Is Moss or Volopay better?

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

Which is cheaper, Moss or Volopay?

Moss starts at On request and Volopay at On request.

Does Moss or Volopay 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 Volopay is typically brought in for.

What can Moss do that Volopay cannot?

Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management.

Accounting · head to head

Moss vs Volopay

Moss

Accounting

European corporate cards, invoice management and accounting automation

From: On request
Rated: -

Full review Website

Volopay

Payroll

Corporate cards, multi-currency accounts and accounts payable automation for Asia-Pacific businesses

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.; Volopay cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
They diverge on capability: Moss covers Corporate credit cards, Volopay covers Multi-currency business accounts.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moss and Volopay actually diverge.

Attributes where Moss and Volopay differ
Attribute	Moss	Volopay
Category	Accounting	Payroll

Identical on both: starting price (On request), pricing model (quote), 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 Volopay

Multi-currency business accounts
Virtual and physical corporate cards
Accounts payable automation
Expense management
Accounting integrations
Approval workflows

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

Volopay

A Singapore-headquartered company paying vendors and staff across several APAC currencies from one accountnot Moss
A finance team wanting free domestic transfers with accounts payable automation includednot Moss
A regional business consolidating separate local business bank accounts into one multi-currency platformnot Moss
A company whose card spend is concentrated in SGD and wants to minimise cross-currency fee exposurenot 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.

Volopay

Cross-currency spend within Singapore carries a fee around 3.1%, which is easy to overlook against the advertised free domestic transfers and can dominate total cost for internationally mobile teams.
Cross-border payments in non-SGD currencies add roughly 1.6%, so a company paying many overseas vendors accumulates a real cost that is not visible on the headline pricing.
Regional focus on Asia-Pacific means weaker fit for companies whose spend is mainly in Europe or North America, where Payhawk or Extend cover the ground better.
Pricing is not published, so despite the specific fee percentages that are publicly known, the underlying subscription or platform fee must be obtained by quote.
As a comparatively young fintech, its card issuing depends on banking partners whose regulatory standing in each APAC market can change, and companies should confirm current licensing in their specific country before committing.

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

Volopay

On request

Volopay$undefined/month
- Free domestic SGD transfers and Accounts Payable Automation
- Approximately 1.6% fee on cross-border non-SGD payments
- Approximately 3.1% fee on cross-currency spend within Singapore

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 Volopay if

You need multi-currency business accounts.
You work on Web, iOS, Android.
You also want virtual and physical corporate cards.

Volopay review

Questions people ask

Is Moss or Volopay better?: Neither clearly leads. Moss starts at On request and Volopay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moss or Volopay?: Moss starts at On request and Volopay at On request.
Does Moss or Volopay 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 Volopay is typically brought in for.
What can Moss do that Volopay cannot?: Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Volopay covers Multi-currency business accounts, Virtual and physical corporate cards, Accounts payable automation, Expense management.

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.

Volopay: What currency is Volopay built around?

Singapore dollar as the base account currency, with support for spend and transfers across several other Asia-Pacific currencies.

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.

Volopay: Are transfers free?

Domestic SGD transfers and the Accounts Payable Automation product are advertised as free; cross-border and cross-currency transactions carry separate fees.

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.

Volopay: Is pricing published?

No, subscription pricing requires a quote, though the specific cross-currency fee percentages are disclosed publicly.

Moss vs Volopay

Moss

Volopay

The short version

Where they differ

What each one covers

Only in Moss

Only in Volopay

What people use each for

Moss

Volopay

Where each one falls short

Moss

Volopay

Pricing, plan by plan

Moss

Volopay

Which should you pick?

Choose Moss if

Choose Volopay if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Moss

More on Volopay

Keep looking

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