Pleo vs Moss

SAP Concur

Zoho Expense

Spendesk

Pliant

finway

Emburse Captio

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

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.

Captio is an expense management software that integrates expense processes into a single, paperless workflow, eliminating manual tasks & preventing fraud

Zoho Expense is online travel and expense management software that helps businesses streamline corporate travel, automate expense reporting, gain complete control over spending, accelerate reimbursements, and get crucial financial insights to stay two steps ahead.

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

Accounting

Accounting Integration

Activity Dashboard

Activity Tracking

Ad hoc Reporting

Approval Process Control

Approval Workflow

Billing & Invoicing

Budget Control

Budgeting/Forecasting

Categorization/Grouping

Compliance Management

Corporate Card

Customizable Fields

Data Import/Export

Electronic Payments

ERP integration

Expense Claims

Expense Tracking

Financial Analysis

Invoice Management

Invoice Processing

Mileage Tracking

Mobile Access

Mobile Receipt Upload

Multi-Currency

Prepaid Cards

Purchase Order Management

Purchasing & Receiving

Real-Time Analytics

Real-Time Data

Real-Time Monitoring

Real-Time Notifications

Real-Time Reporting

Real-Time Updates

Receipt Management

Reimbursement Management

Reminders

Reporting & Statistics

Rules-Based Workflow

Spend Analysis

Spend Control

Third-Party Integrations

Time & Expense Tracking

Transaction History

Workflow Management

Pleo

Android

Web-based

iPad

iPhone

Director of Delivery 

We have experienced some outages which can be inconvenient and even a bit embarrassing if the card gets declined when you're trying to use it.

Account Director

It's great for not having to complete expenses, great for junior members of staff not having to use their own money then claim it back. You can control and set limits which is great.

Finance Manager

I liked how easy it was to implement it. Very intuitive software with great design.

Office Manager

I would really recommend PLEO to other businesses. I think the  service is great, it was  easy to set up and easy to use overall.

Operations & Culture Manager

Ease of use for the user and for the finance team, integrates well with our accountancy software, intuitive and great to have holistic view of all transactions.

Head of Sales

The app is great and the one time I had to use customer service they were on it really quickly. It's saved me and my colleagues a lot of admin time.

Facilities Manager

I really like that it can be an app on your phone. It's great for people who travel for work because you can grab a coffee/lunch and take a photo of the receipt - no more paperwork.

Software Engineer

Seamless, nice to look at, always works and is easy to use.

Tour Guide

Dont need to worry about losing receipts. The photo opportunity presents itself as soon as a purchase is made and reminds you if you need to retake it.

It's so easy to use and fast to upload receipts. Our accountant love the integration to E-conomic.

Every start-up company who wants to run their accounting seriously, should use PLEO. It is worth of all the money and time you will save.

co-founder

I save time and dont have to worry about missing document for the employees or myself. Pleo is very simple to use and the.

Senior Solution Advisor

I save a huge amount of time and never have to cover my own expenses when traveling.

Chief Growth Officer

I'd struggle to suggest anything that I don't like about the software.

E-Commerce Manager

The clean overview of business expenses, and easy to use navigation of the app.

Head of Delivery (Operations)

Before I would have to pay and then claim it back, resulting in large admin and delays coming out of my pocket. Now it is all done through Pleo, whether it be online or in a shop.

Customer executive 

You have two separate cards for online and offline.

Furthermore, I have experienced several minor issues and each  time I have reached out for customer service  I have received excellent and attentive customer service.

Pleo screenshot: Overview and Dashboard

Pleo screenshot: Expense Review

Pleo screenshot: Subscription View

Pleo screenshot: Partner View

Pleo screenshot: Export View

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

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.

Spendesk is the smart way to manage your business spending. Flexible payments, approvals, expenses, invoices and accounting — all together for the first time.

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

Alerts/Notifications

Audit Trail

Automated Receipt Matching

Configurable Workflow

Credit Card Management

Document Management

Duplicate Payment Alert

Financial Management

Fraud Detection

Optical Character Recognition

Policy Management

Process/Workflow Automation

Recurring Payments

Secure Data Storage

Self Service Portal

Single Sign On

Moss

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.

Pleo vs Moss Comparison (2026)

Pleo

Moss

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives