Circulavs
Moss


Moss: If you want underwritten corporate credit cards rather than expense first workflow

Expense, travel and employee benefit management for German speaking finance teams
As of 1 September 2026, Circula starts at €15/month. A Berlin expense platform that prices each module separately: fifteen euro per user per month for expenses, a ninety nine euro monthly platform fee for cards, a minimum of ten licences. Softwr lists it under Accounting. Circula is made by Circula GmbH, available on Web, iOS, Android.
Overview
Circula covers employee expense claims, travel expenses, corporate cards, accounts payable and tax free employee benefits, aimed squarely at companies operating under German tax law. Its distinguishing capability is compliance detail rather than breadth: German per diem rates by country and trip duration, meal deductions, mileage rules and the Sachbezug benefit allowance are built in with the correct tax treatment, and receipts are archived in a GoBD compliant way. That matters commercially because getting per diems wrong is a payroll tax exposure, not a reporting inconvenience. A generic expense tool will happily let an employee claim a full day rate on a departure day, and the correction lands in a payroll audit years later. Circula's pricing reflects the modular design: expenses are fifteen euro per user per month billed annually, credit cards carry a ninety nine euro monthly platform fee with unlimited cards, accounts payable is a hundred and forty nine euro monthly platform fee including a hundred invoices, and benefits are one euro per licence. There is a minimum of ten licences. Buyers are German, Austrian and Swiss mid market companies that need DATEV output and defensible per diem handling. The trade off is that the licence model is per active user with flexible licensing for occasional claimants, which is fairer than pure per seat but harder to forecast, and the module fees stack quickly once cards and accounts payable are added.
The honest half
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about Circula.
Cross-shopped
Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.


Moss: If you want underwritten corporate credit cards rather than expense first workflow


Pleo: If you need European card issuing across more countries with published per user pricing


Expensify: If your operations are mostly outside Germany and per diem compliance is not the deciding factor
Pricing
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Employee and Travel Expenses
€15 /mo
Credit Cards
€99 /mo
Accounts Payable
€149 /mo
Benefits
€1 /mo
Capabilities
German per diem engine
Country and duration based per diems with meal and accommodation deductions
Receipt capture and OCR
Mobile capture with GoBD compliant archiving
Corporate credit cards
Unlimited cards under a monthly platform fee with per card limits
Employee benefits
Tax free benefit allowances including Sachbezug and mobility budgets
Accounts payable
Supplier invoice capture and approval with an included invoice allowance
Mileage and travel
Distance based claims and trip level expense grouping
DATEV and ERP export
Structured export to DATEV and common accounting systems
Approval workflows
Multi level approval by cost centre, project and amount
Answered, with sources
Each answer names the page it came from, so you can check it rather than take our word for it.
Yes, by destination country and trip duration, including meal and accommodation deductions, which is the main reason DACH finance teams buy it.
Roughly seven hundred and fifty euro a month for expense licences alone at the fifteen euro rate, before the ninety nine euro card platform fee and any accounts payable module.
Yes. A minimum of ten licences and annual billing on the published rates.
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Softwr does not host reviews and shows no star rating for Circula, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
What people switch to, and what they give up
Every tier, and where the cost actually lands
Put it head to head with anything we hold
Its rating, and an embed for your own site
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