Moss

Moss is a European spend management platform that pulls corporate cards, employee reimbursements, and accounts payable into one place. Instead of separate tools for cards, expenses, and bills, a finance team gets a single view of company spending and a single set of approval rules over it.

The card side issues physical and virtual cards with budget limits set before money is spent, which is the preventative angle: control the spend at the point of purchase rather than chasing it in reconciliation. The AP side captures invoices, routes approvals, and syncs to the ledger, and reimbursements handle out-of-pocket employee claims.

Pricing is modular. A small team can start free with up to 3 users and 20 invoices a month, then move to paid plans that charge a platform fee plus the modules used, with no per-user cost. That means the all-in price depends on which modules you turn on, so a quote is needed for a real figure.

Moss connects to Xero, NetSuite, QuickBooks Online, Sage Intacct, Microsoft Dynamics, DATEV, and Exact Online, with the DATEV and Exact connections reflecting its strength in Germany and the Netherlands.

The key constraint is geography. Moss operates in the UK, Germany, Austria, and the Netherlands, and is regulated in Germany, so it is a European tool rather than a US one. It is bought by businesses for their own spend rather than by firms to resell.