Moss vs Soldo (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 Soldo if

• Fits if you are an incorporated UK business that wants controlled prepaid cards
• Works for teams that start with 3 cards and add more later

Look elsewhere if

• Pricey if you add people, as £27 covers 3 users and 3 cards and each plan has transfer limits
• Not for you if you are a sole trader, as only incorporated businesses can open an account
• Watch out: prices are in pounds, exclude VAT and don't say if they are billed monthly or yearly
• Watch out: card issuance and cash withdrawals carry separate financial services fees

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.

Soldo

• Prices are in pounds and exclude VAT; the page does not say whether they are billed monthly or annually.
• Card issuance and cash withdrawals carry separate financial services fees.
• Only incorporated businesses can open an account; sole traders cannot.
• NetSuite, Dynamics 365 and SSO are add-ons on lower plans.

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.

Soldo

Cards and wallets

Mastercard prepaid cards for employees or shared use, temporary virtual cards, fuel cards and Apple and Google Pay, funded from wallets.

Spend controls

Card rules, expense policies and pre-approval requests let finance set limits before money is spent.

Receipt capture

Receipts are captured in the mobile app, with OCR matching on Plus and above, and expense review workflows.

Bank transfers

Standard and Plus include outbound transfers over Faster Payments (UK) and SEPA (EU), subject to eligibility.

Accounting exports

Integrations with Xero, QuickBooks, Sage Intacct, Exact Online and DATEV, plus exports in XLSX, CSV and PDF.

Moss

Pricing could not be confirmed. See getmoss.com.

Soldo

• Standard£27

  per month, plus VAT; billing basis not shown

  1 wallet, 3 users, 3 cards, up to 20 outbound bank transfers a month, receipt capture and accounting connections.

• Plus£39

  per month, plus VAT; billing basis not shown

  3 company wallets, 3 users, 3 cards, 30 outbound transfers a month, multi-currency, OCR receipt capture and Amazon Business.

• UnlimitedCustom

  Unlimited wallets, users, cards and transfers, custom approval workflows, SAP Concur integration and a customer success team.