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Payroll · head to head

Mooncard vs PayFit

Mooncard logo

Mooncard

Payroll

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

From
On request
Rated
-
Full reviewWebsite
PayFit logo

PayFit

Payroll

Native payroll and HR for small and mid-sized companies in a small number of European countries

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  • Each has a real cost: Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.; PayFit coverage is limited to a handful of European countries and the company withdrew from Germany in 2023, so any buyer with expansion plans should assume the country they need next will not be supported.
  • They diverge on capability: Mooncard covers Configurable Visa cards, PayFit covers Native payroll engine.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Mooncard and PayFit actually diverge.

Attributes where Mooncard and PayFit differ
AttributeMooncardPayFit

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
  • Flying Blue miles
  • Real-time spend visibility

Only in PayFit

  • Native payroll engine
  • Statutory filing
  • Payslip generation
  • Time off management
  • Expenses
  • Employee records
  • Automated variable pay

Both cover

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

PayFit

  • A French company of 50 people leaving a payroll bureau that charges per payslip and returns work slowlynot Mooncard
  • A Spanish or Italian employer that needs payroll calculated in-country rather than routed through an intermediarynot Mooncard
  • A UK subsidiary of a European group that wants payroll on the same platform as the parent where the country is supportednot Mooncard
  • A finance team that wants payroll journals exported directly into the local accounting system without manual mappingnot 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.

PayFit

  • Coverage is limited to a handful of European countries and the company withdrew from Germany in 2023, so any buyer with expansion plans should assume the country they need next will not be supported.
  • There is no employer of record capability, so hiring one person in an unsupported country means adding a separate vendor and a separate employment model.
  • The HR modules cover time off, expenses and records but do not replace an HRIS, and companies with performance, learning or ATS requirements will run PayFit alongside another system.
  • Pricing is quoted per country as a platform fee plus a per employee charge, which makes cross-border cost comparison awkward and means a small subsidiary can carry a disproportionate fixed cost.
  • The product is built for small and mid-sized employers, and companies past a few hundred employees report hitting limits in complex collective agreement handling and in bulk data correction workflows.

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

PayFit

On request
  • PayFit$undefined/year
    • Monthly platform fee plus a charge per paid employee
    • Pricing differs by country of employment
    • Payroll calculation and statutory filing

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 PayFit if

  • You need native payroll engine.
  • You work on Web, iOS, Android.
  • You also want statutory filing.
PayFit review

Questions people ask

Is Mooncard or PayFit better?
Neither clearly leads. Mooncard starts at On request and PayFit at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mooncard or PayFit?
Mooncard starts at On request and PayFit at On request.
Does Mooncard or PayFit 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 PayFit is typically brought in for.
What can Mooncard do that PayFit cannot?
Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Flying Blue miles. PayFit covers Native payroll engine, Statutory filing, Payslip generation, Time off management. Both handle Accounting export.

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.

PayFit: Which countries does PayFit actually calculate payroll in?

It runs its own payroll engine for the countries it sells in, currently France, Spain, Italy and the United Kingdom, and it closed its German operation in 2023.

Mooncard: Does Mooncard publish pricing?

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

PayFit: Is it native payroll or aggregation through a local partner?

Native. Country rules are written and maintained in the company own domain-specific language, so calculation and filing are PayFit responsibilities rather than a partner obligation.

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.

PayFit: Can PayFit employ staff on my behalf?

No. It is payroll software for entities you already have. Employment in a country without your own entity needs an employer of record.

PayFit: Does it handle collective bargaining agreements?

Common French and Spanish agreements are supported, but unusual or heavily negotiated agreements can require manual handling.

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