The Moss Insider’s Guide
Everything we know about Moss in one document: what it costs, its grades, getting a refund, getting help and what else to look at. Read it here, or keep a copy.
Moss
The Insider’s Guide
Corporate cards, reimbursements and payables for EU companies
Every plan, grade, refund rule and rival among spend and bill pay tools, read from Moss’s own pages.
Made by Nufin GmbH · checked Nov 12, 2026 · toolgpa.com
Contents
- 01WelcomeWhat it is, who it suits, its grades and the ten things to know first
- 02What it costsEvery plan, the free plan, ways to pay less and how prices have moved
- 03What it doesIts main features, where it runs, what it works with and who makes it
- 04Where it standsIts grades against its category, and whether to keep it or make your own
- 05The alternativesThe tools it is most often weighed against, side by side
- 06Quick answersThe questions people ask about it, each answered in a line or two
- 07About ToolGPAWho made this guide, what else is on the site, and how to cite it
ToolGPA put this guide together from Moss’s own pages, its app-store listings and our grades. Every fact in it is on Moss’s page too, where it is kept up to date. Checked Nov 12, 2026.
Part 01 · Overview
Welcome
What it is, who it suits, its grades and the ten things to know first
1.8
GPA, above 7 of the 51 other spend and bill pay tools we grade
Moss is a spend management platform for European companies. It offers corporate cards, employee reimbursements and accounts payable as modules, with procurement, controlling, ERP and AI accounting as add-ons. It charges one platform fee plus a variable fee based on monthly transaction volume, and not per user.
To get you started, here are 7 things to know about Moss, taken from its own pages and our grades.
No prices are published, procurement and ERP are add-ons, and it is built for EU businesses.
- 1
Best for corporate cards and AP for EU companies
Moss sells corporate cards, reimbursements and accounts payable as modules, charged by a platform fee plus a volume fee and not per user.
- 2
It runs on Web
Web.
- 3
Corporate cards
Unlimited instant virtual cards with customizable controls, a real-time view of card spend and automatic receipt fetching with reminders.
- 4
Employee reimbursements
Approval rules and policies, AI-based data extraction from receipts, and payment from the Moss balance or through a SEPA file.
- 5
Accounts payable
Multi-step invoice approvals with routing, automatic matching to purchase orders and scheduled payments.
- 6
A 1.8 GPA, above 7 of 51
That is against the other spend and bill pay tools we grade, on value, the free plan, features, ease of use and platforms.
- 7
Keep it
To replace Moss you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Moss at a glance
- Pricing
- Paid
- Free plan
- No
- Free trial
- None stated
- Runs on
- Web
- Made by
- Nufin GmbH
- Category
- Spend & Bill Pay
- Our grade
- 1.8 GPA, weak
The report card
Best for corporate cards and AP for EU companies
Moss sells corporate cards, reimbursements and accounts payable as modules, charged by a platform fee plus a volume fee and not per user. No prices are published, procurement and ERP are add-ons, and it is built for EU businesses.
| Subject | Grade | Comment |
|---|---|---|
| Value for money | C | No 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. |
| Free plan and trial | D | The page says to start free with Cards or Accounts Payable but gives no terms, so we can't say how far free goes. |
| Features | C | Cards, reimbursements and accounts payable. Procurement, ERP integration, controlling and AI accounting are paid add-ons. |
| Ease of use | C | No store rating on record. Modules, approval rules and accounting links to set up. |
| Platforms and integrations | C | Web only on record, and the page says it connects with more than 50 finance tools without naming them. |
An A is worth 4 points, a B 3, a C 2, a D 1 and an F nothing. The GPA is the average of the five.
Who Moss is for
- Fits if you are an EU company that wants cards and payables together
- Works for teams that want unlimited users without per-seat fees
Who it is not for
- 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
Good to know
Good for
- Companies in Germany and nearby EU markets that want cards and AP together
- Finance teams that want unlimited users without per-seat fees
- Teams that prefer to buy only the modules they use
Worth knowing
- 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.
Part 02 · Pricing
What it costs
Every plan, the free plan, ways to pay less and how prices have moved
Moss's current pricing could not be confirmed from its own site.
No price is published: the fee depends on modules, add-ons and monthly transaction volume.
We could not confirm Moss’s current prices from its own site, so this guide lists no plans. getmoss.com has them.
Part 03 · Features
What it does
Its main features, where it runs, what it works with and who makes it
1
Place it runs: Web
Corporate cards, reimbursements and payables for EU companies. Here is what it does, as its own site describes it, and what it covers: AI features, workflow automation, expense tracking, bill pay, company cards.
Cards, reimbursements and accounts payable.
- 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.
Where it runs
- Web
What it works with
Its own pages name no integrations.
Moss is made by Nufin GmbH.
Part 04 · Standing
Where it stands
Its grades against its category, and whether to keep it or make your own
7/51
Other spend and bill pay tools it is graded above
Moss's GPA of 1.8 is higher than 7 of the 51 other spend and bill pay tools we grade, and level with 18.
It stands best on value for money (C, above 3 of 51) and worst on free plan and trial (D, above 29).
Each grade against the category
Every bar is all 52 spend and bill pay tools we grade, cut by the letter each got. Moss’s own letter is outlined.
- CValue for moneyAbove 3 of 51
- DFree plan and trialAbove 29 of 51
- CFeaturesAbove 3 of 51
- CEase of useAbove 0 of 51
- CPlatforms and integrationsAbove 0 of 51
Keep it, or make your own?
Whether this is something you could build for yourself with an AI app builder, and what you would give up.
Keep it
To replace Moss 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: 26 of the 51 other spend and bill pay tools grade higher.
What you could make
- Expense tracking: an app builder makes this well.
