Moss
Berlin, Germany
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, merchant rules, approval chains, purchase requests, and budget checks before spending. Employees can upload receipts through the web or mobile app and add cost centres and VAT rates to transactions. Moss offers physical and virtual Mastercard corporate cards, including unlimited virtual cards with real-time controls. Its accounting integrations include Xero, Oracle NetSuite, QuickBooks Online, Microsoft Business Central, DATEV, AFAS, Exact, and SAP Business One, along with HR, SSO, and productivity integrations. An API supports custom integrations, automation, reporting, and analytics. The free plan is free and permits up to 3 users, unlimited cards, and up to 20 invoices monthly; its Moss wallet is debit-only. Paid plans include unlimited users and cards, advanced workflows and budget controls, integrations, onboarding support, and debit or credit funding subject to eligibility. Moss says it is ISO/IEC 27001:2022 certified, GDPR compliant, and compliant with the Digital Operational Resilience Act. It also describes itself as a BaFin-regulated financial institution operating under PSD2.
For and against
For
- Card and budget controls can apply before spending.
- Physical and virtual Mastercard cards are available.
- Free plan includes unlimited cards.
- Mobile app supports receipt uploads.
Against
- Free plan is limited to 3 users.
- Free plan allows up to 20 invoices monthly.
- Credit funding depends on eligibility.
The verdict
Moss combines payment controls with expense capture and accounting connections.
Who it suits
Moss suits SMEs seeking to manage employee spending, bills, reimbursements, and accounting processes in one platform. It may fit teams that need spending controls and integrations with accounting or HR software.
Plans and prices
Moss Starter
up to 3 users · unlimited cards · up to 20 invoices/month · Moss Wallet debit-only
Read 15 Oct 2026 · getmoss.com
Free Plans
up to 3 users · unlimited cards · up to 20 invoices per month · customisable approval and verification steps
Read 1 Oct 2026 · getmoss.com
Paid Moss Platform
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
unlimited users and cards · advanced approval flows and budget controls · accounting integrations and add-ons · HR software integrations
Read 1 Oct 2026 · getmoss.com
On the record
- Accounts payable
- Accounts-payable workflows capture invoices, match purchase orders, route approvals and schedule payments.getmoss.com · read 15 Oct 2026
- API
- The Moss API lets authorised applications connect programmatically to Moss for custom integrations, automation, reporting and analytics.help.getmoss.com · read 1 Oct 2026
- 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.developers.getmoss.com · read 15 Oct 2026
- 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.developers.getmoss.com · read 15 Oct 2026
- 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.help.getmoss.com · read 15 Oct 2026
- 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.help.getmoss.com · read 15 Oct 2026
- Company legal identity
- The platform and website identify Nufin GmbH as the legal operator, registered in Berlin, Germany.getmoss.com · read 15 Oct 2026
- 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.getmoss.com · read 1 Oct 2026
- Compliance
- Moss says it is a BaFin-regulated financial institution operating under the PSD2 framework.getmoss.com · read 1 Oct 2026
- Contract terms
- Moss says it is available on flexible contract terms and does not lock customers into a long contract.getmoss.com · read 1 Oct 2026
- Corporate cards
- The platform provides physical and virtual cards with limits, merchant controls, approval rules and real-time spend visibility.getmoss.com · read 15 Oct 2026
- 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.getmoss.com · read 1 Oct 2026
- Expense capture
- Employees can upload receipts through the Moss web and mobile app and add cost centres and VAT rates to transactions.getmoss.com · read 1 Oct 2026
- 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.getmoss.com · read 15 Oct 2026
- Google Play listing
- The Android listing shows 10K+ downloads, but the opened page does not display a numeric rating or review count.play.google.com · read 15 Oct 2026
- Headquarters and size
- Moss lists Saarbrücker Str. 37a, 10405 Berlin as its headquarters and says it has more than 300 employees across six offices.getmoss.com · read 15 Oct 2026
- 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.report.at · read 15 Oct 2026
- Integrations
- Moss lists accounting, ERP, HR, travel, identity and productivity connections including DATEV, Xero, NetSuite, QuickBooks, Personio, Deel, Google Workspace, Azure and Okta.getmoss.com · read 15 Oct 2026
