Softwr

Accounting · head to head

Moss vs Stigg

Moss logo

Moss

Accounting

European corporate cards, invoice management and accounting automation

From
On request
Rated
-
Full reviewWebsite
Stigg logo

Stigg

Accounting

Usage runtime platform for credits and entitlements

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Stigg has a free tier, so it costs nothing to try first.
  • 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.; Stigg free tier limited to 10,000 entities and 5M events per month
  • They diverge on capability: Moss covers Corporate credit cards, Stigg covers Real-time credit enforcement.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moss and Stigg actually diverge.

Attributes where Moss and Stigg differ
AttributeMossStigg
Starting priceOn requestFree
Pricing modelquoteFreemium with usage-based and custom tiers
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb, Cloud, BYOC, BYODB, API

Identical on both: 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 Stigg

  • Real-time credit enforcement
  • Financial-grade credits
  • High-scale metering
  • Budget governance
  • Flexible deployment
  • Billing platform integration
  • Data warehouse integration
  • CRM integration

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

Stigg

  • Managing token and credit usage for AI productsnot Moss
  • Enforcing spending caps and budget controlsnot Moss
  • Implementing prepaid credit systems with expirynot Moss
  • Real-time entitlement verification for feature accessnot Moss
  • Scaling billing infrastructure for high-volume eventsnot 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.

Stigg

  • Free tier limited to 10,000 entities and 5M events per month
  • Pro plan pricing ($399/month) may be high for early-stage companies
  • Scale and BYOC plans require custom contracts and sales engagement
  • Primarily targets AI and high-scale use cases, not all business models
  • Requires integration with separate billing platform (Stripe, Zuora, etc.)

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

Stigg

Free
  • Build (Free Forever)Free
    • 10,000 managed entities per month
    • 5M usage events per month
    • 1K events per second rate limit
  • Pro$399/month
    • 10,000 entities included (graduated pricing to 100K)
    • 25M usage events included (to 500M with graduated rates)
    • 10K events per second (upgradeable to 100K)
  • Scale$null/custom
    • Custom entity and event volumes
    • 50K events per second (upgradeable to 100K)
    • RBAC and SSO (SAML)
  • BYOC$40000/year
    • Deploy in customer VPC
    • Unlimited entities and events
    • No event billing

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 Stigg if

  • You need real-time credit enforcement.
  • You want to start without paying.
  • You work on Web, Cloud, BYOC, BYODB, API.
  • You also want financial-grade credits.
Stigg review

Questions people ask

Is Moss or Stigg better?
Neither clearly leads. Moss starts at On request and Stigg at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moss or Stigg?
Stigg has a free tier; the other does not. Paid plans start at On request for Moss and Free for Stigg.
Does Moss or Stigg run on more platforms?
Moss runs on Web, iOS, Android. Stigg runs on Web, Cloud, BYOC, BYODB, API.
Can I use Stigg for free?
Yes. Stigg has a free tier, so you can try it without paying. Moss starts at On request.
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 Stigg is typically brought in for.
What can Moss do that Stigg cannot?
Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Stigg covers Real-time credit enforcement, Financial-grade credits, High-scale metering, Budget governance.

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.

Stigg: How quickly does Stigg check entitlements?

Stigg makes entitlement checks in under 10 milliseconds, enabling real-time enforcement of spending decisions before token consumption.

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.

Stigg: Can I use Stigg with my existing billing platform?

Yes, Stigg integrates with major billing platforms including Stripe, Zuora, Chargebee, Metronome, and Orb to manage entitlements and credits.

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.

Stigg: What deployment options does Stigg offer?

Stigg offers cloud API, BYOC (Bring Your Own Cloud) for VPC deployment, and BYODB options for customers who want to manage their own database.

Source
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