Accounting · head to head
Mercury vs Moss
Moss
Accounting
European corporate cards, invoice management and accounting automation
- From
- On request
- Rated
- -
The short version
- Only Mercury has a free tier, so it costs nothing to try first.
- Each has a real cost: Mercury treasury access requires a $250,000 balance held with Mercury; 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: Mercury covers Business checking, Moss covers Corporate credit cards.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Mercury and Moss actually diverge.
Identical on both: 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 Mercury
- Business checking
- Savings accounts
- Virtual cards
- Team management
- API access
- QuickBooks
- Xero
- Stripe
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.
Mercury
- Business banking and payments for startupsnot Moss
- Managing treasury, invoicing and corporate cards from one accountnot Moss
Moss
- A German company whose tax adviser works in DATEV and needs card and invoice data exported without manual rekeyingnot Mercury
- A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot Mercury
- A business consolidating supplier invoice approval and card spend into one approval chainnot Mercury
- A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot Mercury
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Mercury
- Treasury access requires a $250,000 balance held with Mercury
- Non USD international wires carry a 1% conversion fee
- Choosing OUR wire coding, which covers intermediary bank charges, costs $15 per wire
- ACH invoicing is $1 per transaction on Mercury Plus and only free on the $299 a month Pro plan
- Advanced and recurring invoicing require Mercury Plus at $29.90 a month
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
Mercury
Free- Mercury (Free)Free
- ACH payments
- Domestic wires
- Real-time payments
- Mercury Plus$29.9/month
- Invoice ACH debits
- Recurring invoices
- Invoicing API (500/month)
- Mercury Pro$299/month
- All Plus features
- Relationship manager
- Free ACH invoice debits
Moss
On request- Moss$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 Mercury if
- You need business checking.
- You want to start without paying.
- You work on Web, Ios, Android.
- You also want savings accounts.
Choose Moss if
- You need corporate credit cards.
- You work on Web, iOS, Android.
- You also want invoice management.
Questions people ask
- Is Mercury or Moss better?
- Neither clearly leads. Mercury 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, Mercury or Moss?
- Mercury has a free tier; the other does not. Paid plans start at Free for Mercury and On request for Moss.
- Does Mercury or Moss run on more platforms?
- Mercury runs on Web, Ios, Android. Moss runs on Web, iOS, Android.
- Can I use Mercury for free?
- Yes. Mercury has a free tier, so you can try it without paying. Moss starts at On request.
- What is Mercury best used for?
- Mercury is most often used for business banking and payments for startups, managing treasury, invoicing and corporate cards from one account. Of those, business banking and payments for startups and managing treasury, invoicing and corporate cards from one account are not what Moss is typically brought in for.
- What can Mercury do that Moss cannot?
- Mercury covers Business checking, Savings accounts, Virtual cards, Team management. Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export.
Answered from the vendors’ own pages
Mercury: Is Mercury business banking free?
Mercury's base banking tier is free and includes ACH payments, domestic wire transfers, real-time payments, Bill Pay, and QuickBooks/Xero automations at no monthly cost.
SourceMoss: 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.
Mercury: What does Mercury Plus add beyond the free tier?
Mercury Plus costs $29.90 per month and adds invoice ACH debits, recurring invoice capabilities, invoicing API with 500 calls per month, unlimited 1099 filings, and access to partner benefits.
SourceMoss: 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.
Mercury: Does Mercury charge monthly account fees?
No, Mercury states there are no minimum account balance requirements, overdraft fees, required monthly fees, or account opening fees. The free tier includes essential business banking, with paid tiers available for additional features.
SourceMoss: 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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