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Moss

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Spec score 8.6 #3 of 29 in Spend Management Software

What it is

Moss is a spend management platform for SMEs that combines corporate cards, accounts payable, reimbursements and accounting automation. Businesses can set card limits and merchant rules, create approval chains and purchase requests, and check budgets before spending. It offers physical and virtual Mastercard corporate cards, including unlimited virtual cards with real-time controls. Employees can upload receipts through the web or mobile app and add cost centres and VAT rates to transactions. Moss lists integrations with accounting software including Xero, Oracle NetSuite, QuickBooks Online, Microsoft Business Central, DATEV, AFAS, Exact and SAP Business One, alongside HR, SSO and productivity integrations. Its API supports custom integrations, automation, reporting and analytics. The free plan is free and covers up to 3 users, unlimited cards and up to 20 invoices monthly, using a debit-only wallet. Paid plans have no listed price and include expanded controls, integrations and onboarding support. Moss says its credit account can offer up to €2,500,000 with payment terms up to 60 days. Its stated security and compliance provisions include ISO/IEC 27001:2022 certification, GDPR compliance, DORA compliance and BaFin regulation under PSD2.

Spec sheet

Product
Moss is a spend management platform for SMEs that combines corporate cards, accounts payable, reimbursements and accounting automation.Read 1 Oct 2026 · getmoss.com
API
The Moss API lets authorised applications connect programmatically to Moss for custom integrations, automation, reporting and analytics.Read 1 Oct 2026 · help.getmoss.com
Integrations
Moss lists accounting, ERP, HR, travel, identity and productivity connections including DATEV, Xero, NetSuite, QuickBooks, Personio, Deel, Google Workspace, Azure and Okta.Read 15 Oct 2026 · getmoss.com
Security
Moss states that it is ISO/IEC 27001:2022 certified, GDPR compliant and compliant with the Digital Operational Resilience Act, with multi-factor authentication, biometrics, four-eyes approvals and SSO.Read 1 Oct 2026 · getmoss.com
Compliance
Moss says it is a BaFin-regulated financial institution operating under the PSD2 framework.Read 1 Oct 2026 · getmoss.com
Support
Paid plans include 1:1 onboarding support, and Moss describes its customer service as best-in-class.Read 1 Oct 2026 · getmoss.com
Headquarters
Berlin, GermanyRead 28 Sep 2026 · getmoss.com
Founded
2019Read 28 Sep 2026 · getmoss.com
Accounts payable
Accounts-payable workflows capture invoices, match purchase orders, route approvals and schedule payments.Read 15 Oct 2026 · getmoss.com
API authentication and limits
Administrators create API keys; OAuth 2.0 client-credentials tokens support read or write scopes, with tokens expiring after one hour and documented request-rate limits.Read 15 Oct 2026 · developers.getmoss.com
API extensibility
API use cases documented by Moss include BI reporting, cash-flow tools, budget portals, audits and AI document analysis; no SDK is listed.Read 15 Oct 2026 · developers.getmoss.com
Auditability
Moss says receipts and invoices are encrypted, version-controlled and kept in an immutable audit trail, with role controls and transaction locks after export.Read 15 Oct 2026 · help.getmoss.com
Browser requirements
Supported desktop browsers are Chrome 115+, Edge 115+, Firefox 116+, Safari on macOS 16.4+ and Opera 101+; mobile browsers are not officially supported.Read 15 Oct 2026 · help.getmoss.com
Company legal identity
The platform and website identify Nufin GmbH as the legal operator, registered in Berlin, Germany.Read 15 Oct 2026 · getmoss.com
Company scale
Moss states that it has served more than 10,000 businesses across Europe, has raised more than €200 million in funding and was established in 2019.Read 1 Oct 2026 · getmoss.com
Contract terms
Moss says it is available on flexible contract terms and does not lock customers into a long contract.Read 1 Oct 2026 · getmoss.com
Corporate cards
The platform provides physical and virtual cards with limits, merchant controls, approval rules and real-time spend visibility.Read 15 Oct 2026 · getmoss.com
Credit limit
Moss says its credit account can provide a credit line of up to €2,500,000 with payment terms of up to 60 days.Read 1 Oct 2026 · getmoss.com
Expense capture
Employees can upload receipts through the Moss web and mobile app and add cost centres and VAT rates to transactions.Read 1 Oct 2026 · getmoss.com
Funding and valuation news
A company announcement dated August 5, 2026 says Moss closed a Series C led by Portage with Cherry Ventures participation and reached a €1 billion valuation.Read 15 Oct 2026 · getmoss.com
Google Play listing
The Android listing shows 10K+ downloads, but the opened page does not display a numeric rating or review count.Read 15 Oct 2026 · play.google.com
Headquarters and size
Moss lists Saarbrücker Str. 37a, 10405 Berlin as its headquarters and says it has more than 300 employees across six offices.Read 15 Oct 2026 · getmoss.com
Independent company criticism
A 2025 Report.at interview says Moss conducted layoffs after overexpansion in 2021–22 and reported about €30 million revenue in 2023.Read 15 Oct 2026 · report.at
Licence terms
Moss terms grant customers a non-exclusive, non-sublicensable and non-transferable right to use the services during the agreement.Read 15 Oct 2026 · getmoss.com
Limit: customization and reporting
Reviewers report that some approval workflows and reporting options are too fixed for complex organizations.Read 15 Oct 2026 · softwareadvice.com
Limit: payment and regional coverage
G2 reviewers cite declined transactions, regional feature gaps such as Apple Pay availability and limited payment options.Read 15 Oct 2026 · g2.com
Limit: pricing complaints
A Trustpilot reviewer complained that costs rose substantially after an introductory offer.Read 15 Oct 2026 · trustpilot.com
Limit: receipt and approval workflow
G2 complaints include blocked cards when receipts are late, upload problems and approval friction.Read 15 Oct 2026 · g2.com
Maker and founding
Moss says it has operated since 2019 and was founded by Ante Spittler, Ferdinand Meyer, Anton Rummel and Stephan Haslebacher.Read 15 Oct 2026 · getmoss.com
Mobile requirements
The terms describe iOS and Android mobile apps, while the web application requires an internet connection and current supported operating systems.Read 15 Oct 2026 · getmoss.com
Praise: ease of use
G2 reviewers repeatedly mention intuitive setup, easy navigation, simple receipt capture and convenient expense handling.Read 15 Oct 2026 · g2.com
Praise: support and onboarding
Trustpilot reviewers repeatedly describe responsive support and smooth, patient implementation assistance.Read 15 Oct 2026 · trustpilot.com
Procurement and controls
Optional procurement and advanced-controlling features cover budgets, purchase requests, purchase orders, approval policies and spend insights.Read 15 Oct 2026 · getmoss.com
Public API
The public API is a REST API version 1 using JSON, standard HTTP methods and endpoints for expenses, users, suppliers and accounting dimensions.Read 15 Oct 2026 · developers.getmoss.com
Rating on Apple App Store
5.0 out of 5 from 3 ratingsRead 15 Oct 2026 · apps.apple.com
Rating on Capterra
4.9 out of 5 from 234 reviewsRead 15 Oct 2026 · capterra.com
Rating on G2
4.7 out of 5 from 254 reviewsRead 15 Oct 2026 · g2.com
Rating on GetApp
4.9 out of 5 from 234 reviewsRead 15 Oct 2026 · getapp.com
Rating on Software Advice
4.9 out of 5 from 234 reviewsRead 15 Oct 2026 · softwareadvice.com
Rating on Trustpilot
3.6 out of 5 from 218 reviewsRead 15 Oct 2026 · trustpilot.com
Rating on TrustRadius
4 out of 10 from 1 reviewRead 15 Oct 2026 · trustradius.com
Reimbursements
Reimbursement tools support mileage, per-diems and out-of-pocket claims, with AI receipt extraction and SEPA or Moss-balance payouts.Read 15 Oct 2026 · getmoss.com
Scheduled exports
Customers can schedule card, invoice, reimbursement, purchase-request and attachment exports to their own SFTP server.Read 15 Oct 2026 · help.getmoss.com
Security certifications
Moss states that it is BaFin regulated, ISO/IEC 27001:2022 certified, SOC 2 audited and GDPR compliant, with EU data hosting.Read 15 Oct 2026 · getmoss.com
Security controls
Security measures listed include TLS 1.2 or newer in transit, AES-256 encryption at rest, MFA, biometrics, four-eyes approvals, SSO, penetration testing and monitoring.Read 15 Oct 2026 · getmoss.com
Spend controls
Moss supports card limits, merchant rules, approval chains, purchase requests and budget checks before spending occurs.Read 1 Oct 2026 · getmoss.com
Support and authentication
Account setup requires SMS-based two-factor authentication, and the mobile app can provide authentication for sensitive actions.Read 15 Oct 2026 · help.getmoss.com
What Moss does
Moss combines corporate cards, employee expenses, accounts payable, procurement and accounting automation in one spend-management platform.Read 15 Oct 2026 · getmoss.com

