Is Moss or Payhawk better?

Neither clearly leads. Moss starts at On request and Payhawk at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Moss or Payhawk?

Moss starts at On request and Payhawk at On request.

Does Moss or Payhawk run on more platforms?

Both run on Web, iOS, Android, so platform support will not decide this one for you.

What is Moss best used for?

Moss is most often used for a german company whose tax adviser works in datev and needs card and invoice data exported without manual rekeying, a finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capital, a business consolidating supplier invoice approval and card spend into one approval chain, a group with entities in germany, the netherlands and spain wanting one spend view across them. Of those, a german company whose tax adviser works in datev and needs card and invoice data exported without manual rekeying and a finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capital are not what Payhawk is typically brought in for.

What can Moss do that Payhawk cannot?

Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Payhawk covers Corporate cards, Accounts payable automation, Procurement module, Travel booking.

Accounting · head to head

Moss vs Payhawk

Moss

Accounting

European corporate cards, invoice management and accounting automation

From: On request
Rated: -

Full review Website

Payhawk

Payroll

Modular spend management combining corporate cards, accounts payable, procurement and travel

From: On request
Rated: -

Full review Website

The short version

Each has a real cost: 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.; Payhawk buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.
They diverge on capability: Moss covers Corporate credit cards, Payhawk covers Corporate cards.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moss and Payhawk actually diverge.

Attributes where Moss and Payhawk differ
Attribute	Moss	Payhawk
Pricing model	quote	Per module per month
Category	Accounting	Payroll

Identical on both: starting price (On request), 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 Moss

Corporate credit cards
Invoice management
Employee reimbursements
DATEV export
Accounting preparation
Budgets and teams
Receipt matching
Multi entity

Only in Payhawk

Corporate cards
Accounts payable automation
Procurement module
Travel booking
ERP integrations
Multi-entity consolidation

What people use each for

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

Moss

A German company whose tax adviser works in DATEV and needs card and invoice data exported without manual rekeyingnot Payhawk
A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot Payhawk
A business consolidating supplier invoice approval and card spend into one approval chainnot Payhawk
A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot Payhawk

Payhawk

A multi-entity European business wanting one system for cards, expenses and payables across currenciesnot Moss
A finance team that wants to price spend management before a sales call rather than negotiating blindnot Moss
A company wanting only accounts payable automation without paying for card issuing it does not neednot Moss
A mid-market business standardising ERP-integrated expense reporting ahead of a fundraise or auditnot Moss

Where each one falls short

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

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.

Payhawk

Buying the full stack of Travel, Accounts Payable, Cards and Procurement separately costs more than a single suite price, since each module carries its own flat monthly fee.
The unlimited-seats model is a poor fit for a company issuing cards to only a handful of employees, since the fixed module price does not scale down.
Card issuing depends on Payhawk's own banking partners rather than a company's existing bank, so switching away later means reissuing cards and re-training staff on a new tool.
Procurement is a separate paid module rather than a built-in feature, so a company evaluating "Payhawk" from marketing material may be looking at capability it has not actually bought.
International card acceptance and FX handling vary by market, and companies with material spend outside Europe report gaps compared to global card issuers.

Pricing, plan by plan

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

Payhawk

On request

Travel$299/month
- Integrated travel booking
- Unlimited employee seats
Accounts Payable$349/month
- Invoice capture and approval routing
- Unlimited document processing
Cards and Expenses$449/month
- Unlimited card transactions
- Multi-entity expense management
Procurement$499/month
- Purchase request and approval workflow
- Vendor management

Which should you pick?

Choose Moss if

You need corporate credit cards.
You work on Web, iOS, Android.
You also want invoice management.

Moss review

Choose Payhawk if

You need corporate cards.
You work on Web, iOS, Android.
You also want accounts payable automation.

Payhawk review

Questions people ask

Is Moss or Payhawk better?: Neither clearly leads. Moss starts at On request and Payhawk at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moss or Payhawk?: Moss starts at On request and Payhawk at On request.
Does Moss or Payhawk run on more platforms?: Both run on Web, iOS, Android, so platform support will not decide this one for you.
What is Moss best used for?: Moss is most often used for a german company whose tax adviser works in datev and needs card and invoice data exported without manual rekeying, a finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capital, a business consolidating supplier invoice approval and card spend into one approval chain, a group with entities in germany, the netherlands and spain wanting one spend view across them. Of those, a german company whose tax adviser works in datev and needs card and invoice data exported without manual rekeying and a finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capital are not what Payhawk is typically brought in for.
What can Moss do that Payhawk cannot?: Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Payhawk covers Corporate cards, Accounts payable automation, Procurement module, Travel booking.

Answered from the vendors’ own pages

Moss: 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.

Payhawk: Is Payhawk pricing really public?

Yes, module pricing (Travel, Accounts Payable, Cards and Expenses, Procurement) is published starting at 299 to 499 dollars a month per module, or bundled as Payhawk Complete.

Moss: 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.

Payhawk: Does it charge per seat?

No, each module includes unlimited employee seats; the fixed monthly fee does not increase with headcount.

Moss: 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.

Payhawk: Can we buy just one module?

Yes, modules are sold separately, so a company can buy Accounts Payable without Cards or Procurement.

Moss vs Payhawk

Moss

Payhawk

The short version

Where they differ

What each one covers

Only in Moss

Only in Payhawk

What people use each for

Moss

Payhawk

Where each one falls short

Moss

Payhawk

Pricing, plan by plan

Moss

Payhawk

Which should you pick?

Choose Moss if

Choose Payhawk if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Moss

More on Payhawk

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