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Payroll · head to head

Mooncard vs Nmbrs

Mooncard logo

Mooncard

Payroll

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

From
On request
Rated
-
Full reviewWebsite
Nmbrs logo

Nmbrs

Payroll

Dutch and Swedish payroll and HR sold largely through accountants, owned by Visma since 2017

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.; Nmbrs coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • They diverge on capability: Mooncard covers Configurable Visa cards, Nmbrs covers Dutch payroll engine.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Mooncard and Nmbrs actually diverge.

Attributes where Mooncard and Nmbrs differ
AttributeMooncardNmbrs

Identical on both: starting price (On request), pricing model (quote), 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 Mooncard

  • Configurable Visa cards
  • Automated expense capture
  • Multi-entity premium tier
  • Accounting export
  • Flying Blue miles
  • Real-time spend visibility

Only in Nmbrs

  • Dutch payroll engine
  • Swedish payroll
  • Collective agreement handling
  • Employee self service
  • HR records
  • Accountant workspace
  • Open API
  • Journal export

What people use each for

The jobs each tool is most often brought in to do.

Mooncard

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

Nmbrs

  • A Dutch company that wants payroll calculated and filed in-country rather than routed through an international aggregatornot Mooncard
  • An accountancy firm running payroll for dozens of client companies from one workspacenot Mooncard
  • A Dutch subsidiary of an international group that needs correct CAO and pension fund handlingnot Mooncard
  • An HR or time tracking vendor that needs a documented API to push hours and changes into Dutch payrollnot Mooncard

Where each one falls short

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

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.

Nmbrs

  • Coverage is the Netherlands and Sweden only, so any international group will run Nmbrs alongside other payroll systems and reconcile them manually.
  • Most customers buy through an accountancy or payroll bureau, which means the price, the service level and the escalation path are set by an intermediary rather than by Visma.
  • English documentation and support lag behind the Dutch material, which slows down international finance teams trying to understand what a declaration actually contains.
  • The HR modules are basic next to a dedicated HRIS, so companies typically pair Nmbrs with another system and maintain an integration between them.
  • Ownership by Visma places it inside a large portfolio with overlapping payroll products, and buyers should ask where Nmbrs sits in that portfolio before committing to a long contract.

Pricing, plan by plan

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

Nmbrs

On request
  • Nmbrs$undefined/year
    • Priced per employee per month, commonly resold by accountancy firms
    • Payroll and HR modules licensed separately
    • Direct pricing differs from partner pricing

Which should you pick?

Choose Mooncard if

  • You need configurable visa cards.
  • You work on Web, iOS, Android.
  • You also want automated expense capture.
Mooncard review

Choose Nmbrs if

  • You need dutch payroll engine.
  • You work on Web, iOS, Android.
  • You also want swedish payroll.
Nmbrs review

Questions people ask

Is Mooncard or Nmbrs better?
Neither clearly leads. Mooncard starts at On request and Nmbrs at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mooncard or Nmbrs?
Mooncard starts at On request and Nmbrs at On request.
Does Mooncard or Nmbrs run on more platforms?
Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Mooncard best used for?
Mooncard is most often used for a french business replacing an amex corporate card programme with wider visa merchant acceptance, a finance team automating vat-compliant receipt capture instead of manual expense reports, a group with several legal entities wanting consolidated card and expense visibility, a company whose travellers want flying blue miles on corporate card spend. Of those, a french business replacing an amex corporate card programme with wider visa merchant acceptance and a finance team automating vat-compliant receipt capture instead of manual expense reports are not what Nmbrs is typically brought in for.
What can Mooncard do that Nmbrs cannot?
Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Accounting export. Nmbrs covers Dutch payroll engine, Swedish payroll, Collective agreement handling, Employee self service.

Answered from the vendors’ own pages

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.

Nmbrs: Does Nmbrs actually file Dutch payroll taxes?

Yes. It calculates wage tax and submits the loonaangifte to the Belastingdienst, along with pension fund and sector scheme declarations. It is not an aggregator passing data to a bureau.

Mooncard: Does Mooncard publish pricing?

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

Nmbrs: Which countries does it cover?

The Netherlands and Sweden. Nowhere else.

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.

Nmbrs: Do I buy it direct or through an accountant?

Both are possible, but most Dutch customers come through an accountancy or payroll administration firm, and the price and support come from that firm.

Nmbrs: Who owns Nmbrs?

Visma, the Nordic business software group, acquired it in 2017.

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