Softwr

Accounting · head to head

Moss vs Ottimate

Moss logo

Moss

Accounting

European corporate cards, invoice management and accounting automation

From
On request
Rated
-
Full reviewWebsite
Ottimate logo

Ottimate

Accounting

Invoice capture and accounts payable automation trained on food and beverage distributor formats

From
On request
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.; Ottimate nothing is published about price, and quotes are structured by location and invoice volume, so a group with a few high-volume sites and one with many low-volume sites can receive very different numbers for the same total spend
  • They diverge on capability: Moss covers Corporate credit cards, Ottimate covers Line-item invoice capture.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moss and Ottimate actually diverge.

Attributes where Moss and Ottimate differ
AttributeMossOttimate

Identical on both: starting price (On request), pricing model (quote), free tier (No), platforms (Web, iOS, Android), 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 Ottimate

  • Line-item invoice capture
  • GL coding
  • Approval routing
  • Supplier payments
  • Price change alerts
  • Purchase order matching
  • Digital invoice retrieval

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

Ottimate

  • A 40 site restaurant group whose bookkeepers key distributor invoices line by line to track food costnot Moss
  • An operator that wants to know within a week when a supplier raises the price of an item outside the contracted schedulenot Moss
  • A hotel group standardising accounts payable approvals across properties that each have their own general manager sign-off rulesnot Moss
  • A finance team migrating from paper invoice files that needs digital retrieval from supplier portals rather than chasing branches for copiesnot 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.

Ottimate

  • Nothing is published about price, and quotes are structured by location and invoice volume, so a group with a few high-volume sites and one with many low-volume sites can receive very different numbers for the same total spend
  • The line-item extraction advantage is trained on food and beverage distributor formats, so accuracy on long-tail suppliers, service invoices and one-off vendors falls back to general OCR and needs human review
  • It is an accounts payable layer, not an inventory or recipe costing system, so operators still need Restaurant365 or an equivalent for true plate costing and the value depends on that integration behaving
  • The company has rebranded once already from Plate IQ, and much of the third party comparison material still uses the old name or wrongly attributes it to AvidXchange, which makes independent due diligence unusually hard
  • Payment execution through the platform introduces a dependency on Ottimate for supplier relationships, and moving away later means re-establishing payment details with every vendor rather than simply exporting data

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

Ottimate

On request
  • Ottimate$undefined/year
    • Quoted by location count and invoice volume
    • Payment rails may carry separate transaction charges
    • Implementation and accounting system integration scoped separately

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 Ottimate if

  • You need line-item invoice capture.
  • You work on Web, iOS, Android.
  • You also want gl coding.
Ottimate review

Questions people ask

Is Moss or Ottimate better?
Neither clearly leads. Moss starts at On request and Ottimate at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moss or Ottimate?
Moss starts at On request and Ottimate at On request.
Does Moss or Ottimate 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 Ottimate is typically brought in for.
What can Moss do that Ottimate cannot?
Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Ottimate covers Line-item invoice capture, GL coding, Approval routing, Supplier payments.

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.

Ottimate: Is Ottimate owned by AvidXchange?

No. Ottimate is the rebranded Plate IQ and operates as an independent venture-backed company. AvidXchange is a competitor, not the parent.

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.

Ottimate: What was it called before?

Plate IQ. The company kept the same product and renamed it Ottimate.

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.

Ottimate: Does it work outside restaurants?

It will process any invoice, but the line-item extraction accuracy that justifies the price is tuned to food and beverage distributors. Other industries should test carefully before committing.

Ottimate: Does it replace Restaurant365?

No. It handles invoice capture, approval and payment. Recipe costing and restaurant-specific inventory stay in Restaurant365 or an equivalent.

Share

Related pages

More on Moss

More on Ottimate

Keep looking

Other head to heads