Pleo vs Moss
Pleo and Moss both issue company cards and automate expense and invoice handling for European finance teams. Pleo, from Copenhagen, publishes per-user plan prices. Moss, from Berlin, offers unlimited users and cards and builds a quote from the modules you choose. The difference is mostly how you pay for it and how large the company is.
Choose Pleo if
you want per-user prices you can read before talking to anyone, with a small team starting on a monthly plan.
Read the Pleo reviewChoose Moss if
you have many employees who need cards or receipts, and prefer unlimited users with a quote built from the modules you select.
Read the Moss reviewPleo and Moss side by side
| Pleo | Moss | |
|---|---|---|
| Company | Pleo | Moss |
| Headquarters | Copenhagen, Denmark | Berlin, Germany |
| Jurisdiction | EU (Denmark) | EU (Germany) |
| Pricing | Per active user, per month | Per user, per month |
| Entry-level list price (vendor site, checked 13 November 2026) | Start £8, Build £14, Optimise £18 per user per month as shown to us (Start billed monthly; Build and Optimise billed yearly, 3 users minimum); the page showed pounds, so euro amounts may differ. | No list price: modular pricing by modules, add-ons and transaction volume, unlimited users and cards, free start with Cards or Accounts Payable (Moss pricing page). |
| Free tier or trial | Demo on request | Demo on request |
| Source code | Closed source | Closed source |
| Usually replaces | Expensify, Ramp, Brex, SAP Concur | Expensify, Ramp, SAP Concur |
| Position in our Expense Management guide | #1 of 15 | #3 of 15 |
Both are listed in our European Expense Management guide. The table is built from the same directory data as those entries, except the list price, which is quoted from each vendor's own pricing page (see Sources below); how we check it is described in the editorial process.
Where Pleo and Moss differ
Across the five points below, Pleo has the edge on 2 points, Moss on 2 points and one is a tie. A count like that is a summary, not a verdict: the point that matters to you may be the one the other product wins.
Pricing model
Pleo's pricing page lists Start, Build and Optimise per user per month; the page served to us showed pounds (£8, £14, £18), with Start billed monthly and the other two billed yearly with a three-user minimum. Moss's pricing page lists no figures: it says plans are modular, based on the modules, add-ons and transaction volume, with unlimited users and cards. Pleo is easier to price in advance.
Edge: Pleo
Cost as the team grows
Because Pleo charges per user, headcount drives the bill, although it lists reimbursement-only users as a separate line on the paid plans. Moss says unlimited users and cards are included on paid plans, so adding people does not raise the subscription. That favours a company where many staff submit the odd receipt, though the module and volume terms stay unpublished.
Edge: Moss
Entry plan and free option
Moss's pricing page says you can start free with Cards or Accounts Payable. Pleo's smallest plan, Start, is paid per user (£8 on the page we saw), allows one admin and one vendor card, and has a Try for free button. Moss has the lower barrier for trying out one module.
Edge: Moss
Card and spend controls
Pleo's Optimise plan includes budgets, up to 50 vendor cards, cashback for eligible customers and AI expense review, with credit limits of up to £100,000 for eligible customers. Moss lists approval flows and budget controls on its paid plans and sells Advanced Controlling and Procurement as add-ons. Pleo shows more of its limits on the page.
Edge: Pleo
Regulator and issuer
Moss's imprint names Moss GmbH, Berlin, as a BaFin-authorised e-money institution issuing the cards, with Nufin GmbH running the platform. Pleo's footer names Pleo Technologies A/S in Copenhagen, with Pleo Financial Services UK Ltd authorised by the FCA. Both are European legal entities, so this round does not separate them.
No clear winner on this point.
When neither Pleo nor Moss fits
If neither fits, Spendesk, Payhawk and Candis are also in the expense management category.
Pleo vs Moss: questions
Pleo's page lists Start, Build and Optimise per user per month. The page served to us showed £8, £14 and £18, and Pleo's page says Start is billed monthly while Build and Optimise are billed yearly with a three-user minimum.
Moss shows no list price. Its pricing page says the price depends on the modules and add-ons you choose and on transaction volume, and it offers a free start with Cards or Accounts Payable.
Moss's imprint says Moss GmbH issues Moss Cards under a Mastercard licence. Pleo's footer says its card is issued under a licence from Mastercard, with Pleo Financial Services UK Ltd authorised by the FCA.
Moss's pricing page lists unlimited users and cards on its paid plans.
Sources
Facts, prices and plan details on this page were checked on the vendors' own websites on . Prices and plans change; the vendor's current page is authoritative.
- Pleo pricing page: Start, Build and Optimise per-user prices, features and fees (checked 13 November 2026)
- Pleo legal page: Pleo Technologies A/S, Copenhagen, and FCA-authorised UK entity (checked 13 November 2026)
- Moss pricing page: Modular pricing, unlimited users, free start options (checked 13 November 2026)
- Moss imprint: Nufin GmbH and Moss GmbH, Berlin, BaFin e-money licence (checked 13 November 2026)