No. 4 of 35 ·Expense Reimbursement Software

Moss

Web · Android · iPhone · API

Freedom report

Three barsScore 6.5

Free tierA free tier is on its own pricing page
Open codeNo open-source code on record
Runs widely3 of 6 device platforms
DocumentedPlans, terms and facts published

Moss is ranked #4 of 35 in expense reimbursement software on Freedom251. It runs on Android, API, iOS, Web. There is a free plan.

Moss plans and pricing

All plans

Free Plans Free up to 3 users · unlimited cards · up to 20 invoices per month · customisable approval and verification steps · debit-only Moss wallet getmoss.com · 1 Oct 2026

Paid Plans Not published unlimited users and cards · advanced approval flows and budget controls · accounting integrations and add-ons · HR software integrations · 1:1 onboarding support · debit or credit funding (eligibility applies) getmoss.com · 1 Oct 2026

Compared on expense reimbursement software

Free plan: Yes
Approval workflows: Yes

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The record

Product: Moss is a spend management platform for SMEs that combines corporate cards, accounts payable, reimbursements and accounting automation.
Spend controls: Moss supports card limits, merchant rules, approval chains, purchase requests and budget checks before spending occurs.
Corporate cards: Moss offers physical and virtual Mastercard corporate cards with real-time controls and unlimited virtual cards.
Expense capture: Employees can upload receipts through the Moss web and mobile app and add cost centres and VAT rates to transactions.
Integrations: Moss lists accounting integrations including Xero, Oracle NetSuite, QuickBooks Online, Microsoft Business Central, DATEV, AFAS, Exact, SAP Business One and others, plus HR, SSO and productivity integrations.
API: The Moss API lets authorised applications connect programmatically to Moss for custom integrations, automation, reporting and analytics.
Security: Moss states that it is ISO/IEC 27001:2022 certified, GDPR compliant and compliant with the Digital Operational Resilience Act, with multi-factor authentication, biometrics, four-eyes approvals and SSO.
Compliance: Moss says it is a BaFin-regulated financial institution operating under the PSD2 framework.
Support: Paid plans include 1:1 onboarding support, and Moss describes its customer service as best-in-class.
Contract terms: Moss says it is available on flexible contract terms and does not lock customers into a long contract.
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.
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.
Founded: 2019
Headquarters: Berlin, Germany
Price from: Free

Where it ranks on Freedom251

Best Expense Reimbursement Software in 2026#4 of 35
Best Spend Management Software in 2026#5 of 30
Best Corporate Card Software in 2026#6 of 23

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Sources

getmoss.com/faq· checked 1 Oct 2026
getmoss.com/en-gb/solutions/spend-management· checked 1 Oct 2026
getmoss.com/corporate-credit-card/virtual-credit-ca· checked 1 Oct 2026
getmoss.com/en-gb/faq· checked 1 Oct 2026
getmoss.com/en-gb/integrations· checked 1 Oct 2026
help.getmoss.com/en/articles/14595994-export-data-using-· checked 1 Oct 2026
getmoss.com/en-nl/security· checked 1 Oct 2026
getmoss.com/en-gb/pricing· checked 1 Oct 2026
getmoss.com/en-us/about-us· checked 1 Oct 2026
getmoss.com· checked 28 Sept 2026