Softwr

Accounting · head to head

Moss vs Soldo

Moss logo

Moss

Accounting

European corporate cards, invoice management and accounting automation

From
On request
Rated
-
Full reviewWebsite
Soldo logo

Soldo

Accounting

Prepaid company card and spend control platform for European businesses

From
£21/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.; Soldo cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
  • They diverge on capability: Moss covers Corporate credit cards, Soldo covers Prepaid company cards.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moss and Soldo actually diverge.

Attributes where Moss and Soldo differ
AttributeMossSoldo
Starting priceOn request£21/month
Pricing modelquotePer user per month

Identical on both: 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 Soldo

  • Prepaid company cards
  • Card-level budgets
  • Receipt capture
  • Accounting export
  • Multi-currency wallets
  • 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 Soldo
  • A finance team replacing pre funded prepaid cards with a monthly settled credit limit to protect working capitalnot Soldo
  • A business consolidating supplier invoice approval and card spend into one approval chainnot Soldo
  • A group with entities in Germany, the Netherlands and Spain wanting one spend view across themnot Soldo

Soldo

  • A construction firm giving site managers fuel and materials cards with hard per-card limitsnot Moss
  • A marketing team issuing virtual cards per subscription so a cancelled tool cannot keep billingnot Moss
  • A UK company that cannot get approved for a credit-based corporate card programmenot Moss
  • A multi-entity European business needing EUR and GBP wallets without conversion on every purchasenot 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.

Soldo

  • Cards are prepaid, so if the central wallet runs low the cards decline in front of a supplier, and treasury has to keep an idle float funded rather than using a credit line.
  • The plan fee covers only three users, and per-user charges plus physical card fees mean the real monthly cost is several times the advertised headline for a team of twenty.
  • It does not extend credit, so it gives no working capital benefit and no card rewards of the kind US charge card issuers use to offset their cost.
  • Sole traders and some business types are not accepted, which catches out small consultancies expecting to sign up online.
  • Coverage is European; a company with US or Asian subsidiaries will need a second card programme and a second expense workflow for them.

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

Soldo

£21/month
  • Standard$21/month
    • Three users included
    • Around £7 per additional user per month
    • Physical card issuance fee around £5, virtual around £1
  • Plus$33/month
    • Three users included
    • Around £11 per additional user per month
    • Advanced approval and multi-currency features
  • Enterprise$undefined/month
    • Quoted pricing
    • Custom card volumes and entity structures
    • Dedicated account management

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 Soldo if

  • You need prepaid company cards.
  • You work on Web, iOS, Android.
  • You also want card-level budgets.
Soldo review

Questions people ask

Is Moss or Soldo better?
Neither clearly leads. Moss starts at On request and Soldo at £21/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moss or Soldo?
Moss starts at On request and Soldo at £21/month.
Does Moss or Soldo 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 Soldo is typically brought in for.
What can Moss do that Soldo cannot?
Moss covers Corporate credit cards, Invoice management, Employee reimbursements, DATEV export. Soldo covers Prepaid company cards, Card-level budgets, Receipt capture, Accounting export.

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.

Soldo: Is Soldo a credit card?

No. It is prepaid electronic money. You fund a wallet and cards spend from it, so there is no credit line and no interest-free period.

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.

Soldo: What licence does Soldo hold?

Soldo is authorised as an electronic money institution, including UK, Irish and Italian entities, which is why it can issue cards without a sponsor bank in those markets.

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.

Soldo: What does it really cost for twenty users?

Take the plan fee, add the per-user rate for the seventeen users beyond the included three, then add card issuance fees per physical card.

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