Moss Review 2024 – Features, Pros & Cons Revealed

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Our Verdict

Business management platform designed to streamline everyday financial tasks

Moss offers financial management solutions for small-to-medium businesses. Some of its core features include corporate cards, invoice management, budget control, and integration with popular accounting software like SAP, Sage, and Xero.

Choose one of the three plans: Smart Cards, Customised Plan and Complete Spend Management depending on your needs. Unfortunately, pricing isn’t available online and you’ll have to reach out to the Moss team for more information.


  • Offers corporate cards in virtual and physical form
  • Streaming outgoing payments with invoice management
  • Increases finance team productivity by 47%


  • Pricing isn’t displayed on the Moss website
  • Doesn’t offer banking facilities
  • Customer support isn’t available on weekends

In this Moss review, we cover everything you need to know. We explore its main features and tools, pricing, customer service, and how it can help your business operate more efficiently. 

What is Moss?

Founded in 2019, Moss is a spend management platform with a range of services. Aimed at small-to-medium companies, Moss helps businesses streamline day-to-day finance-related tasks. For instance, it offers corporate spending cards that can be issued to employees. Managers can implement spending limits and monitor usage through the Moss dashboard. 

Moss also offers invoice management. This ensures that companies stay on top of their invoices and settle them in time. Employee reimbursements are another feature of Moss. This ensures employees get paid on time when using Moss for company expenses. Moss is also renowned for its budget control tools. 

Moss review

Project managers can monitor budgets and real-time spending, and make adjustments when needed. Moss also integrates with third-party accounting software like SAP, Sage, and Xero. This helps companies streamline their accounting duties, saving time and money. There’s also integration with HR Information Systems, including HiBob, PeopleHR, and Personio. 

Ultimately, Moss appeals to companies that want to operate more efficiently. Its features and tools allow manual tasks to be automated, meaning businesses can dedicate resources to other, more profitable tasks. 

How Does Moss Work?

Moss offers an all-in financial management dashboard. It can be accessed online or via the Moss app for iOS and Android. Companies can issue corporate cards to employees, which are backed by MasterCard. This ensures Moss cards can be used globally, both online and in person. 

Management teams can set specific spending limits for each corporate card that’s been issued. Not only can spending be viewed in real-time, but management can approve or deny transactions. Moss also streamlines the reporting process for small-to-medium companies. For instance, transactions are automatically assigned a cost center. 

What’s more, employees can submit expense receipts via the Moss web/mobile app. This allows finance departments to operate more efficiently. Moss also connects with third-party software, meaning transactions are imported into existing account systems. It also connects with popular HR management tools. 

In addition, Moss offers credit facilities of up to €2.5 million per month. This comes with flexible payment terms and is accessed by a physical card. Credit limits and terms will be determined on a case-by-case basis.   

Moss Products

In this section of our Moss review, we take a much closer look at its core products and features. 

Corporate Cards

Corporate cards sit at the heart of the Moss ecosystem. Issued by MasterCard, they enable business owners to issue spending cards to their employees. Each card has unique payment details, allowing companies to track spending efficiently. Moreover, Moss allows businesses to create custom approval rules for each employee or department. 

For instance, consider a marketing department with a monthly budget of €10,000. Any transactions up to €500 will automatically be approved. Transactions of between €501 and €2,000 need to be approved by the marketing head. While transactions above €2,000 need to be approved by the CEO. 

Moss corporate cards

These approval rules can be adapted to your business needs. Corporate cards come in two forms. First, businesses can issue physical cards that are shipped by Moss. This will appeal to companies that need to transact in person. Second, Moss also offers virtual cards. These can be spent just like a conventional debit card, but only online. 

Businesses can also choose between a debit or credit card. Moss Debit doesn’t require credit underwriting, so will appeal to company start-ups. Transactions will only be approved if there is a sufficient balance. Cards can be topped up via bank transfer. Alternatively, Moss Credit operates like a traditional credit card. 

Businesses are given limits based on their creditworthiness. Limits of up to €2.5 million per month are available. Moss Credit comes with flexible payment terms. 

Receipts and Reimbursements 

Moss corporate cards streamline expenses for finance teams. After a transaction is approved, employees can take a photo of the receipt. This is done via the Moss app. Moss leverages OCR (Optical Character Recognition) technology, allowing it to analyze the receipt in real-time. This includes the name of the merchant, the date, VAT, and the total amount. 

Alternatively, if the transaction was made online, Moss can fetch the required data via email. This ensures that all company expenses are correctly reported. Crucially, without requiring human input. This frees up time and money for accounting departments. If a company expense isn’t attached to its receipt, Moss will send a notification. 

moss reimbursements

This will be sent to the respective employee. They can then add the receipt accordingly. Another notable feature is Moss’s reimbursement tool. This allows employees to submit expense claims whenever they like. For instance, if an employee was required to use their own money for a company expense. After a claim is made via the Moss dashboard, it will be sent for approval. 

Moss is also ideal for employees who travel for work. It can automatically track fuel usage and add the respective expenses. Management can also create travel budgets for each employee. This can be narrowed down to specific categories, like hotels and meals. Receipts in foreign currencies can be converted automatically, once they’re added to the dashboard.  

Invoice Management

Invoices are often a pain point for small-to-medium businesses. Moss automates the process with its invoice management tool. Here’s how it works. First, Moss’s OCR technology will extract data when invoices are received. This includes the name of the supplier, the invoice date, the due date, and the total amount. 

