card issuing and spend controls layered onto existing business credit cards

From: Free
Rated: -

Full review Website

Moss

Accounting

European corporate cards, invoice management and accounting automation

From: On request
Rated: -

Full review Website

The short version

Only Extend has a free tier, so it costs nothing to try first.
Each has a real cost: Extend it depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.; 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: Extend covers Virtual card issuing, Moss covers Corporate credit cards.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Extend and Moss actually diverge.

Attributes where Extend and Moss differ
Attribute	Extend	Moss
Starting price	Free	On request
Pricing model	Per user per month, free starter tier	quote
Free tier	Yes	No
Category	Payroll	Accounting

Identical on both: 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 Extend

Virtual card issuing
Per-card spend controls
Approval workflows
Receipt auto-matching
ERP integrations
API access

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.

Extend

A small business wanting free vendor-level virtual card controls without opening a new card programmenot Moss
A company with an existing Amex or bank business card wanting tighter per-vendor spend limitsnot Moss
A finance team wanting predictable per-user pricing rather than a private quote for spend managementnot Moss
A larger business wanting API-driven automated card issuance tied to its existing card relationshipnot Moss

Moss

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

Where each one falls short

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

Extend

It depends on an existing business credit card relationship, so a company without a qualifying Amex, Visa or Mastercard business card cannot use it as a standalone card issuer.
The free Starter plan is capped at five users and 100 cards a month, which small but growing teams will outgrow quickly and need to upgrade past.
The Pro plan enforces a ten-user minimum, so a company with only two or three people who need virtual cards pays for unused seats.
Rewards, credit terms and dispute resolution still run through the underlying card issuer, so Extend cannot improve or change those terms; it only adds a control layer on top.
Deeper ERP integrations such as NetSuite and Dynamics 365 are reserved for the custom-quoted Enterprise tier, so companies needing them lose the pricing transparency of the published Starter and Pro plans.

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

Extend

Free

StarterFree
- Up to 5 users and 10 guests
- Up to 100 virtual cards per month
- One expense category
Pro$11.99/month
- 10 user minimum
- Up to 500 virtual cards per month
- Custom approval workflows and QuickBooks Online integration
Enterprise$undefined/month
- Unlimited users and virtual cards
- API access for automated card issuance
- NetSuite and Dynamics 365 integration, dedicated account manager

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 Extend if

You need virtual card issuing.
You want to start without paying.
You work on Web, iOS, Android.
You also want per-card spend controls.

Extend review

Choose Moss if

You need corporate credit cards.
You work on Web, iOS, Android.
You also want invoice management.

Moss review

Questions people ask

Is Extend or Moss better?: Neither clearly leads. Extend 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, Extend or Moss?: Extend has a free tier; the other does not. Paid plans start at Free for Extend and On request for Moss.
Does Extend or Moss run on more platforms?: Both run on Web, iOS, Android, so platform support will not decide this one for you.
Can I use Extend for free?: Yes. Extend has a free tier, so you can try it without paying. Moss starts at On request.
What is Extend best used for?: Extend is most often used for a small business wanting free vendor-level virtual card controls without opening a new card programme, a company with an existing amex or bank business card wanting tighter per-vendor spend limits, a finance team wanting predictable per-user pricing rather than a private quote for spend management, a larger business wanting api-driven automated card issuance tied to its existing card relationship. Of those, a small business wanting free vendor-level virtual card controls without opening a new card programme and a company with an existing amex or bank business card wanting tighter per-vendor spend limits are not what Moss is typically brought in for.
What can Extend do that Moss cannot?: Extend covers Virtual card issuing, Per-card spend controls, Approval workflows, Receipt auto-matching. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.

Answered from the vendors’ own pages

Extend: Does Extend replace our business credit card?

No, it issues virtual cards against an existing American Express, Visa or Mastercard business credit line rather than opening a new card programme.

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.

Extend: Is there really a free plan?

Yes, the Starter plan is free for up to five users, ten guests and 100 virtual cards a month.

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.

Extend: What does Pro cost?

11.99 dollars per user per month billed annually, or 12 dollars monthly, with a ten-user minimum.

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.

Extend vs Moss

Extend

Moss

The short version

Where they differ

What each one covers

Only in Extend

Only in Moss

What people use each for

Extend

Moss

Where each one falls short

Extend

Moss

Pricing, plan by plan

Extend

Moss

Which should you pick?

Choose Extend if

Choose Moss if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Extend

More on Moss

Keep looking

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