Plans and prices

Free Plans Free up to 3 users · unlimited cards · up to 20 invoices per month · customisable approval and verification steps · debit-only Moss wallet Read 1 Oct 2026 · getmoss.com
Moss Starter Free up to 3 users · unlimited cards · up to 20 invoices/month · Moss Wallet debit-only Read 15 Oct 2026 · getmoss.com
Paid Moss Platform Priced on request unlimited users and cards · modular platform fee · variable fee based on monthly transaction volume · modules and add-ons selectable Read 15 Oct 2026 · getmoss.com
Paid Plans Priced on request unlimited users and cards · advanced approval flows and budget controls · accounting integrations and add-ons · HR software integrations · 1:1 onboarding support · debit or credit funding (eligibility applies) Read 1 Oct 2026 · getmoss.com

Every Moss plan and price →

Strong points and limits

Strong points

  • Card controls include limits and merchant rules
  • Unlimited virtual Mastercard cards
  • Free plan includes up to 20 invoices monthly
  • Accounting and HR integrations are listed

Limits

  • Free plan covers up to 3 users
  • Free wallet is debit-only

Who it suits

Moss suits SMEs that want to manage company cards, bills, reimbursements and accounting workflows together. The free plan is limited to three users and a debit-only wallet; paid plans list credit funding subject to eligibility.

Verdict

Moss brings spending controls and expense workflows together, with a free option for small teams and paid plans for additional capabilities. The free plan's user cap and debit-only wallet are important limits to weigh.

Where Specifiction places it

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