Overview
Moss is a German spend management provider operated by Nufin GmbH; its platform is developed and hosted in Germany and its cards are issued by Moss GmbH, an e-money institution supervised by BaFin[17]. The company states that more than 7,500 EU businesses use it[17].
Customers choose from three modules, Corporate Cards, Employee Reimbursements and Accounts Payable, with add-ons for advanced controlling, procurement, ERP connectivity and AI-powered accounting[17]. Every package includes the platform and the card module. Paid plans include unlimited users and cards, advanced approval flows, budget controls, accounting and HR integrations, one-to-one onboarding and debit or credit funding subject to eligibility; companies can start free with cards or AP[17]. Moss lists more than 50 finance-tool integrations including Xero, QuickBooks, NetSuite and SAP[17].
Pricing combines a platform fee based on chosen modules with a variable fee tied to expected monthly transaction volume, and there is no per-user charge[17]. Exact prices are not published. Moss’s focus on DACH accounting conventions is an advantage in Germany and Austria but less relevant to US-centred buyers.
Moss features
- Corporate cards module included in all packages
- Employee reimbursements
- Accounts payable
- Procurement and controlling add-ons
- 50+ integrations incl. SAP and NetSuite
- Hosted in Germany
Moss pricing
Free start with Cards or AP; paid packages quote-based: platform fee by module plus variable fee on transaction volume; no per-user fee.
Moss strengths and limitations
Strengths
- No per-user charges
- Data hosted in Germany
- Free entry point
Limitations
- Paid prices not published
- Transaction-volume fee adds variability
- EU focus only
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