Softwr

Payroll · head to head

Mooncard vs OnPay

Mooncard logo

Mooncard

Payroll

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

From
On request
Rated
-
Full reviewWebsite
OnPay logo

OnPay

Payroll

Single-plan United States payroll with unlimited pay runs and support for awkward tax situations other providers avoid

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  • Each has a real cost: Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.; OnPay onPay operates only in the United States, so the first international hire means a second payroll vendor and a separate compliance model.
  • They diverge on capability: Mooncard covers Configurable Visa cards, OnPay covers Single plan.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Mooncard and OnPay actually diverge.

Attributes where Mooncard and OnPay differ
AttributeMooncardOnPay
PlatformsWeb, iOS, AndroidWeb

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 OnPay

  • Single plan
  • Tax filing and payment
  • Vertical payroll support
  • Benefits brokerage
  • Workers compensation
  • Contractor payments
  • Basic HR tools
  • Accounting integrations

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 OnPay
  • A finance team automating VAT-compliant receipt capture instead of manual expense reportsnot OnPay
  • A group with several legal entities wanting consolidated card and expense visibilitynot OnPay
  • A company whose travellers want Flying Blue miles on corporate card spendnot OnPay

OnPay

  • A farm running agricultural payroll that needs Form 943 rather than the standard quarterly filingnot Mooncard
  • A church or nonprofit with clergy compensation rules that mainstream providers decline to handlenot Mooncard
  • A restaurant group needing tip credit and minimum wage make-up calculated correctly each pay periodnot Mooncard
  • A small business that wants one price for payroll rather than a tiered plan it has to keep upgradingnot 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.

OnPay

  • OnPay operates only in the United States, so the first international hire means a second payroll vendor and a separate compliance model.
  • There is no native mobile application, only a responsive web interface, which employers with field or shift-based staff notice immediately.
  • The HR functionality is administrative and does not replace an HRIS, so performance, learning and any real workflow automation need another product.
  • Time and attendance is handled through integrations rather than natively, meaning hours arrive from a third-party system that has to be reconciled when it disagrees with payroll.
  • Reporting is functional but limited, and companies that want cost analysis by department, project or location generally export to a spreadsheet rather than build it in the product.

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

OnPay

On request
  • OnPay$undefined/month
    • One published plan combining a flat monthly base fee with a per person charge
    • No feature tiers, upgrades or add-on modules
    • Unlimited pay runs and multi-state filing included

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 OnPay if

  • You need single plan.
  • You also want tax filing and payment.
OnPay review

Questions people ask

Is Mooncard or OnPay better?
Neither clearly leads. Mooncard starts at On request and OnPay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mooncard or OnPay?
Mooncard starts at On request and OnPay at On request.
Does Mooncard or OnPay run on more platforms?
Mooncard runs on Web, iOS, Android. OnPay runs on Web.
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 OnPay is typically brought in for.
What can Mooncard do that OnPay cannot?
Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Accounting export. OnPay covers Single plan, Tax filing and payment, Vertical payroll support, Benefits brokerage.

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.

OnPay: How is OnPay priced?

As a single published plan with a flat monthly base fee plus a charge per person paid, with no feature tiers. Contractors are charged at the same per person rate as employees.

Mooncard: Does Mooncard publish pricing?

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

OnPay: Does it handle payroll outside the United States?

No. It is US-only, in all fifty states, including multi-state filing at no extra cost.

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.

OnPay: Why do farms and churches use it?

It supports Form 943 agricultural filing, clergy housing allowance and Social Security exemption rules, and 501(c)(3) nonprofit payroll, which several larger providers do not.

OnPay: Is there a mobile app?

No. Employers and employees use a responsive web interface, which is a genuine gap for shift-based workforces.

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