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

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 Pleo if

• Fits if you want every employee to have their own card with their own limit
• Works for European teams with staff spending in several countries

Look elsewhere if

• Skip it if you want to try before paying, as there's no free plan or trial shown
• Pricey if you're 1 or 2 people, since you pay for at least 3 users
• Tight if your team spends in other currencies a lot, with a 1.75% FX fee on Build
• Watch out: direct reimbursements cost 0.90% each, and the US card is prepaid with no cash access
• Too light for paying supplier bills, which aren't among its features

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.

Pleo

• Card and invoice payments in another currency carry a 1.75% FX fee on Build and 1.49% on Optimise, and direct reimbursements cost 0.90% each.
• Build and Optimise need at least 3 users; no free plan or free trial is shown on the US pricing page.
• In the US the Pleo card is a prepaid Mastercard issued by Pathward, N.A., with no cash access.
• Pleo works in 16 European countries, including Denmark, the UK, Germany, France and Spain, as well as the US.

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.

Pleo

Company cards for each employee

Physical and virtual Pleo cards with Google Pay and Apple Pay, with individual, per-purchase and temporary spending limits.

Receipt capture

The app asks for a receipt after every card purchase, reads it with OCR, and the Fetch feature pulls online receipts from email automatically.

Out-of-pocket and mileage

Employees claim their own spending and mileage in the app, approvals follow company policy, and reimbursements are paid directly.

AI spend checks

AI spend guidelines on every plan, and AI expense reviews on Optimise (100 a month) or unlimited on Lead.

Vendor tracking

Recurring vendors and subscriptions are tracked, with renewal management and spending insights on Optimise.

Accounting exports

Auto-categorized expenses with custom categories and tags export to Xero, QuickBooks and other accounting systems.

Moss

Pricing could not be confirmed. See getmoss.com.

Pleo

• Build$12

  per user / month, billed yearly ($14 billed monthly)

  For 1 to 49 employees, 3-user minimum. Physical and virtual cards, receipt capture, reimbursements, mileage, approvals and AI spend guidelines.

• Optimise$16

  per user / month, billed yearly ($18 billed monthly)

  3-user minimum. Adds cashback for eligible customers, budgets, 100 AI expense reviews a month, HR integrations, vendor insights and live chat.

• Scale$249

  per month and up

  For 50 to 1,000 employees. Adds multi-entity management, advanced card controls and approvals, assisted onboarding and a success manager.

• Lead$499

  per month and up

  Adds unlimited reimbursement users with no reimbursement fees, unlimited virtual cards and AI reviews, premium integrations and purchase orders.

• EnterpriseCustom

  For companies of 1,000 or more employees, built and priced after a call with Pleo.

Moss

No public discounts listed.

Pleo

• Annual discount

  Save $2 a user each month with yearly billing

  Build costs $12 per user a month billed yearly instead of $14 monthly, and Optimise $16 instead of $18.