Moss is a European spend management platform with corporate cards, invoicing, and approvals. Compare features, pricing plans, and alternatives.
Moss is a Berlin-based spend management platform founded in 2019 that gives European businesses corporate cards, invoice management, and employee reimbursements in a single system. The company has raised roughly $148 million from investors including Valar Ventures, Tiger Global, and Cherry Ventures, reaching a valuation of about $573 million after its Series B round.
Moss operates across multiple European markets, including Germany, the UK, the Netherlands, France, Italy, Belgium, Spain, and Austria, serving more than 7,000 businesses and processing over €7 billion in annual spend as of its most recent public figures.
Moss issues unlimited physical and virtual corporate debit and credit cards with configurable spending limits and approval rules, giving finance teams real-time visibility and control over company-wide spend without manual expense reports.
Beyond cards, Moss automates accounts payable (invoice capture and approval routing) and employee reimbursements, and connects to accounting and HR systems so transactions, receipts, and approvals sync automatically, reducing manual month-end close work.
Moss offers a Free plan for up to 3 users with unlimited cards, up to 20 invoices per month, and a Moss debit wallet. Paid plans remove user limits and add advanced approval flows, accounting integrations, and flexible funding.
Rather than fixed subscription tiers, Moss uses modular pricing built from a platform fee plus a variable fee tied to monthly transaction volume across cards, invoices, and reimbursements, with optional add-on modules like Advanced Controlling, Procurement, and ERP integrations priced separately.
Moss is a European spend management platform offering corporate cards, invoice management (accounts payable), and employee reimbursements in one system.
Moss has a free plan for up to 3 users, unlimited cards, and 20 invoices per month. Paid plans use modular pricing based on a platform fee plus a variable fee tied to monthly transaction volume.
Moss is headquartered in Berlin, Germany, and operates across multiple European markets including the UK, Netherlands, France, Italy, Belgium, Spain, and Austria.
Moss was founded in 2019 by Anton Rummel, Ante Spittler, Ferdinand Meyer, Stephan Haslebacher, and Harald Wendel.
No, Moss does not charge per-user fees on its paid plans; pricing is based on modules enabled and transaction volume instead.
Moss competes with other European spend management platforms such as Pleo, Spendesk, and Payhawk, as well as global players like Ramp and Brex.