Spendesk vs Moss

Qonto

Pleo

Pliant

finway

Candis

Mooncard

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

Mooncard is a business expense management platform for organizations of all sizes that automates the entire process, from payment to accounting. Key features include OCR, expense management, and more.

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.

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

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

Accounting

Accounting Integration

Accounts Payable

Accounts Receivable

Activity Tracking

Alerts/Notifications

Approval Process Control

Approval Workflow

Audit Trail

Bank Reconciliation

Billing & Invoicing

Budget Control

Budgeting/Forecasting

Cash Flow Management

Cash Management

Configurable Workflow

Corporate Card

Customer Statements

Dashboard

Data Import/Export

Data Security

Data Visualization

Debit/Credit Card Processing

Document Storage

Duplicate Detection

Duplicate Payment Alert

Electronic Funds Transfer

Electronic Payments

Enrollments/Onboarding

ERP integration

Expense Claims

Expense Tracking

Financial Analysis

Financial Management

Financial Reporting

Forecasting

Fraud Detection

General Ledger

In-Person Payments

Invoice Management

Invoice Processing

Mileage Tracking

Mobile Access

Mobile Receipt Upload

Multi-Currency

Online Payments

Optical Character Recognition

Order Management

Payment Processing

Payment Reconciliation

Prepaid Cards

Procurement Management

Purchase Order Management

Purchasing & Receiving

Real-Time Analytics

Real-Time Data

Real-Time Notifications

Real-Time Reporting

Real-Time Updates

Receipt Management

Receivables Ledger

Recurring/Subscription Billing

Reimbursement Management

Reminders

Reporting & Statistics

Reporting/Analytics

Requisition Management

Risk Management

Search/Filter

Single Sign On

Spend Analysis

Spend Control

Spend Management

Status Tracking

Subscription Management

Subscription Plan Management

Supplier Management

Third-Party Integrations

Time & Expense Tracking

Transaction History

Transaction Monitoring

Travel Management

Usage Tracking/Analytics

Vendor Management

Workflow Management

Spendesk

Android

Web-based

iPad

iPhone

Head accountant subsidiaries 

Spendesk customer support is one of the best I have seen. Very friendly and available at any time to help you.

Chief Technology Officer

It is not very obvious how to have a card that can be charged multiple times, but only as a single overall process.

Customer Success Manager

Simplicity is the key to brilliance and Spendesk is very easy.

Demand manager 

The app is intuitive and with a nice design, I liked that I didn’t used my own money because the company card was added to the app.

RevOps Specialist

Very easy to use for uploading receipts, its smart receipt detection and role-based access system are excellent.

CTO & Machine Learning Solutions Architect

I like it because it allows me to better control the employees in my area and issue cards whenever they are required in the currency that they require.

Director Business Planning

The customer support level is the best I've ever seen, and they are constantly adding new features and improving the existing ones.

Spendesk should have been live 5 ago to avoid past problems.

Team Leader

It's extremely easy to use, no time to waste. Spendesk can help a company to increase its effectiveness.

Accounting Manager

A Great Spend Management Solution For Business.

Co-founder - COO

Spendesk is very easy to use and at an affordable price point. Since it is cloud-based, I can access it from any computer, at home or the office.

Shopping Centre Portfolio Manager

It's great to make purchases and ideal that I need not use my own card for online payments.

Head of Service Operations

Easy to keep track of payments and receipts. More secure than using a normal card.

Director Of Engineering

Not enough visibility with spending per per category / missing analytics dashboard.

General Manager

Can integrate with accounting. All in all I think spendesk allows us to gain time and control over many administrative tasks, enabling us to focus more on our business.

The accounting integration (in Germany) was easy and straightforward.

The software, none till now, the card to pay cant be used in some places.

Product Designer

So easy and totally streamlines expensing things in my company now.

Spendesk screenshot: Spendesk is the 7-in-1 spending solution

Spendesk screenshot: Individual spending controls and approval thresholds

Spendesk screenshot: Adjust budgets based on live information

Spendesk screenshot: Make expense reimbursements right from Spendesk

Spendesk screenshot: Simplify your invoice management process

Spendesk screenshot: Define individual budgets on debit cards

Spendesk screenshot: Pre-approved virtual debit cards

Spendesk screenshot: Export Spendesk data to your accounting automation software

Spendesk screenshot: View consolidated spending reports in detail

Large Enterprises

Mid Size Business

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.

Automated invoice management for finance teams and suited for small and medium-sized businesses. Teams can upload, approve, and, export invoices with just a few clicks.

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

Activity Dashboard

Automated Receipt Matching

Categorization/Grouping

Compliance Management

Credit Card Management

Customizable Fields

Document Management

Policy Management

Process/Workflow Automation

Recurring Payments

Rules-Based Workflow

Secure Data Storage

Self Service Portal

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.

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.

Spendesk vs Moss Comparison (2026)

Spendesk

Moss

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives