Softwr

Payroll · head to head

Mooncard vs Rydoo

Mooncard logo

Mooncard

Payroll

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

From
On request
Rated
-
Full reviewWebsite
Rydoo logo

Rydoo

Accounting

Expense management with per-user pricing and a five-user minimum, built for European multi-entity teams

From
$10/month
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  • Each has a real cost: Mooncard pricing is entirely unpublished, so a company cannot budget or benchmark Mooncard against Payhawk or Extend without starting a sales process.; Rydoo a five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
  • They diverge on capability: Mooncard covers Configurable Visa cards, Rydoo covers Receipt OCR.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Mooncard and Rydoo actually diverge.

Attributes where Mooncard and Rydoo differ
AttributeMooncardRydoo
Starting priceOn request$10/month
Pricing modelquotePer user per month
CategoryPayrollAccounting

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

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 Rydoo

  • Receipt OCR
  • Per diem engine
  • Mileage
  • VAT fields
  • Multi-entity
  • ERP 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 Rydoo
  • A finance team automating VAT-compliant receipt capture instead of manual expense reportsnot Rydoo
  • A group with several legal entities wanting consolidated card and expense visibilitynot Rydoo
  • A company whose travellers want Flying Blue miles on corporate card spendnot Rydoo

Rydoo

  • A Belgian or German employer that must apply statutory per diem rates correctly across staff travelling in several countriesnot Mooncard
  • A group with five legal entities wanting one expense tool but separate approval chains and ledgersnot Mooncard
  • A company that already has a corporate card programme and refuses to change banks to get expense softwarenot Mooncard
  • A finance team recovering VAT on foreign travel and needing the fields captured at claim timenot 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.

Rydoo

  • A five-user minimum means very small teams pay for seats they do not have, which removes Rydoo from consideration for firms of two or three.
  • Pricing is per user rather than per active user, so organisations where most staff claim expenses twice a year still pay a full seat every month for them.
  • There is no card issuing, so real-time spend control and pre-authorisation are outside the product and remain with your bank.
  • Per diem and multi-entity handling sit on the higher tier, so the countries that most need Rydoo generally cannot buy the cheap plan.
  • Receipt extraction quality varies by language and receipt format, and finance teams still review a meaningful share of claims by hand.

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

Rydoo

$10/month
  • Essentials$10/month
    • Around 9 per user per month billed annually
    • Five-user minimum
    • Receipt capture, approvals and accounting export
  • Pro$12/month
    • Around 11 per user per month billed annually
    • Per diem engine and advanced policy controls
    • Multi-entity and multi-currency handling
  • Enterprise$undefined/month
    • Quoted pricing
    • Custom ERP and single sign-on work
    • Dedicated support and onboarding

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 Rydoo if

  • You need receipt ocr.
  • You work on Web, iOS, Android.
  • You also want per diem engine.
Rydoo review

Questions people ask

Is Mooncard or Rydoo better?
Neither clearly leads. Mooncard starts at On request and Rydoo at $10/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mooncard or Rydoo?
Mooncard starts at On request and Rydoo at $10/month.
Does Mooncard or Rydoo 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 Rydoo is typically brought in for.
What can Mooncard do that Rydoo cannot?
Mooncard covers Configurable Visa cards, Automated expense capture, Multi-entity premium tier, Accounting export. Rydoo covers Receipt OCR, Per diem engine, Mileage, VAT fields.

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.

Rydoo: Does Rydoo issue cards?

No. It is expense software only; you keep your existing corporate card or bank programme.

Mooncard: Does Mooncard publish pricing?

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

Rydoo: Is there a minimum?

Yes, pricing carries a five-user minimum, so the smallest bill is five seats regardless of headcount.

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.

Rydoo: Do I need the Pro plan?

If you operate per diems, multiple legal entities or multi-currency claims, yes. Essentials is for single-entity receipt and approval workflows.

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