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Moss - Review & Pricing 2025

Spend Management

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Expert review

Stackfix's Rating

7.5 / 10

Last updated on

Reviewed by Paddy Stobbs

Stackfix Co-Founder & CEO

PS

Key findings

Moss offers a streamlined expense solution tailored for European SMBs in the DACH region (Germany, Austria, Switzerland). Unlike comprehensive platforms, it specializes in credit card management and basic expense tracking with minimal setup requirements. Its standout feature is its exceptionally intuitive user experience, making it the perfect entry point for European businesses transitioning from manual processes to digital expense management.

Feature available

Pros

Exceptional Core Functionality
We found Moss delivers a comprehensive spend management suite that excels at the basics. During testing, we were impressed by how it handles corporate cards, expense capture, and invoice payments in one cohesive package - particularly valuable for SMBs wanting to consolidate their financial tools.
Intuitive User Experience
We were particularly impressed by Moss's clean, user-friendly interface. The thoughtful design makes everything from expense creation to transaction review remarkably straightforward, ensuring even non-technical team members can navigate the platform with confidence.
Streamlined Implementation
During our testing, we found Moss's setup process refreshingly efficient. The platform enables quick employee onboarding, swift card creation, and seamless accounting system integration, making it particularly suitable for finance teams without dedicated IT support.
User-Friendly Expense Management
We found the expense submission process notably straightforward, with convenient features like receipt photo capture and email forwarding. The platform's intuitive mobile app and web interface, combined with playful compliance features, make expense management remarkably accessible.

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Cons

Limited Integration Capabilities
We found Moss's integration capabilities to be notably restricted. With no API access and no Zapier integration, teams requiring custom workflows or connections to non-financial tools will find themselves frustrated. This is particularly problematic for scaling businesses needing to connect their spend management with broader business systems.
Limited Budget Management Features
We found the budget management tools to be narrowly focused on card-based spending rather than comprehensive financial planning. The restriction of budget reporting features to premium tiers makes it less accessible than competitors, potentially hampering smaller teams' ability to manage departmental spending effectively.
Not Available Outside the UK, Germany, Netherlands and France

Moss is only available in the UK, Germany, Netherlands and France. It is not available in the United States or most countries outside Europe.

Moss is best for

  • Businesses with European operations, particularly in DACH regions, seeking high credit limits and flexible card options
  • Who need streamlined expense capture and approval workflows without complex setup requirements
  • And/or who need quick month-end closing through direct accounting software integration

Moss is less good for

  • Businesses with global operations needing advanced spend management beyond the DACH region
  • Who need advanced spend forecasting and predictive analytics capabilities
  • And/or who need comprehensive budget planning beyond card-based spending

Moss pricing

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Billing cycle

Moss Platform

Custom

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Common features

Issue corporate cards
Control spending limits per user or card
Capture receipts via mobile devices

Advanced features

Access features through a dedicated mobile app
Configure multi-level approval workflows
Integrate with QuickBooks
Maintain comprehensive audit trails
Integrate with Xero
Approve expenses before they occur
Manage expenses across multiple business entities
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