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