What you could not
- Cards issued through a bank.
- Money moved between bank accounts, which takes a licensed payments partner.
- Connections to other products, each kept working as those products change.
- AI features, unless you pay a model provider for each request yourself.
What this rests on. Moss’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.
Part 05 · Alternatives
The alternatives
The tools it is most often weighed against, side by side
Payhawk, Spendesk, Pleo, Soldo and Pliant
The 5 tools Moss is most often weighed against, with where each one differs from it.
- 1.8GPA
Payhawk
Paid
Cards, expenses, payables and travel in one spend platform.
- Only Payhawk lists an iOS app.
- 2.2GPA
Spendesk
Paid
Spend management with unlimited cards and users, priced by quote.
- Only Spendesk lists iOS and Android apps.
- Moss also covers workflow automation.
- 1.8GPA
Pleo
From $12/mo
Company spending cards and expense reports from Copenhagen.
- Only Pleo lists iOS and Android apps.
- Moss also covers workflow automation and bill pay.
- 2.2GPA
Soldo
Free trial · from £27/mo
- 1.8GPA
Pliant
Paid
Visa corporate credit cards with spend controls for EU and UK firms.
- Only Pliant lists iOS and Android apps.
- Moss also covers workflow automation.
- Pliant also covers reports.
Part 06 · Questions
Quick answers
The questions people ask about it, each answered in a line or two
9
Questions, each answered in a line or two
The short version of everything above, for when you only need the answer. Each one is told in full in its part of the guide.
Is Moss free?
No. Moss is a paid product.
What platforms does Moss work on?
Moss is available on Web.
Does Moss have an Android app?
No Android app was listed when its pages were read on Nov 12, 2026. Moss is listed for Web.
Does Moss have an iPhone app?
No iPhone app was listed when its pages were read on Nov 12, 2026. Moss is listed for Web.
Is Moss open source?
Moss is not described as open source on its own site, as read on Nov 12, 2026.
Who makes Moss?
Moss is made by Nufin GmbH.
What are the alternatives to Moss?
The closest alternatives to Moss in our directory are Payhawk, Spendesk, Pleo, Soldo and Pliant.
How does Moss compare with other spend and bill pay tools?
Moss's GPA of 1.8 is higher than 7 of the 51 other spend and bill pay tools we grade, and level with 18.
Could I make my own version of Moss?
To replace Moss you would be making cards issued through a bank. That is not a weekend's work, with an AI app builder or without one.
Where this guide comes from
The prices, plans, platforms and features were read from Moss’s own pages on Nov 12, 2026, and the grades were given on Nov 12, 2026. Graded from this listing, whose facts were read from Moss's own pages on 12 November 2026. Not based on using the product, and shorter than our full reviews.
Every tool we list gets five grades, A to F, each with its reason, and a GPA that averages them. How each is decided is at toolgpa.com/grades. This guide is ToolGPA’s own work; it is not made, paid for or approved by Nufin GmbH. Prices change, so check getmoss.com before you buy.
Part 07 · About
About ToolGPA
Who made this guide, what else is on the site, and how to cite it
5,038
Tools graded, in 95 categories
ToolGPA grades software the way a school report grades a pupil: five subjects, a letter for each with the reason written beside it, and a GPA that averages them. Prices, plans and platforms are read from each maker’s own pages and dated, so you always know how fresh a figure is.
Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Every tool on the site has a guide like this one, free to download and pass on. It all lives at toolgpa.com.
5,038
tools graded
95
categories
739
price changes on record
579
apps priced in 12 countries
What else is on toolgpa.com
- Moss, kept up to dateEverything in this guide, with prices and grades as they are todaytoolgpa.com/tools/moss
- How grades are givenThe rules behind every letter and every GPAtoolgpa.com/grades
- Value chartsWhat each tool costs against what it scores, for every categorytoolgpa.com/charts
- CompareAny two tools side by side, plan by plantoolgpa.com/compare
- Price changesEvery price rise and cut on record, each with its sourcetoolgpa.com/price-changes
- Prices by countryWhat apps cost on the App Store in 12 countriestoolgpa.com/prices-by-country
- Pay lessEvery public discount: yearly billing, students, nonprofitstoolgpa.com/save
- Keep or makeWhich tools are worth paying for, and which you could build yourselftoolgpa.com/keep-or-make
Scan for the live page
Prices and grades as they are today
Quoting this guide?
Please name ToolGPA and link to the live page, so readers can check the figures for themselves:
ToolGPA, "Moss: The Insider's Guide", checked Nov 12, 2026. https://toolgpa.com/tools/moss
Know someone choosing between spend and bill pay tools?
Send them this guide: toolgpa.com/tools/moss/guide
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See our other guides
The best-graded spend and bill pay tools after Moss, each with an Insider's Guide of its own.
- Spend & Bill Pay Insider's GuideEvery one of the 52 spend and bill pay tools we grade, compared
- Brex Insider's GuideCorporate cards, expenses, bill pay and travel for growing companies3.6 GPA
- Ramp Insider's GuideCorporate cards, expenses, travel and bill pay, with a free plan3.6 GPA
- Airwallex Insider's GuideMulti-currency business accounts, cards, bill pay and expenses3.2 GPA
Choosing software? Every tool graded, every price dated.
Compare tools at toolgpa.com ›Everything in this guide is ToolGPA’s own summary of what Moss’s pages, its app-store listings and public reviews said on the dates shown. Grades are our judgement under the rules at toolgpa.com/grades. Every grade, review and ranking on ToolGPA is our own judgement. No company can pay for a grade or change one. Moss is a trademark of its owner, and this guide is not made, paid for or approved by Nufin GmbH. Prices and plans change: check getmoss.com before you buy.