MOCO vs Stripe (2026): Pricing, Features & Verdict
Stripe is our pick, scoring 7.6/10 against 6.7/10 for MOCO on our Finance Software criteria. Its biggest advantage: higher Scalability score (9/10 vs 5/10). Neither MOCO nor Stripe lists a free plan.
Last updated: November 2026
MOCO
6.7/10
Swiss agency ERP that ties time tracking, project controlling, quotes, invoicing and incoming invoices together for agencies, consultancies and IT service firms.
Stripe
7.6/10
Stripe is a payments platform for online and in-person card payments, invoicing, subscription billing and sales tax, for businesses from startups to enterprises.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.7/10 | 7.6/10 |
| Scalability | 5/10 | 9/10 |
| Analytics | 6/10 | 6/10 |
| Compliance | 7/10 | 9/10 |
| Integration | 7/10 | 9/10 |
| Security | 7/10 | 9/10 |
| Support | 8/10 | 4/10 |
| Cost | 6/10 | 5/10 |
| Customization | 5/10 | 9/10 |
| Ease of Use | 8/10 | 7/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €15/user/mo Core | Contact for pricing |
| Estimated cost for 10 users | €150/mo Core | Contact for pricing |
| Features | ||
| Invoicing | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
| Audit Trail | Not listed | |
| Bank Reconciliation | Not listed | |
| Budgeting and Forecasting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Multi-currency | Not listed | |
| Online Payments | Not listed | |
MOCO vs Stripe cost by team size
| Team size | MOCO | Stripe |
|---|---|---|
| 1 user | €15/moCore | Contact for pricing |
| 5 users | €75/moCore | Contact for pricing |
| 10 users | €150/moCore | Contact for pricing |
| 25 users | €375/moCore | Contact for pricing |
| 50 users | €750/moCore | Contact for pricing |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Who MOCO and Stripe suit
Stripe fits enterprise better than MOCO.
| Audience | MOCO | Stripe |
|---|---|---|
| Enterprise | 3/10It is aimed at firms of up to about 150 employees. | 7/10It has SAML SSO, SCIM, SOC reports and custom pricing, but account-risk complaints apply at every size. |
| Small Business | 7/10Core at 15 EUR per user suits small teams, but solo users find it expensive. | 6/10Pay-as-you-go pricing helps, but customization needs developer skills and there is no full POS. |
| Agencies | 10/10It is built specifically as agency software, with time-to-invoice workflows. | Not rated |
| Consultancies | 9/10Billing from booked hours and profitability tracking suit consulting firms. | Not rated |
| Developers | Not rated | 10/10Reviewers and NerdWallet credit Stripe's open APIs, SDKs and documentation. |
| E-commerce | Not rated | 8/10NerdWallet rates it best for online and global sellers that want customizable checkout. |
| Freelancers | 4/10Reviewers say the price is high for one person, and there is no free plan. | Not rated |
| SaaS Companies | Not rated | 9/10Subscription billing, usage-based billing and invoicing are core Stripe products. |
| Startups | Not rated | 8/10There is no monthly fee or contract, and Atlas helps founders incorporate a US company. |
Which One Should You Choose?
Why choose MOCO
- Higher Support score (8/10 vs 4/10)
- Higher Cost score (6/10 vs 5/10)
Why choose Stripe
- Higher Scalability score (9/10 vs 5/10)
- Higher Customization score (9/10 vs 5/10)
- Better fit for enterprise (7/10 vs 3/10)
Pros & Cons
MOCO
Pros
- Time tracking, project budgets and invoicing sit in one system, so billable hours flow straight to invoices.
- DATEV export is included even in the cheapest Core plan, which helps German tax-advisor handovers.
- OMR reviewers rate it 4.7 out of 5 from about 240 reviews, with high marks for usability and support.
- Data is hosted in Switzerland with EU options, and backups are encrypted.
- A 30-day trial needs no payment details and does not convert to a paid plan automatically.
Cons
- There is no general ledger: bookkeeping is limited to preparation for DATEV or an accountant.
- The CRM and leads features are basic, with no full sales pipeline.
- The mobile app mainly covers time tracking.
- Report customization is limited, and some reviewers want better bank reconciliation.
- There is no free plan, and Unlimited requires a high minimum number of users.
Stripe
Pros
- Open APIs, SDKs and documentation that G2 reviewers praise, which let developers build fully custom checkout and billing flows.
- No monthly fee, setup fee or termination fee for standard payments.
- Audited to PCI Service Provider Level 1, with annual SOC 1 and SOC 2 Type II reports and a public SOC 3.
- Invoicing, subscriptions, usage-based billing, tax and fraud tools are all available under one account.
- Accepts payments in more than 135 currencies, which suits global sellers.
Cons
- Users on Trustpilot and BBB report automated account freezes and fund holds; BBB lists over 1,400 complaints in three years.
- G2 reviewers most often complain about high fees, and add-ons such as Billing, Tax and Radar stack on top of card fees.
- Support runs through email and chat rather than a direct phone line, and reviewers report slow responses during account holds.
- Customization needs coding skills, and it is not a full accounting or general ledger system.
Not sold on either?
Frequently Asked Questions
Stripe scores higher on our Finance Software criteria: 7.6/10 against 6.7/10 for MOCO. The largest gap is in Customization: 5/10 for MOCO and 9/10 for Stripe.
No, neither MOCO nor Stripe lists a free plan.
Stripe is the better fit for enterprise: we rate it 7/10 for them, against 3/10 for MOCO.
