Moss

Moss, run by Nufin GmbH in Berlin, is a spend management platform for small and mid-sized businesses in the UK and the EU. It combines three modules: Mastercard corporate cards, accounts payable, and employee reimbursements. Each can be bought alone or with the others. Cards come as unlimited physical or virtual cards, each with its own limits and controls. AI extracts receipt and invoice data and suggests pre-accounting entries. Accounts payable covers multi-step approvals, matching invoices to purchase orders, and scheduled supplier payments. Reimbursements are paid from the Moss balance or through a SEPA file. Paid add-ons cover advanced controlling and budgets, procurement with purchase orders, native ERP integrations, and AI-powered cost-centre and project attribution. Moss connects to more than 50 accounting and ERP systems, including Xero, QuickBooks, NetSuite, SAP and Dynamics 365. Native ERP sync costs extra. Pricing has no per-user charge. A free plan with Cards or AP allows up to 3 users and 20 invoices a month. Paid plans are quote-only: a platform fee for the modules you choose plus a variable fee based on monthly transaction volume. Moss is regulated by BaFin as an e-money institution and holds ISO 27001:2022 certification. It suits finance teams at growing European SMEs that want card, invoice and expense control in one tool. Its main limitation is that it is not an accounting system. It has no general ledger, invoicing to customers or payroll, so it has to sit alongside bookkeeping software, and you need a sales call to learn the real cost.