Europe's most widely adopted team expense card. Free plan for up to 3 users, fast setup, and the most employee-friendly interface in this category.
Visit Pleo →The most complete finance workflow platform: cards, accounts payable, reimbursements, budgets, and AI-powered accounting automation in one place.
Visit Moss →Pleo: Best if you want fast card issuing and a simple setup, and you do not yet need invoice or accounts-payable management.
Moss: Best if you need cards, invoices, reimbursements, and budgets in one system, and custom pricing with no free plan is not a dealbreaker.
| Feature | Pleo | Moss |
|---|---|---|
| Starting price | Free (3 users) | Custom pricing |
| Free plan | Yes | No |
| Physical cards | Yes | Yes |
| Virtual cards | Yes | Yes |
| Invoice management | Limited | Yes |
| Reimbursements | Yes | Yes |
| Accounting sync | Yes | Yes |
| Best for | Teams wanting card-first simplicity | Finance teams wanting one platform |
Pleo and Moss sit at different points of the same journey. Pleo is the lean starting point: cards, receipts, and nothing else to configure. Moss is the fuller platform: once supplier invoices and accounts-payable workflow become part of the job, Moss folds that in rather than requiring a second tool. Teams that just need employee cards should start with Pleo. Teams already running invoices through spreadsheets should skip straight to Moss.
See the full comparison table with all five platforms side by side.