Comparison
Pleo vs Moss
A side-by-side look at Pleo and Moss — pricing, regions, integrations, pros and cons. Use The AI Recommends if you'd rather have an AI pick for you.
Pleo
Smart company cards for European teams.
Pleo is Europe's leading spend management platform, pairing physical and virtual cards with automated expense reports, invoice management and accounting integrations across 30+ EU/UK markets.
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.
Side-by-side
| Spec | Pleo | Moss |
|---|---|---|
| Tagline | Smart company cards for European teams. | The smart way to manage company spend. |
| Headquarters | Copenhagen, Denmark | Berlin, Germany |
| Founded | 2015 | 2019 |
| Regions | EU, UK | EU, UK |
| Card type | Prepaid + credit (market dependent) | Visa credit |
| Pricing | Starter free up to 3 users; Essential €45/mo; Advanced €89/mo; Beyond custom. | Custom pricing; Starter tier from €0 for small teams. |
| Rewards | 1% cashback on Advanced+ in select markets. | Cashback on annual plans. |
| Best for | European SMBs, Distributed teams, Companies using Xero/QuickBooks EU | DACH SMBs, Mid-market, Companies on Datev |
| Integrations | Xero, QuickBooks, Sage, Datev, Economic, Visma | Datev, Xero, Sage, QuickBooks |
Pleo: pros & cons
- Strong European footprint
- Best-in-class UX
- Local accounting integrations
- Per-user pricing adds up
- Limited US presence
Moss: pros & cons
- True credit product in EU
- Strong Datev integration
- Fast underwriting
- Smaller geographic reach than Pleo
- Credit only in select markets