Comparison
Moss vs Ramp
A side-by-side look at Moss and Ramp — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
Moss
The smart way to manage company spend.
Moss is a German spend management platform offering credit cards, invoice management, employee reimbursements and pre-accounting — focused on DACH and broader European SMBs.
Ramp
Corporate cards + spend management that saves you money.
Ramp is a finance automation platform that combines corporate cards, bill pay, expense management, accounting automation and procurement — with AI that actively surfaces savings.
Side-by-side
| Spec | Moss | Ramp |
|---|---|---|
| Tagline | The smart way to manage company spend. | Corporate cards + spend management that saves you money. |
| Headquarters | Berlin, Germany | New York, USA |
| Founded | 2019 | 2019 |
| Regions | EU, UK | US |
| Card type | Visa credit | Charge card |
| Pricing | Custom pricing; Starter tier from €0 for small teams. | Free core platform; Ramp Plus $15/user/mo; Enterprise custom. |
| Rewards | Cashback on annual plans. | 1.5% cashback on all purchases. |
| Best for | DACH SMBs, Mid-market, Companies on Datev | SMBs, Mid-market, Finance teams obsessed with control |
| Integrations | Datev, Xero, Sage, QuickBooks | NetSuite, QuickBooks, Xero, Sage Intacct, Microsoft Dynamics |
Moss: pros & cons
- True credit product in EU
- Strong Datev integration
- Fast underwriting
- Smaller geographic reach than Pleo
- Credit only in select markets
Ramp: pros & cons
- Fastest-growing fintech in the US
- Generous free tier
- Aggressive product velocity
- US-only issuance
- Limited international rails