Mooncard review (2026): is it worth it?
Company payment cards with expense reports and accounting exports
Black Friday: is there a Mooncard sale?
Mooncard report card
Weak · out of 4.0 · graded Nov 13, 2026
Best for company cards with built-in receipts and accounting
Mooncard gives teams Visa cards with receipt capture and an accounting engine, and links to French and European accounting tools. Packages are quoted after a demo, several controls are options, and the site is in French first.
Who Mooncard is for
- Fits if you run a company in France that wants cards and receipts in one tool
- Works for finance teams that hand accounts to Sage, Cegid or SAP
Who Mooncard is not for
- Skip it if you want a posted price, since both packages are quoted after a demo
- Pricey if you want a card that costs nothing to issue, as the page states 10 euros a card
- Watch out: custom approval flows and duplicate detection are options on both packages
- Watch out: Flying Blue cards show 1.5% or 3% load fees, and the site is French with an English switch
Why Mooncard gets a 1.8
Five grades, each with its reason. The GPA is their average: an A is 4 points, an F is none.
- CValue for moneyNo subscription price is published; Original and Hub are quoted after a demo. The pricing page does show a 10 euro card issuance fee and a 0% load fee.
- FFree plan and trialNothing free and no trial on the listing; both packages go through a demo request.
- CFeaturesPhysical and virtual cards, spending rules, receipt capture, accounting, mileage and multi-entity reporting. Custom approval flows and duplicate detection are options on both packages.
- CEase of useNo store rating on record. The accounting engine and links to Sage, Cegid or SAP need setting up first.
- BPlatforms and integrationsWeb, iOS and Android with a list of accounting and ERP integrations. No desktop app.
What these grades rest on. Graded from this listing, whose facts were read from Mooncard's own pages on 13 November 2026. Not based on using the product, and shorter than our full reviews. How we review and grade.
Make Mooncard? Put this grade on your site
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<a href="https://toolgpa.com/tools/mooncard#review"><img src="https://toolgpa.com/badge/mooncard.svg" alt="Mooncard: 1.8 GPA on ToolGPA" width="196" height="56"></a>Where Mooncard stands among spend and bill pay tools
Mooncard's GPA of 1.8 is higher than 17 of the 76 other spend and bill pay tools we grade, and level with 21.
It stands best on platforms and integrations (B, above 18 of 76) and worst on free plan and trial (F, above 0).
Each grade against the category
Every bar is all 77 spend and bill pay tools we grade, cut by the letter each got. Mooncard’s own letter is outlined.
- CValue for moneyAbove 5 of 76, level with 55
- FFree plan and trialAbove 0 of 76, level with 42
- CFeaturesAbove 4 of 76, level with 56
- CEase of useAbove 0 of 76, level with 64
- BPlatforms and integrationsAbove 18 of 76, level with 57
Keep Mooncard, or make your own?
Keep it
To replace Mooncard you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
That makes this kind of software worth paying for, not this one in particular: 38 of the 76 other spend and bill pay tools grade higher.
What you could make
- Expense tracking and reports: an app builder makes these well.
What you could not
- Cards issued through a bank.
- A real app for iOS and Android. Something home-made would be a web page.
- It plugs into other products, Sage, Cegid and Agicap among them.
What this rests on. Mooncard’s listing: what it does, where it runs, what it plugs into and what it costs. It is a judgement about the kind of software this is. We have not built a replacement for it, and making your own means looking after it too. How we decide, and every tool’s verdict.
What is Mooncard?
Mooncard pairs Visa corporate cards, physical and virtual, with an expense platform that collects receipts, applies spending rules and produces accounting entries. It is built for French-speaking finance teams, with a French-language site, and sells two packages, Original and Hub, on a quote.
Worth knowing
- No prices are published; both packages, Original and Hub, are quoted after a demo request.
- The pricing page states a card issuance fee of 10 euros and a 0% load fee; Flying Blue cards show 1.5% or 3%.
- Several controls, including custom approval flows and duplicate detection, are marked as options on both packages.
- The site is in French, with an English switch; the Visa card is issued by Paynovate, according to its legal notice.
Key features
- Physical and virtual Visa cards
- The pricing page lists physical Visa cards, recurring or single-use virtual cards, Apple Pay and Google Pay, 3D Secure and cash withdrawals at ATMs.
- Spending rules
- Limits can be set per employee, per purchase and per period, with rules by hours, days, merchant type and expense type, plus alerts when a limit is passed.
- Receipt capture
- SMS and push notifications ask the cardholder for the receipt, and OCR reads the details. Cards can be blocked automatically while receipts are missing, as an option.
- Accounting engine
- Expense categories, VAT codes and export templates are configurable, with bank reconciliation, evidential archiving and exports to accounting software.
- Expense reports and mileage
- Expense report entry and mileage allowances are listed as options on both packages, alongside approval workflows and duplicate detection.
- Multi-entity reporting
- The Hub package adds management and reporting across several legal entities, with five seats per entity and preferential pricing for entities.
Mooncard pricing
We could not confirm Mooncard’s current pricing from its own site, so we are not listing plans here. See mooncard.co for current prices.
Works with
- Sage
- Cegid
- Agicap
- SAP
- Microsoft Dynamics
Mooncard alternatives
- Mooncard vs Pleo
From $12/mo
- Mooncard vs Qonto
Free trial · from €9/mo
- Mooncard vs Soldo
Free trial · from £27/mo
Common questions
Does Mooncard have a Windows app?
No Windows app was listed when its pages were read on Nov 13, 2026. Mooncard is listed for Web, iOS and Android.
Does Mooncard have a macOS app?
No macOS app was listed when its pages were read on Nov 13, 2026. Mooncard is listed for Web, iOS and Android.
Is Mooncard open source?
Mooncard is not described as open source on its own site, as read on Nov 13, 2026.
Sources for this page
The prices, plans, platforms and features above were read from these pages on Nov 13, 2026.