Softwr

Payroll · head to head

Justworks vs Mooncard

Justworks logo

Justworks

Payroll

Professional employer organisation with published per-employee pricing and a separate payroll-only tier

From
$8/month
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: Justworks the published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.; Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.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: Justworks covers Co-employment PEO, Mooncard covers Configurable Visa cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Justworks and Mooncard actually diverge.

Attributes where Justworks and Mooncard differ
AttributeJustworksMooncard
Starting price$8/monthOn request
Pricing modelPer employee per monthquote

Identical on both: free tier (No), platforms (Web, iOS, Android), user rating (Not yet rated), category (Payroll).

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 Justworks

  • Co-employment PEO
  • Large-group benefits
  • Payroll and filings
  • Workers' compensation
  • Compliance support
  • Standalone payroll
  • International contractors
  • HR consulting

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.

Justworks

  • A twenty-person US startup that wants health insurance comparable to a large employer without an insurance broker relationshipnot Mooncard
  • A company hiring across several US states that does not want to register as an employer and file taxes in each of themnot Mooncard
  • A founder replacing a bookkeeper-run payroll with something that will not produce a state tax penalty noticenot Mooncard
  • A team that wants payroll and benefits administration only, without co-employment, at the $8 per employee tiernot Mooncard

Mooncard

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

Where each one falls short

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

Justworks

  • The published per-employee fee is the platform charge, not your cost; health insurance premiums and workers' compensation are billed on top and are usually several times larger, so the transparent price is transparent about the smaller number.
  • Leaving a PEO is a project, not a cancellation: you must source your own health plan, obtain your own state employer registrations and unemployment accounts, and time the switch to a plan year, which typically takes months.
  • Coverage is United States only, so the moment you hire your first employee in another country you are running a second system and Justworks handles them only as a contractor.
  • PEO Basic looks like a cheaper way in but excludes the Justworks health plans, which is the main reason companies choose a PEO at all, so most buyers end up on Plus.
  • Benefit plan choice is constrained to what Justworks has negotiated, and a company with strong preferences about carriers or network coverage in a specific region may find the options do not fit.

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

Justworks

$8/month
  • Payroll$8/month
    • Plus a $50 monthly base fee
    • Payroll, tax filing and benefits administration
    • No co-employment, so no access to Justworks health plans at PEO rates
  • PEO Basic$79/month
    • Full co-employment PEO
    • Payroll, tax filing and compliance
    • Does not include access to Justworks-sponsored health plans
  • PEO Plus$109/month
    • Everything in Basic
    • Access to Justworks health, dental and vision plans
    • Premiums are billed separately and are the larger cost
  • Dedicated HR consulting$30/month
    • Add-on to PEO plans
    • Named HR adviser support

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 Justworks if

  • You need co-employment peo.
  • You work on Web, iOS, Android.
  • You also want large-group benefits.
Justworks 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 Justworks or Mooncard better?
Neither clearly leads. Justworks starts at $8/month and Mooncard at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Justworks or Mooncard?
Justworks starts at $8/month and Mooncard at On request.
Does Justworks or Mooncard run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Justworks best used for?
Justworks is most often used for a twenty-person us startup that wants health insurance comparable to a large employer without an insurance broker relationship, a company hiring across several us states that does not want to register as an employer and file taxes in each of them, a founder replacing a bookkeeper-run payroll with something that will not produce a state tax penalty notice, a team that wants payroll and benefits administration only, without co-employment, at the $8 per employee tier. Of those, a twenty-person us startup that wants health insurance comparable to a large employer without an insurance broker relationship and a company hiring across several us states that does not want to register as an employer and file taxes in each of them are not what Mooncard is typically brought in for.
What can Justworks do that Mooncard cannot?
Justworks covers Co-employment PEO, Large-group benefits, Payroll and filings, Workers' compensation. Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Accounting export.

Answered from the vendors’ own pages

Justworks: What does co-employment actually mean?

Justworks becomes the employer of record for payroll tax and benefits purposes while you retain full control over hiring, management and day-to-day work. It is a legal arrangement, not an outsourcing of your team.

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.

Justworks: Is the $79 figure my total monthly cost per employee?

No. It is the platform fee. Health insurance premiums, dental, vision and workers' compensation are additional and typically dwarf it.

Mooncard: Does Mooncard publish pricing?

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

Justworks: Can Justworks employ people outside the US?

No. It can pay international contractors, but it is not an employer of record abroad.

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.

Justworks: What is the difference between the Payroll plan and the PEO?

The Payroll plan handles payroll and benefits administration under your own EIN at $8 per employee per month plus a base fee. The PEO adds co-employment and pooled large-group insurance at $79 or $109.

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