Softwr

Accounting · head to head

Moss vs Pleo

Moss logo

Moss

Accounting

European corporate cards, invoice management and accounting automation

From
On request
Rated
-
Full reviewWebsite
Pleo logo

Pleo

Accounting

Smart company cards for forward-thinking teams

From
£9.5/month
Rated
-
Full reviewWebsite

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.; Pleo card delays and transaction limits impact usability, with limited regional acceptance in some areas
  • They diverge on capability: Moss covers Corporate credit cards, Pleo covers Company cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moss and Pleo actually diverge.

Attributes where Moss and Pleo differ
AttributeMossPleo
Starting priceOn request£9.5/month
Pricing modelquoteUnknown
PlatformsWeb, iOS, AndroidiOS, Android, Web
FoundedUnknown2015

Identical on both: free tier (No), user rating (Not yet rated), category (Accounting).

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 Pleo

  • Company cards
  • Receipt capture
  • Expense categorization
  • Spend limits
  • Accounting sync
  • Xero
  • QuickBooks
  • Sage

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 Pleo
  • A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot Pleo
  • A business consolidating supplier invoice approval and card spend into one approval chainnot Pleo
  • A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot Pleo

Pleo

  • Employee expensesnot Moss
  • Spending autonomynot Moss
  • Expense automationnot 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.

Pleo

  • Card delays and transaction limits impact usability, with limited regional acceptance in some areas
  • Receipt capture OCR inaccuracies and upload lag/glitches complicate expense categorization
  • Limited expense categories and tags reduce flexibility for complex accounting structures
  • Transaction approval workflows have minimal customization options
  • Lacks in-built forecasting tools and reporting is basic, providing limited insights into trends

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

Pleo

£9.5/month
  • Starter$9.5/month
    • Company cards
    • Real-time expense tracking
    • Automated reports
  • Essential$39/month
    • Reimbursements
    • Mileage and per diem
    • Vendor cards
  • Advanced$89/month
    • Cashback
    • Budgets
    • Multi-entity management
  • Beyond$179/month
    • Spending insights
    • Sub-wallets
    • Dedicated success manager

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 Pleo if

  • You need company cards.
  • You work on iOS, Android, Web.
  • You also want receipt capture.
Pleo review

Questions people ask

Is Moss or Pleo better?
Neither clearly leads. Moss starts at On request and Pleo at £9.5/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moss or Pleo?
Moss starts at On request and Pleo at £9.5/month.
Does Moss or Pleo run on more platforms?
Moss runs on Web, iOS, Android. Pleo runs on iOS, Android, Web.
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 Pleo is typically brought in for.
What can Moss do that Pleo cannot?
Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Pleo covers Company cards, Receipt capture, Expense categorization, Spend limits.

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.

Pleo: What are Pleo's pricing tiers?

Pleo offers four pricing tiers: Starter (GBP 9.50/month), Essential (GBP 39.00/month), Advanced (GBP 89.00/month), and Beyond (GBP 179.00/month). Annual billing provides equivalent of two free months.

Source
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.

Pleo: Does Pleo have a free tier?

No, Pleo does not offer a free tier or permanent free plan. All plans require payment with a free trial available for evaluation.

Source
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.

Pleo: What integrations does Pleo support for accounting?

Pleo integrates directly with Xero and QuickBooks, plus Sage 200, Sage 50, Microsoft Dynamics 365 Business Central, Datev, and Visma e-conomic. Zapier integrations are also available.

Source
Pleo: What platforms can access Pleo?

Pleo is accessible via iOS and Android mobile apps, and through a web interface. Physical and virtual cards are issued for spending.

Source
Pleo: Does Pleo support multiple currencies?

Yes, Pleo supports multi-currency spending and transactions. The platform is particularly strong for European teams with local payment methods.

Source
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