Moss vs Payhawk
Moss
Mid-sized businesses in Europe
2019; Berlin, Germany
Payhawk
Mid-market and enterprise companies managing spend across teams, entities and borders
2018; London
Moss and Payhawk both sell corporate cards, expenses, accounts payable and procurement to European companies.
Moss, founded in Berlin in 2019, serves 7,500+ mid-sized businesses across Europe and adds AI pre-accounting and close preparation; Payhawk, founded in London in 2018, adds travel and global payments for 6,000+ mid-market and enterprise companies.
Moss vs Payhawk: side by side
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| Moss | Payhawk | |
|---|---|---|
| What it does | Corporate cards, accounts payable, employee reimbursements, procurement and purchase controls, with AI pre-accounting and Moss Accounting to prepare the close | Corporate cards, expenses, travel, accounts payable and procurement in one platform, with AI agents and global payments |
| Best for | Mid-sized businesses in Europe | Mid-market and enterprise companies managing spend across teams, entities and borders |
| Founded and HQ | 2019; Berlin, Germany | 2018; London |
| 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 | Investors include Greenoaks, QED, Bek Ventures, Eleven Ventures and Lightspeed |
| Customers or users | 7,500+ businesses across Europe; EUR 7bn in annual spend processed | 6,000+ companies, including DPD, Gymshark, Vinted, Leica, Five Guys and Babbel |
| 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 | Priced by module; US prices start at US$299 a month (Travel), US$349 (Accounts Payable), US$449 (Cards & Expenses) and US$499 (Procurement); Payhawk Complete on quote |
| 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 | Customers in 33+ countries; 150+ countries and 115 currencies supported; offices across Europe and the US |
Main differences
Moss is built for mid-sized businesses in Europe; Payhawk serves mid-market and enterprise companies managing spend across teams, entities and borders.
Moss has free plans for Cards or Accounts Payable, with paid modules and a volume-based fee; Payhawk prices by module, with US prices from US$299 a month.
Payhawk includes travel; Moss includes Moss Accounting to prepare the close.
Moss serves Germany, the Netherlands, the UK and other EU markets, with data hosted in the EU; Payhawk has customers in 33+ countries and supports 150+ countries and 115 currencies.
Which to choose
Choose Moss if
- You want a free entry plan, EU-hosted data or help preparing the month-end close
Choose Payhawk if
- You need travel alongside cards and payables, or spend control across many countries and currencies
Compare further
Common questions
What is the difference between Moss and Payhawk?+
Moss provides corporate cards, accounts payable, employee reimbursements, procurement and purchase controls, with AI pre-accounting and Moss Accounting to prepare the close. Payhawk combines corporate cards, expenses, travel, accounts payable and procurement in one platform, with AI agents and global payments.
How much do Moss and Payhawk cost?+
Moss has free plans for Cards or Accounts Payable; paid plans are priced per module and add-on plus a fee based on transaction volume, with unlimited users. Payhawk prices by module, with US prices starting at US$299 a month for Travel, US$349 for Accounts Payable, US$449 for Cards & Expenses and US$499 for Procurement.
Who backs Moss and Payhawk?+
Moss raised a EUR 35m Series C in August 2026 led by Portage at a EUR 1bn valuation, and has raised over EUR 200m in total. Payhawk's investors include Greenoaks, QED, Bek Ventures, Eleven Ventures and Lightspeed.
Part of Accountio’s accounting technology coverage.
