Moss vs Qonto

SAP Concur

Abby

Pleo

Revolut Business

Pliant

finway

Compare Moss and Qonto based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Pleo is a cloud-based expense management solution which provides virtual and plastic company cards, automatic expense categorization, receipt capture, and more

finway is a spend management software designed to help SMEs streamline budgeting, accounting, and invoicing operations via a unified portal. The platform enables employees to process one-time or recurring payments, track expenses, generate custom reports, and automate workflows in real-time.

Pliant is a payment platform that offers a comprehensive business credit card solution. Designed for companies of all sizes, Pliant provides both physical and virtual credit cards with high spending limits, attractive cashback terms, and premium perks such as comprehensive insurance packages and worldwide airport lounge access.

Moss is an expense management software that enables employees to spend in a decentralized way, giving finance managers complete visibility and control in real-time. By automating and digitizing spend, Moss frees finance teams from administrative tasks. 

Access Controls/Permissions

Accounting

Accounting Integration

Activity Dashboard

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Trail

Automated Receipt Matching

Billing & Invoicing

Budget Control

Budgeting/Forecasting

Categorization/Grouping

Compliance Management

Configurable Workflow

Corporate Card

Credit Card Management

Customizable Fields

Data Import/Export

Document Management

Duplicate Payment Alert

Electronic Payments

ERP integration

Expense Claims

Expense Tracking

Financial Management

Fraud Detection

Invoice Management

Invoice Processing

Mileage Tracking

Mobile Access

Mobile Receipt Upload

Multi-Currency

Optical Character Recognition

Policy Management

Process/Workflow Automation

Real-Time Data

Real-Time Notifications

Real-Time Updates

Receipt Management

Recurring Payments

Reimbursement Management

Reminders

Reporting & Statistics

Rules-Based Workflow

Secure Data Storage

Self Service Portal

Single Sign On

Spend Analysis

Spend Control

Third-Party Integrations

Transaction History

Workflow Management

Moss

Android

Web-based

iPad

iPhone

This is a great service. Super easy to use, all round a well polished service and I am happy to recommend.

Financial Controller

Easy to use & setup, saved lots of time in our month end processes, customer support is brilliant & always happy to help, overall a good experience & would highly recommend.

Growth Manager

The convenience of having a dedicated virtual card for monthly spending, along with the ability to effortlessly upload and categorize invoices, has significantly streamlined my financial tasks.

Project Manager

It helps me stay on top of all my transactions and assign cost centers accurately. I also appreciate being able to request travel funds in advance, like per diems or fuel.

Moss has been a great addition to our finance operations. It allowed us to centralize expense management, issue physical and virtual cards quickly, and gain better control over team budgets.

Maintenance

My experience with Moss is fantastic, i can recommend it to everyone, don't wait too much, go for it.

Product Designer

It has been an easy and secure experience overall. I like the look and feel and I can complete all my tasks pretty well.

Jr. People Business Partner

Also amazing that you could add the Moss card to your Apple Wallet. Their Customer Support is great.

I like to work with this product, you have a detailed overview of all costs and expenses, safe to work with (authentication features is very user friendly).

Director Customer Success

Uploading multiple receipts is fast and seamless, and the transparent approval process gives you a clear overview of your expected reimbursements.

Principal Industrial Designer

It’s not just a convenience—it’s a major improvement in accuracy, accountability, and peace of mind across the entire finance and operations workflow.

Application Manager

The app is intuitive and easy to use, making everyday financial tasks straightforward. Their website is equally well designed, with a clean interface that keeps everything organized and accessible.

Group Product Manger

3 authentication steps to get virtual card details. I know its about security, but as a user it bother.

Founder's Associate

I like toe integration with DATEV, we can automatically send receipts to our accountant. Card allocations for team members and certain services make it much easier to track and manage expenditure.

Head of ADB

Once I upload I then no longer have the option to add notes or assign a cost centre. The mobile app doesn't have this issue.

project manager

Apple Pay is not available in Belgium yet. The receipts finder feature only allows 1 email address to be connected with your account.

Datev integration is seamless. We don't pay out of Moss.

I use it on both my phone and laptop, which means I can access it no matter where I am. Uploading receipts is easy—just snap a photo with the app on my phone.

Moss screenshot: My Moss

Moss screenshot: Moss Export

Moss screenshot: Moss Invoices

Moss screenshot: Moss Payments

Moss screenshot: Moss Cards

Large Enterprises

Mid Size Business

Small Business

Revolut Business is designed to streamline your business operations. Scale — and save — with multi-currency accounts, company cards, spend management tools, seamless integrations, and more. Join the hundreds of thousands of businesses worldwide who use Revolut Business to expand with ease.

Abby helps businesses ensure that customer documents are legal and comply with the rules. Customers can pay online and receive reminders for late payments.


SAP Concur is a leading cloud-based spend management solution that helps small, medium, and large businesses automate and simplify expense reporting, travel booking, and invoice processing. It’s designed to give organizations better control over their business spend by integrating near real-time data and using AI to audit 100% of transactions.

Qonto is the leading European business finance solution with over 450,000 customers.
The company makes day-to-day banking easier for SMEs and freelancers by offering an online business account combined with finance tools, such as invoicing, bookkeeping, and spend management.

ATM Management

Cash Flow Management

Core Banking

Corporate Banking

Customer Experience Management

Document Storage

Investment Banking

Monitoring

Online Banking

Real-Time Monitoring

Secure Login

Securities Management

Transaction Monitoring

Two-Factor Authentication

User Management

Qonto

Linux

Windows

The interface is beautiful and fluid — one of the most elegant neobank apps on the market. Daily tasks like viewing balances, sending payments, and managing cards are pleasant and intuitive.

The app’s polish hides structural weaknesses and an unprofessional attitude in handling complex cases.

Developer, admin

Perfect UI, perfect API, a lot of new features to make a all in one solution for bank and invoicing for small and medium company.

They apologize but the only solution is to reconstruct everything and pay an additional external service. Ridiculously irrespectful and costly.

At first I was enthusiastic and moved my three companies to Qonto — it looked like the ideal digital bank for entrepreneurs.

Solutionnist

Among many great thngs, I do love how simple it is to open new bank accounts for the same user account.

I choose banking as a service to save money; I have a digital company, I minimize my costs and Qonto is a great answer to my needs.

Support is efficient, the app is efficient and well secured. It is easy to keep tracks on payment notes, payment delays are quicker than in physical banks and the whole solution is very hepful.

No respect for consumers. The worst experience in my entrepreneur life.

It’s also one of the few French fintechs that accepts U.S. citizens, which was a major advantage for my professional use.

The user experience is way better than with Wise or Getpenta.

The only thing I regret is that is impossible to sync Qonto with eshops (Woocommerce & co) or to edit payment links without using another solution.

Pleased with the product, invoicing works well, easy to integrate with other third parties, maybe the pricing per user is too expensive though.

Moss vs Qonto Comparison (2026)

Moss

Qonto

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives