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Accounting · head to head

Fyle vs Moss

Fyle logo

Fyle

Accounting

Real-time expense management that works with your cards

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

Moss

Accounting

European corporate cards, invoice management and accounting automation

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; 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: Fyle covers Real-time card tracking, Moss covers Corporate credit cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Fyle and Moss actually diverge.

Attributes where Fyle and Moss differ
AttributeFyleMoss
Starting price$11.99/month per active userOn request
Pricing modelsubscriptionquote
Founded2016Unknown

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 Fyle

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

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.

Fyle

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

Moss

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

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

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

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 Fyle if

  • You need real-time card tracking.
  • You work on Web, Ios, Android.
  • You also want automatic receipt matching.
Fyle 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 Fyle or Moss better?
Neither clearly leads. Fyle starts at $11.99/month per active user and Moss at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fyle or Moss?
Fyle starts at $11.99/month per active user and Moss at On request.
Does Fyle or Moss run on more platforms?
Fyle runs on Web, Ios, Android. Moss 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 Moss is typically brought in for.
What can Fyle do that Moss cannot?
Fyle covers Real-time card tracking, Automatic receipt matching, Expense policies, Approval workflows. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV 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
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.

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
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.

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
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.

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