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Moss vs Payhawk (2026): which should you pick?

As of Nov 12, 2026, Moss and Payhawk share a 1.8 GPA, neither has a free plan and their prices can't be set side by side, so the choice depends on whether you care more about the free plan, where Moss grades higher, or platforms, where Payhawk does.

Checked Nov 12, 2026 · graded Nov 12, 2026 by ToolGPA

They get the same grade on value for money, features and ease of use.

Price, platforms and features side by side. The table says where each price was read and when.

Moss

Corporate cards, reimbursements and payables for EU companies

Paid
Full detailsgetmoss.com

Payhawk

Cards, expenses, payables and travel in one spend platform

Paid
Full detailspayhawk.com

Which one is for you

Pick Moss if

  • Fits if you are an EU company that wants cards and payables together
  • Works for teams that want unlimited users without per-seat fees

Look elsewhere if

  • Pricey if you can't see a price, as the fee depends on modules and transaction volume
  • Watch out: the free start on Cards or Accounts Payable has no terms on the page
  • Not for you if you are outside the EU, as cards come from Moss GmbH in Germany and the site is aimed at EU firms
  • Watch out: procurement, ERP, advanced controlling and AI accounting cost extra

Pick Payhawk if

  • Fits if you want cards, expenses and payables on one platform
  • Works for firms on the accounting systems it lists

Look elsewhere if

  • Pricey if you can't see a price, as the page leads to a demo
  • Watch out: NetSuite, Dynamics 365, SAP S/4HANA and advanced HR links are add-ons
  • Watch out: currency conversion carries a 0.3% mark-up on EUR, GBP, USD and CHF and 0.7% on DKK and PLN
  • Tight if you need budgets or travel, as both are paid add-ons
  • Skip it if you use Android, as only a web and iOS listing is on record

How we grade them

1.8GPAMossWeak1.8GPAPayhawkWeak
Value for money
CNo price is published: the fee depends on modules, add-ons and monthly transaction volume. We leave it at the middle of the category's figures.
CNo price is published, so we leave it at the middle of the category's $7.50, $12 and $20 figures.
Free plan and trial
DThe page says to start free with Cards or Accounts Payable but gives no terms, so we can't say how far free goes.
FNo free plan and no trial; the pricing page is built around modules and a demo request.
Features
CCards, reimbursements and accounts payable. Procurement, ERP integration, controlling and AI accounting are paid add-ons.
CCards, expenses, payables, procurement, accounting automation, travel and AI agents. Budget management and business travel are separate add-ons.
Ease of use
CNo store rating on record. Modules, approval rules and accounting links to set up.
CNo store rating on record. Modules, cards and accounting links to set up.
Platforms and integrations
CWeb only on record, and the page says it connects with more than 50 finance tools without naming them.
BWeb and iPhone, with eight integrations on record. No Android app listed.
Best forcorporate cards and AP for EU companiescards, expenses and payables for EU companies

The GPA is the average of the five grades: an A is 4 points, an F is none. The full reasons are on each tool's page: Moss and Payhawk. How we grade

Where they differ

    In commonWebAI featuresWorkflow automationExpense trackingBill payCompany cards

    At a glance

    MossPayhawk
    PricingPaidPaid
    Starts atNot publishedNot published
    Free planNoneNone
    Free trialNone listedNone listed
    Web
    iOS
    Made byNufin GmbHPayhawk
    Price read fromNot confirmedNot confirmed
    CheckedNov 12, 2026Nov 12, 2026

    Worth knowing

    Moss

    • No prices are published; the fee depends on modules, add-ons and expected monthly transactions.
    • The page opens with a note about starting free with Cards or Accounts Payable but gives no terms.
    • Cards are issued by Moss GmbH, regulated in Germany, and the site is aimed at EU businesses.
    • Procurement, ERP, advanced controlling and AI accounting are paid add-ons.

    Payhawk

    • No prices are published; the pricing page is built around modules and a demo request.
    • NetSuite, Dynamics 365, SAP S/4HANA and advanced HR integrations are marked add-ons.
    • Currency conversion carries a stated mark-up of 0.3% on EUR, GBP, USD and CHF and 0.7% on DKK and PLN.
    • Budget management and business travel are separate add-ons to the core platform.

    Key features

    Moss

    Corporate cards
    Unlimited instant virtual cards with customizable controls, a real-time view of card spend and automatic receipt fetching with reminders.
    Employee reimbursements
    Approval rules and policies, AI-based data extraction from receipts, and payment from the Moss balance or through a SEPA file.
    Accounts payable
    Multi-step invoice approvals with routing, automatic matching to purchase orders and scheduled payments.
    Add-on modules
    Advanced controlling, procurement, ERP integration and AI-powered accounting can be added to the base platform.
    Accounting integrations
    The page says Moss connects with more than 50 finance tools, and standard accounting integrations are part of the platform.

    Payhawk

    Corporate cards
    Physical and virtual debit cards in several currencies, with single-use virtual cards and spend limits by amount, merchant, category or country.
    Automatic expense creation
    An expense is created on each card payment, with receipt capture, mailbox matching and reminders, plus mileage and per diem reimbursements.
    Accounts payable and procurement
    Invoice capture and approval, purchase order requests and 2-way and 3-way matching, with supplier payments in 115 currencies.
    Accounting automation
    Automated coding and VAT coding, with live integrations to Xero, QuickBooks Online and Exact Online, and native ERP add-ons such as NetSuite.
    Business travel module
    Flight and hotel booking with custom travel policy, trip approvals and automatic per diems calculated from bookings.
    AI agents
    Procurement, Payments and Financial Controller agents for the finance team, with an MCP connection for Claude and ChatGPT.

    Plans

    Moss

    Pricing could not be confirmed. See getmoss.com.

    Payhawk

    Pricing could not be confirmed. See payhawk.com.

    Common questions

    Which is cheaper, Moss or Payhawk?

    As of Nov 12, 2026, Moss has no price we could confirm, and Payhawk has no price we could confirm.

    Which has a free plan, Moss or Payhawk?

    As of Nov 12, 2026, neither Moss nor Payhawk has a free plan.

    Which platforms do Moss and Payhawk run on?

    As of Nov 12, 2026, only Payhawk lists an iOS app. Both list a web app. A platform missing from a listing is one its maker's pages did not mention.

    More comparisons

    How this page was made

    • The verdict at the top follows a fixed rule. When both tools are in the same category and either is in our top three for it, the verdict follows that ranking: the higher-placed tool is our pick. The top three weigh who each tool suits as well as its grades, so a pick can go against the GPA. Otherwise the page does not pick one and says which grades higher: the higher GPA first; on a tie, the one with a free plan, then the one that starts cheaper in dollars a month, counted the same way for both; if they are still level, what the choice depends on.
    • The grades are our own, from each tool’s review or report card. The GPA is their average.
    • Prices, plans and platforms come from each tool’s listing. The table above says where each price was read and when.
    • The differences and the answers to the questions are worked out from those listings.
    How we review and grade