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Spend management and corporate cards for European businesses
Moss is a spend management platform for small and mid-sized European businesses, combining corporate cards, invoice and expense management, and accounting automation in one system. Regulated in Germany, it is a strong fit for German-speaking and broader European markets that want control over company spending.
The platform covers smart corporate cards with spend controls, accounts-payable and invoice management, employee expense reimbursements, approval workflows, and deep integrations with accounting systems for automated bookkeeping. Its modular model lets teams start with a small free tier and pay a platform fee plus the modules they use, without per-user charges.
Moss serves finance teams at European SMBs that want to consolidate cards, invoices, and expenses while keeping accounting in sync. Its regulatory footing in Germany, no-per-user pricing, and accounting automation make it a popular European alternative to global spend tools.
Pricing Model
Custom
Starting Price
Contact vendor
Free Options
Free version
| Feature | Free | Paid |
|---|---|---|
| Up to 3 users | — | |
| 20 invoices/month | — | |
| Corporate cards | — | |
| Basic expense management | — | |
| No per-user cost | — | |
| Platform fee + modules | — | |
| Accounts payable | — | |
| Accounting automation | — | |
| Approval workflows | — | |
| Custom quote | — |
Other
Finance
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API Types
SDK Availability
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Developer Features
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Compliance Standards
SOC 2 Type II
EnterpriseISO 27001
EnterpriseGDPR Compliant
GlobalHIPAA
HealthcarePCI DSS
FinanceCCPA
PrivacyFedRAMP
GovernmentCSA STAR
CloudDeployment & Data
Data Residency Options
Verify with vendor for your specific region requirements.
Business banking and finance for European SMEs
Smart company cards and spend management for teams.
Spend management for scaleups and mid-market
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