Features
- ✓Virtual cards
- ✓Physical cards
- ✓Receipt capture
- ✓Approval flows
Pros
- Great UX
- Startup-friendly
- Good integrations
- Berlin-based support
Cons
- Limited to DACH
- Credit limits can be restrictive
Integrations
Connection Types
4 known connections
Best For
About Moss
Moss has quickly become the go-to corporate card and expense management solution for German startups and growing tech companies. Based in Berlin, Moss understands the German market deeply—the platform integrates natively with German accounting software like lexoffice and sevDesk, and the team provides German-language support. What sets Moss apart is the combination of physical and virtual corporate cards with intelligent expense management. Employees can be issued cards with specific spending limits, categories can be pre-defined, and receipts are captured via mobile app. The approval workflow ensures managers maintain control while giving employees the autonomy to make necessary purchases. For startups especially, Moss solves the painful problem of managing company expenses across a growing team without the administrative overhead of traditional expense reports. The integration with accounting software means expenses flow automatically into your books, properly categorized and with attached receipts. Credit limits can be an initial challenge for very early-stage companies, but for businesses with some traction, Moss offers an elegant solution to corporate spending management.
Moss Pricing Plans
- Free: Up to 3 cards, basic features—for testing or very small teams
- Essentials (€99/mo): Up to 10 cards, accounting integrations, receipt capture
- Scale (€199/mo): Unlimited cards, advanced analytics, multi-entity support
- Enterprise (€399/mo): Custom limits, dedicated support, API access, SSO
German Accounting Integration
Moss integrates directly with lexoffice, sevDesk, and DATEV—a key advantage over international competitors. Transactions sync automatically with correct account assignments, attached receipts, and VAT extraction. Your Steuerberater receives export-ready data, and month-end reconciliation becomes significantly faster.
Moss Card Controls
- Spending limits: Per-card, per-day, or per-month limits
- Merchant categories: Block gambling, restrict to business categories
- Budget allocation: Assign cards to departments or projects
- Approval workflows: Manager approval for expenses over threshold
- Temporary increases: Quick limit adjustments for travel or events
Getting Credit Limits as a Startup
Moss bases credit limits on company financials and runway. Early-stage startups with limited revenue may receive conservative limits initially. Connect your bank accounts and accounting software to give Moss visibility into your financials—this typically enables higher limits. Post-funding, limits can be increased based on your new runway.
Moss for Distributed Teams
Remote and distributed teams benefit particularly from Moss. Issue virtual cards instantly to new employees anywhere in the EU. No need to collect and ship physical cards. Each team member can expense software subscriptions, travel, and supplies with proper controls—no more reimbursement requests or shared card numbers.
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