Is Moss or Tink better?

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

Which is cheaper, Moss or Tink?

Moss starts at On request and Tink at On request.

Does Moss or Tink run on more platforms?

Moss runs on Web, iOS, Android. Tink runs on API, 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 Tink is typically brought in for.

What can Moss do that Tink cannot?

Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

Accounting · head to head

Moss vs Tink

Moss

Accounting

European corporate cards, invoice management and accounting automation

From: On request
Rated: -

Full review Website

Tink

APIs

European open banking platform for account data and payment initiation

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.; Tink visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
They diverge on capability: Moss covers Corporate credit cards, Tink covers Account data access.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moss and Tink actually diverge.

Attributes where Moss and Tink differ
Attribute	Moss	Tink
Platforms	Web, iOS, Android	API, Web
Category	Accounting	APIs

Identical on both: starting price (On request), pricing model (quote), free tier (No), 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 Tink

Account data access
Payment initiation
EEA passporting
Categorisation
Account verification
Risk and affordability signals
Variable recurring payments support
Consent management

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

Tink

A European lender that needs verified income and expense data from a borrower bank account across several EEA markets under one licencenot Moss
A merchant offering pay-by-bank at checkout to avoid card acceptance costs on high value basketsnot Moss
A fintech that does not hold its own PSD2 licence and needs to operate under an authorised provider passported across the EEAnot Moss
A bank building an account aggregation view of a customer external accounts without negotiating with each institution individuallynot 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.

Tink

Visa owns Tink, and pay-by-bank exists to move payments off card rails, so the roadmap and pricing of the product you are using to reduce interchange are set by the company that earns the interchange.
Coverage is Europe only, so a product serving both European and United States users runs a second aggregator with a different data model and a separate contract.
PSD2 connection quality varies sharply by bank, and headline connection counts hide wide differences in success rate, consent lifetime and re-authentication frequency that determine what users actually experience.
Consent under PSD2 expires and requires periodic re-authentication, so any product depending on continuous data access has a recurring user friction it cannot design away, and drop-off at re-consent is a real product problem.
Pricing is quoted with data access and payment initiation priced separately, and there is no published rate card, so small merchants cannot compare pay-by-bank economics against card acceptance without a sales process.

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

Tink

On request

Tink Platform$undefined/year
- Priced by product, market and volume
- Data access and payment initiation priced separately
- Annual commitments typical for enterprise agreements

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 Tink if

You need account data access.
You work on API, Web.
You also want payment initiation.

Tink review

Questions people ask

Is Moss or Tink better?: Neither clearly leads. Moss starts at On request and Tink at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moss or Tink?: Moss starts at On request and Tink at On request.
Does Moss or Tink run on more platforms?: Moss runs on Web, iOS, Android. Tink runs on API, 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 Tink is typically brought in for.
What can Moss do that Tink cannot?: Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Tink covers Account data access, Payment initiation, EEA passporting, Categorisation.

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.

Tink: Who owns Tink?

Visa, since 2022. That is directly relevant if you are adopting pay-by-bank specifically to reduce card costs.

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.

Tink: Do I need my own PSD2 licence?

No. Tink holds AIS and PIS licences from the Swedish FSA passported across the EEA, and customers can operate as its agent rather than obtaining their own authorisation.

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.

Tink: Does Tink cover the United States?

No. It is a European platform. US coverage requires a separate provider.

Tink: How reliable are the bank connections?

It varies by institution far more than the headline count of roughly 6,000 connections suggests. Ask for per market and per bank success rates and consent lifetimes for the banks your users actually hold accounts with.

Moss vs Tink

Moss

Tink

The short version

Where they differ

What each one covers

Only in Moss

Only in Tink

What people use each for

Moss

Tink

Where each one falls short

Moss

Tink

Pricing, plan by plan

Moss

Tink

Which should you pick?

Choose Moss if

Choose Tink if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Moss

More on Tink

Keep looking

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