Ordinarily, accounting teams would be required to input this information manually. With Moss, the process takes seconds

Moss invoice management

It can also automatically assign a category, so the invoice is sent to the correct department. Moss also helps businesses minimize invoice errors. For instance, if it detects a potential duplicate, it will notify the respective department. Alerts will also be sent if the invoice hasn’t been settled and the due date is approaching. This helps avoid missed or late payments. 

Budget Control

Our Moss review found that the platform is ideal for budget controls. Business owners can set a monthly budget for each department, such as marketing, sales, and operations. This can be tracked in real-time via the Moss dashboard. Every time an employee uses the Moss card, it will automatically be assigned to the respective budget. 

This can also be viewed by the department lead, ensuring they stay on track. Moss also incorporates invoices into its budget management tool. This helps departments predict what incoming payments are due and how it will impact their monthly budget. Moss will send an alert when a specific budget is approaching its limit. 

Moss budget control

Management can adjust budgets at any time, at the request of department heads. If approval is granted, the department will not be able to exceed its budget, meaning card transactions will be declined. This is especially beneficial for start-ups with limited operating capital. 

Software Integrations

Integrations with third-party software are the icing on the cake. After all, businesses will have their own accounting systems in place. Moss connects with many accounting software, including Exact, Sage, SAP Business One, Xero, Oracle, Quickbooks, and Docuware. All of the Moss features discussed above will automatically be streamlined into the connected software feed.  

For instance, company expenses made with the Moss card will automatically be assigned a cost center. The corresponding receipt will be attached to the expense. This is also the case with invoices. Moss’s OCR technology scans the relevant data and imports it into the accounting system. This includes core metrics like VAT rates and supplier accounts. 

moss accounting integrations

Moss also connects with popular HR Information Systems. This includes BambooHR, HiBob, PeopleHR, Sage HR, Workday, and SAP SuccessFactors. This saves countless hours of manual processing. HR teams can onboard new employees at the click of a button. There’s also integration with Single-Sign-On services, such as Google, Okta, and Microsoft Azure. 


Moss offers a range of educational resources, blogs, and useful insights. This helps businesses get the most out of Moss. For instance, Moss recently published a report detailing the potential return on investment (ROI) for its customers. 

It claims a positive ROI in just five months and a 4.5x ROI within three years. The report also claims that Moss increases finance team productivity by 47%. Moss also claims to save €795 per employee through increased efficiency. 

The resources section also provides useful case studies from existing customers. In particular, a UK-based business was able to reclaim £30,000 in VAT, thanks to Moss’s automated receipt tool.  


Moss doesn’t publish its prices online, which we consider a drawback. That said, a flat pricing structure likely wouldn’t be possible, considering the different needs of each business. 

moss pricing & fees

Moss offers three different plans, which are summarized below:

Smart Cards 

This plan enables companies to issue an unlimited number of corporate cards with automated approval flows. It also comes with Moss Credit; limits will be determined by Moss’s underwriter. The Smart Cards plan comes with other core features, including receipt capturing and integration with account systems. 

Customized Plan

Startups and small businesses may prefer the Customized plan. This enables companies to choose their own limits, ensuring cost efficiency. For example, businesses can select how many corporate cards and monthly transactions they need. 

An alert will be sent when the limit is approaching. If it’s exceeded, Moss will add an extra 25 transactions for a set fee. Businesses can also purchase additional limits to avoid extra fees. 

Complete Spend Management

This plan offers complete oversight of all Moss features, including invoice management, expense reimbursements, and corporate spending cards. 

It also comes with real-time budget insights, software integrations, and accounting automation. The Complete Spend Management plan also comes with a dedicated account manager. 


Our Moss review found that the platform is dedicated to customer safety and security. It also understands the importance of data protection. Moss companies with all relevant data laws, including the General Data Protection Regulation (GDPR). 

Moss claims to only work with established and reliable payment providers, ensuring that transactional data is protected. It leverages multi-layer defenses that alert Moss to suspicious activities. The Moss dashboard is hosted on the Google Cloud Platform, which complies with globally recognized certifications. This includes ISO/IEC 27001 and SOC2. 

moss security features

In terms of account security, Moss offers multi-factor authentication. This is required when logging in and verifying transactions. Corporate cards are backed by 3D Secure, which offers an extra layer of security. Another safeguard is Moss’s integration with Single-Sign-On services such as Google, Okta, and Microsoft Azure.

Customer Service

Moss customers have access to various support channels, including live chat and email. There’s also telephone support with multiple local numbers, including Germany, France, Italy, Spain, Belgium, and the UK. 

Customer support is available Monday to Friday between 9 and 6 pm. Considering some businesses operate over the weekends, this will be a drawback for some. There is one exception; those on a Customized plan will have access to 24/7 support. 

In addition, those on a Complete Spend Management plan are given a personalized account manager. 


In summary, Moss enables small-to-medium businesses to streamline everyday financial tasks. From corporate debit/credit cards and invoice management to automated expense reports, Moss improves efficiency and frees up time and money. 

There’s also integration with accounting and HR software, allowing businesses to automate manual tasks. That said, Moss doesn’t publish its pricing structure, so companies need to obtain a custom quote. 


What is Moss?

Does Moss Have an App?

How Much Does Moss Cost?

Where Can I Use Moss Corporate Cards?

How Do I Add Funds to a Moss Corporate Card?

Michael Graw
Technology Expert
Michael Graw
Technology Expert

Michael Graw is an experienced writer in the business and B2B tech fields. His articles can be found on Business Insider, Entrepreneur, Tom’s Guide, and TechRadar, and cover everything from corporate finance to crypto and international tech regulation. A prolific copywriter and entrepreneur, Michael has worked with a wide range of SaaS and tech companies and has his finger firmly on the pulse of B2B tech and finance.