Moss vs Payhawk (2026): Pricing, Features & Verdict
Moss is our pick, scoring 7.4/10 against 7.1/10 for Payhawk on our Finance Software criteria. Its biggest advantage: higher Support score (7/10 vs 5/10). Only Moss has a free plan.
Last updated: November 2026
Moss
7.4/10
Moss is a Berlin-based spend management platform for European SMEs that combines corporate cards, accounts payable and employee reimbursements, and syncs with accounting software.
Payhawk
7.1/10
Payhawk is a modular spend management platform combining Visa corporate cards, expense claims, accounts payable, procurement and travel booking for mid-sized and multi-entity companies.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 7.4/10 | 7.1/10 |
| Scalability | 7/10 | 8/10 |
| Analytics | 6/10 | 5/10 |
| Compliance | 8/10 | 8/10 |
| Integration | 8/10 | 9/10 |
| Security | 8/10 | 8/10 |
| Support | 7/10 | 5/10 |
| Cost | 6/10 | 4/10 |
| Customization | 7/10 | 7/10 |
| Ease of Use | 8/10 | 8/10 |
| Pricing | ||
| Free plan | Yes | No |
| Cheapest paid plan | Contact for pricing | £149/mo Growth programme (UK/EEA) |
| Estimated cost for 10 users | Contact for pricing | £149/mo Growth programme (UK/EEA) |
| Features | ||
| Accountant Access | ||
| Accounts Payable | ||
| Corporate Cards | ||
| Expense Management | ||
| Multi-currency | ||
| Budgeting and Forecasting | Not listed | |
| General Ledger | Not listed | |
| Multi-entity Consolidation | Not listed | |
| Payroll | ||
| Tax Compliance | Not listed | |
Moss vs Payhawk cost by team size
| Team size | Moss | Payhawk |
|---|---|---|
| 1 user | FreeFree | £149/moGrowth programme (UK/EEA) |
| 5 users | Contact for pricing | £149/moGrowth programme (UK/EEA) |
| 10 users | Contact for pricing | £149/moGrowth programme (UK/EEA) |
| 25 users | Contact for pricing | $299/moTravel |
| 50 users | Contact for pricing | $299/moTravel |
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 Moss and Payhawk suit
Moss fits small business and startups better; Payhawk fits enterprise better.
| Audience | Moss | Payhawk |
|---|---|---|
| Small Business | 8/10The free plan and no per-user fees suit European SMEs, which make up Moss's stated customer base. | 4/10There is a discounted Growth programme for UK and EEA firms under 10 staff, but it is capped and reviewers say the cost is high for small companies. |
| Enterprise | 5/10ExpertSure judges it a weaker fit for large enterprises with complex procurement. | 7/10It offers SAP, Oracle and Workday connectors, SSO, and PO matching, but very large enterprises may still need deeper procurement suites. |
| Startups | 7/10Teams can start free with cards or AP, though paid pricing is quote-based. | 5/10The Growth plan and unlimited employee seats help, but annual contracts and the price floor are less startup-friendly than freemium rivals. |
| Mid-Market | 8/10Procurement, ERP add-ons and unlimited users fit growing mid-sized companies. | 9/10Module pricing from several hundred dollars a month, plus multi-entity add-ons, targets companies that have outgrown simple expense apps. |
| Finance Teams | 9/10Approval flows, AI pre-accounting and ERP sync are built for finance teams closing the books faster. | 9/10It is built for controllers and CFO teams that need card controls, AP approvals and ERP sync in one place. |
| Freelancers | 3/10Reviews say it is a poor fit for sole traders. | Not rated |
Which One Should You Choose?
Why choose Moss
- Has a free plan (Payhawk does not)
- Higher Support score (7/10 vs 5/10)
- Higher Cost score (6/10 vs 4/10)
- Better fit for small business (8/10 vs 4/10)
- Better fit for startups (7/10 vs 5/10)
Why choose Payhawk
- Higher Scalability score (8/10 vs 7/10)
- Higher Integration score (9/10 vs 8/10)
- Better fit for enterprise (7/10 vs 5/10)
Pros & Cons
Moss
Pros
- There are no per-user fees and cards are unlimited, so costs do not grow with headcount.
- The free plan lets teams of up to 3 users try Cards or AP before paying.
- Cards, accounts payable and reimbursements share one review queue and approval engine.
- Strong regulatory standing: a BaFin e-money licence, ISO 27001:2022 certification, DORA compliance and EU data hosting in Frankfurt.
- Highly rated by users: about 4.9/5 from more than 230 reviews on Capterra and Software Advice.
Cons
- Paid pricing is quote-only, so you cannot compare costs without a sales call.
- Native ERP sync for NetSuite, SAP or Dynamics 365 is a paid add-on, and SAP ECC is covered only by CSV export.
- The free plan's cap of 20 invoices a month is quickly outgrown.
- It is not a full accounting system: there is no general ledger, customer invoicing or payroll.
- Available only in the UK and the EU.
Payhawk
Pros
- Unlimited employee seats, card transactions and document processing in every module, so costs do not scale per employee.
- Very broad native integration list, covering NetSuite, Sage Intacct, SAP, Dynamics, Xero, QuickBooks, DATEV and 30+ HR systems, plus a partner API and MCP connector.
- Strong for multi-entity European groups, with regulated card issuing entities in the EEA, UK and US and balances in six currencies.
- AP module includes 2- and 3-way PO matching, segregation-of-duties controls, and e-invoicing support for Peppol, KSeF, SDI and Finvoice.
- Reviewers often say employees find receipt capture and expense submission in the mobile app quick and easy.
Cons
- Trustpilot (2.8/5) and some G2 reviews describe mid-contract price increases, automatic renewals and difficult cancellations.
- Several reviewers report slow or AI-first support, with replies taking days or weeks.
- Annual pricing, unit fees for admin seats and cards, and add-on prices are not published, so you have to get a quote.
- Initial setup of workflows, custom fields and integrations is described as complex, and some reviewers note sync errors with Xero and with foreign currency refunds.
- It is not a general ledger or payroll system, so it needs a separate ERP or accounting package.
Not sold on either?
Frequently Asked Questions
Moss scores higher on our Finance Software criteria: 7.4/10 against 7.1/10 for Payhawk. The largest gap is in Cost: 6/10 for Moss and 4/10 for Payhawk.
Moss has a free plan; Payhawk does not list one.
Moss is the better fit for small business: we rate it 8/10 for them, against 4/10 for Payhawk.
