Softwr

Accounting · head to head

Hnry vs Moss

Hnry logo

Hnry

Accounting

Accounting for sole traders and the self-employed

From
1/per $100 income
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: Hnry service limited to self-employed sole traders in New Zealand only; 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.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Hnry and Moss actually diverge.

Attributes where Hnry and Moss differ
AttributeHnryMoss
Starting price1/per $100 incomeOn request
Pricing modelusage-basedquote
PlatformsWebWeb, iOS, Android

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 Hnry

Nothing recorded that Moss does not also cover.

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.

Hnry

  • Calculating quarterly tax without manual bookkeepingnot Moss
  • Logging expenses via photo instantlynot Moss
  • Sending unlimited invoices with auto-follow-upnot Moss
  • Automatically withholding income taxes year-roundnot Moss

Moss

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

Where each one falls short

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

Hnry

  • Service limited to self-employed sole traders in New Zealand only
  • 1% + GST fee with $1,500 annual maximum cap
  • Minimum $0.50 fee per transaction for payments under $50

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

Hnry

1/per $100 income

No published plan breakdown. See the Hnry review.

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 Hnry if

Nothing in the data separates Hnry from Moss on the points above - pick on price and on how each one feels to use.

Hnry 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 Hnry or Moss better?
Neither clearly leads. Hnry starts at 1/per $100 income and Moss at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Hnry or Moss?
Hnry starts at 1/per $100 income and Moss at On request.
Does Hnry or Moss run on more platforms?
Hnry runs on Web. Moss runs on Web, iOS, Android.
What is Hnry best used for?
Hnry is most often used for calculating quarterly tax without manual bookkeeping, logging expenses via photo instantly, sending unlimited invoices with auto-follow-up, automatically withholding income taxes year-round. Of those, calculating quarterly tax without manual bookkeeping and logging expenses via photo instantly are not what Moss is typically brought in for.
What can Hnry do that Moss cannot?
Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.

Answered from the vendors’ own pages

Hnry: How much does Hnry charge?

Hnry charges 1% plus GST of independent income paid into your Hnry Bank Account, with a maximum annual fee of $1,500. Minimum fee is $0.50 per payment for transactions under $50.

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.

Hnry: Are there joining fees for Hnry?

No, Hnry has no joining fees, upfront payments, or credit card required to sign up.

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.

Hnry: Is the Hnry fee tax deductible?

Yes, Hnry automatically claims its fees as a business expense on your behalf, making them tax-deductible.

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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