# Mooncard review (2026): is it worth it? > Company payment cards with expense reports and accounting exports Checked Nov 13, 2026 ยท graded Nov 13, 2026 by ToolGPA. 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. - **Category:** Spend & Bill Pay - **Made by:** Moongroup - **Website:** https://www.mooncard.co - **Runs on:** Web, iOS, Android - **Who should skip it:** Skip it if you want a posted price, since both packages are quoted after a demo. - **Facts last checked:** Nov 13, 2026 ## Pricing Mooncard's current pricing could not be confirmed from its own site. ## 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. ## Good for - French companies that want cards and expense reports in one place - Groups with several entities that need consolidated spend reporting - Fleet managers who track fuel and spend per vehicle ## 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. ## ToolGPA grades **GPA: 1.8 out of 4**, graded Nov 13, 2026. 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. - **Value for money: C.** No 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. - **Free plan and trial: F.** Nothing free and no trial on the listing; both packages go through a demo request. - **Features: C.** Physical and virtual cards, spending rules, receipt capture, accounting, mileage and multi-entity reporting. Custom approval flows and duplicate detection are options on both packages. - **Ease of use: C.** No store rating on record. The accounting engine and links to Sage, Cegid or SAP need setting up first. - **Platforms and integrations: B.** Web, iOS and Android with a list of accounting and ERP integrations. No desktop app. These are ToolGPA's own grades. 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. ## Where it 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). The category's chart of price against score: https://toolgpa.com/charts/expenses ## Keep it, 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. - You could make: Expense tracking and reports: an app builder makes these well. - You could not: Cards issued through a bank. - You could not: A real app for iOS and Android. Something home-made would be a web page. - You could not: It plugs into other products, Sage, Cegid and Agicap among them. A judgement by ToolGPA from this listing, by rules that are the same for every tool. Nothing was built to test it. ## Works with Sage, Cegid, Agicap, SAP, Microsoft Dynamics **Tags:** Expense tracking, Company cards, Reports ## Alternatives - [Pleo](https://toolgpa.com/tools/pleo): Company spending cards and expense reports from Copenhagen. [Compare](https://toolgpa.com/compare/mooncard-vs-pleo) - [Spendesk](https://toolgpa.com/tools/spendesk): Spend management with unlimited cards and users, priced by quote. [Compare](https://toolgpa.com/compare/mooncard-vs-spendesk) - [Payhawk](https://toolgpa.com/tools/payhawk): Cards, expenses, payables and travel in one spend platform. [Compare](https://toolgpa.com/compare/mooncard-vs-payhawk) - [Qonto](https://toolgpa.com/tools/qonto): European business account with cards, transfers and invoicing. [Compare](https://toolgpa.com/compare/mooncard-vs-qonto) - [Soldo](https://toolgpa.com/tools/soldo): Prepaid company cards and spend control for UK and EU teams. [Compare](https://toolgpa.com/compare/mooncard-vs-soldo) ## Sources The prices, plans, platforms and features above were read from these pages on Nov 13, 2026: - https://www.mooncard.co/fr/tarifs - https://www.mooncard.co Page: https://toolgpa.com/tools/mooncard Listed by ToolGPA (toolgpa.com).