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Accounting · head to head

Fyle vs Mooncard

Fyle logo

Fyle

Accounting

Real-time expense management that works with your cards

From
$11.99/month per active user
Rated
-
Full reviewWebsite
Mooncard logo

Mooncard

Payroll

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

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Fyle billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill; Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.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: Fyle covers Real-time card tracking, Mooncard covers Configurable Visa cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fyle and Mooncard actually diverge.

Attributes where Fyle and Mooncard differ
AttributeFyleMooncard
Starting price$11.99/month per active userOn request
Pricing modelsubscriptionquote
CategoryAccountingPayroll
Founded2016Unknown

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 Fyle

  • Real-time card tracking
  • Automatic receipt matching
  • Expense policies
  • Approval workflows
  • Mileage tracking
  • QuickBooks
  • Xero
  • Sage Intacct

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.

Fyle

  • Expense reporting and corporate card reconciliationnot Mooncard
  • Enforcing spend policy and approvals before reimbursementnot Mooncard

Mooncard

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

Where each one falls short

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

Fyle

  • Billed per active user, defined as anyone who creates an expense or has a connected card with transactions in the month, so headcount does not predict the bill
  • The Growth plan carries a 5 user minimum and the Business plan a 10 user minimum, so the entry cost is set by the floor rather than the team
  • API access and the Sage Intacct and NetSuite integrations require a paid tier
  • ACH reimbursements and project expense tracking sit above the entry plan
  • Both published plans are billed annually
  • Enterprise pricing is custom and aimed at organisations with 250 or more employees

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

Fyle

$11.99/month per active user
  • Growth$11.99/month per active user
    • Minimum 5 users
    • Unlimited expense tracking, receipt scanning
    • Card integrations, mileage/per diem tracking
  • Business$14.99/month per active user
    • Minimum 10 users
    • Multi-stage approvals, ACH reimbursements (US only)
    • Project tracking, Sage Intacct/300 CRE integrations
  • Enterprise$null/mo
    • 250+ employees
    • IP whitelisting, SSO options
    • Branded accounts, dedicated account manager

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 Fyle if

  • You need real-time card tracking.
  • You work on Web, Ios, Android.
  • You also want automatic receipt matching.
Fyle 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 Fyle or Mooncard better?
Neither clearly leads. Fyle starts at $11.99/month per active user and Mooncard at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fyle or Mooncard?
Fyle starts at $11.99/month per active user and Mooncard at On request.
Does Fyle or Mooncard run on more platforms?
Fyle runs on Web, Ios, Android. Mooncard runs on Web, iOS, Android.
What is Fyle best used for?
Fyle is most often used for expense reporting and corporate card reconciliation, enforcing spend policy and approvals before reimbursement. Of those, expense reporting and corporate card reconciliation and enforcing spend policy and approvals before reimbursement are not what Mooncard is typically brought in for.
What can Fyle do that Mooncard cannot?
Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Approval workflows. Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Accounting export.

Answered from the vendors’ own pages

Fyle: How does Fyle define and charge for active users?

An 'active user' is defined as an employee who creates at least one expense or has a credit card connected with active transactions monthly. You only pay for active users, not all onboarded employees.

Source
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.

Fyle: What is Fyle's Growth plan pricing?

The Growth plan costs $11.99 per active user per month (billed annually) with a minimum of 5 users. Includes unlimited expense tracking, receipt scanning, and single-stage approvals.

Source
Mooncard: Does Mooncard publish pricing?

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

Fyle: What features does Fyle's Business plan add?

The Business plan costs $14.99 per active user per month (minimum 10 users, annual billing) and adds multi-stage approvals, project tracking, ACH reimbursements (US only), and premium support.

Source
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.

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