Moss vs Pleo
Moss
Mid-sized businesses in Europe
2019; Berlin, Germany
Pleo
Businesses across Europe, from small teams (1–49 employees) to enterprises (1,000+)
2015; Copenhagen, Denmark
Moss and Pleo both sell company cards and spend management to businesses in Europe.
Moss, founded in Berlin in 2019, combines cards, accounts payable, reimbursements and procurement for mid-sized businesses and has 7,500+ customers; Pleo, founded in Copenhagen in 2015, serves 40,000+ companies across Europe, from small teams to enterprises.
Moss vs Pleo: side by side
“Not published” means the vendor does not state it.
| Moss | Pleo | |
|---|---|---|
| What it does | Corporate cards, accounts payable, employee reimbursements, procurement and purchase controls, with AI pre-accounting and Moss Accounting to prepare the close | Company cards, expense management, reimbursements, bill payments and automatic sync to accounting software |
| Best for | Mid-sized businesses in Europe | Businesses across Europe, from small teams (1–49 employees) to enterprises (1,000+) |
| Founded and HQ | 2019; Berlin, Germany | 2015; Copenhagen, Denmark |
| Ownership and funding | Venture-backed; EUR 35m Series C (Aug 2026) led by Portage with Cherry Ventures, at a EUR 1bn valuation; over EUR 200m raised in total | Not published |
| Customers or users | 7,500+ businesses across Europe; EUR 7bn in annual spend processed | 40,000+ companies across Europe |
| Pricing | Free plans for Cards or Accounts Payable; paid plans priced per module and add-on plus a fee based on transaction volume, with unlimited users | UK: Start £8 per user a month (billed monthly); Build £14 and Optimise £18 per user a month (billed yearly) |
| Deployment and markets | Germany, the Netherlands, the UK and other EU markets; data hosted in the EU; regulated by BaFin as an e-money institution | 16 European countries; HQ in Copenhagen with offices in London, Berlin, Stockholm, Madrid, Lisbon, Paris, Amsterdam and Chennai |
Main differences
Pleo charges per user, from £8 a month on Start to £18 on Optimise in the UK; Moss charges a platform fee for the modules chosen plus a fee based on transaction volume, with unlimited users.
Moss adds procurement, purchase orders and AI pre-accounting that prepares the close; Pleo covers cards, expenses, reimbursements, bill payments and accounting sync.
Pleo has 40,000+ companies; Moss has 7,500+ businesses and processes EUR 7bn of spend a year.
Pleo operates in 16 European countries; Moss operates in Germany, the Netherlands, the UK and other EU markets, with its data hosted in the EU.
Which to choose
Choose Moss if
- You want procurement, purchase orders and AI pre-accounting alongside cards and invoices, or pricing that does not rise with the number of users
Choose Pleo if
- You are a small or growing team and want a published per-user price
Compare further
Common questions
What is the difference between Moss and Pleo?+
Moss combines corporate cards, accounts payable, employee reimbursements, procurement and purchase controls, with AI pre-accounting and a module that prepares the close. Pleo provides company cards, expense management, reimbursements, bill payments and automatic sync to accounting software.
How much do Moss and Pleo cost?+
Pleo's UK plans cost £8 per user a month on Start, billed monthly, and £14 on Build or £18 on Optimise, billed yearly. Moss has free plans for cards or accounts payable; its paid plans combine a platform fee for the modules chosen with a fee based on monthly transaction volume, with no charge per user.
Where do Moss and Pleo operate?+
Pleo operates in 16 European countries, with its headquarters in Copenhagen. Moss is based in Berlin and operates in Germany, the Netherlands, the UK and other EU markets, with its data hosted in the EU.
Part of Accountio’s accounting technology coverage.
