The most complete finance workflow platform: cards, accounts payable, reimbursements, budgets, and AI-powered accounting automation in one place.
Visit Moss →Built for scale-up businesses with 60+ employees and complex ERP requirements. Integrates with NetSuite, SAP, and Microsoft Dynamics. Strong AP automation.
Visit Payhawk →Moss: Best if you want cards, invoices, reimbursements, and budgets consolidated into one workflow with AI-assisted accounting coding.
Payhawk: Best if you're already running NetSuite, SAP, or Microsoft Dynamics and need spend management that integrates directly with that ERP.
| Feature | Moss | Payhawk |
|---|---|---|
| Starting price | Custom pricing | Custom pricing |
| Free plan | No | No |
| Physical cards | Yes | Yes |
| Virtual cards | Yes | Yes |
| Invoice management | Yes | Yes |
| Reimbursements | Yes | Yes |
| Accounting sync | Yes | Yes |
| Best for | Finance teams wanting one platform | Scaling companies with complex ERP needs |
Moss and Payhawk both go beyond cards into full spend workflow, but they're built for different accounting stacks. Moss is oriented around DATEV and Xero and consolidates cards, invoices, reimbursements, and budgets with AI-assisted coding, a strong fit for finance teams retiring spreadsheets rather than running enterprise ERP. Payhawk is built for the ERP layer itself, with the deepest NetSuite, SAP, and Microsoft Dynamics integrations in this comparison, and handles multi-entity, multi-country structures Moss isn't aimed at. If your accounting stack is DATEV or Xero, Moss fits more naturally. If it's a full ERP system, Payhawk is the closer match.
See the full comparison table with all five platforms side by side.