Moss vs Teampay by Paystand
Moss
getmoss.comTeampay by Paystand
paystand.comSide by side
| Figure | Moss | Teampay by Paystand |
|---|---|---|
| Price from | Free | — |
| Free plan | Yes | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 4 | 0 |
| Spec score · Spend Management Software | 8.6 (#3) | 6.8 (#23) |
| Headquarters | Berlin, Germany | California, United States |
| Product | Moss is a spend management platform for SMEs that combines corporate cards, accounts payable, reimbursements and accounting automation. | Teampay provides a spend agent in Slack and Microsoft Teams for managing issued cards, connected Amex cards, and reimbursements. |
| 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. | Paystand’s help center states that the company is PCI and SOC 2 certified by a qualified third party with audited security controls. |
| Spend controls | Moss supports card limits, merchant rules, approval chains, purchase requests and budget checks before spending occurs. | It applies spending limits, merchant restrictions, approval workflows, and budget controls across cards, reimbursements, and vendor purchases. |
Plans
Moss
- Free PlansFree
- Moss StarterFree
- Paid Moss PlatformPriced on request
- Paid PlansPriced on request
In their own words
Moss
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.
Teampay by Paystand
Teampay by Paystand has no write-up on Specifiction yet; its figures are above.