--- title: "Compare Spendwise vs Moss 2026 | Capterra" description: "Unsure of what to choose? Check Capterra to compare Spendwise and Moss based on pricing, features, product details, and verified reviews." source_url: "https://www.capterra.com/compare/141589-211744/Officewise-vs-getmoss" page_type: "comparison" language: "en" --- # Spendwise vs Moss Features and Cost Comparison Last updated September 16th, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: SpendwiseMoss2/4 selected [Spendwise](https://www.capterra.com/p/141589/Officewise/)[4.6 (236)](https://www.capterra.com/p/141589/Officewise/reviews/) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.9 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) [## Spendwise](https://www.capterra.com/p/141589/Officewise/)[4.6 (236)](https://www.capterra.com/p/141589/Officewise/reviews/) Starting Price $9.00/month Value-for-Money 4.5 Functionality 4.4 Ease of Use 4.5 Customer Service 4.5 Reviews Sentiment WB KJ Based on [236 reviews](#user-reviews) Positive 219 Neutral 15 Negative 2 [## Moss](https://www.capterra.com/p/211744/getmoss/)[4.9 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) Starting Price Contact vendor Value-for-Money 4.6 Functionality 4.8 Ease of Use 4.9 Customer Service 4.7 Reviews Sentiment Based on [234 reviews](#user-reviews) Positive 232 Neutral 2 Negative 0 ## Not a match? Find software alternatives tailored to your priorities. These software suggestions are similar to those you’re currently comparing. Highest Rated ### Rippling 4.9 (4,881) * * * Starting Price CA$8.00 Per User,Per Month Free Trial Free Version * * * User rating 98% of reviewers rated it above 4 stars * * * ### Sage Intacct 4.3 (717) * * * Starting Price Contact vendor for pricing Free Trial Free Version * * * User rating 86% of reviewers rated it above 4 stars * * * ### SAP Concur 4.3 (2,261) * * * Starting Price $7.00 Usage Based,Per Month Free Trial Free Version * * * User rating 86% of reviewers rated it above 4 stars * * * ### Sage X3 4.4 (147) * * * Starting Price Contact vendor for pricing Free Trial Free Version * * * User rating 93% of reviewers rated it above 4 stars * * * ## Summary * * * Key features rated by users Features selected based on 2,422 reviews from spend management software users. about the Fit Score methodology. Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 83%Fit Not enough reviews Feature ratings Expense Tracking 4.7 Approval Workflow 5.0 Multi-Currency 4.5 Budgeting/Forecasting 4.6 Approval Process Control 5.0 83%Fit High performer Feature ratings Expense Tracking 4.8 Approval Workflow 4.8 Multi-Currency 4.6 Budgeting/Forecasting 4.3 Approval Process Control 4.8 User satisfaction User satisfaction 4.6 User reviews[236](https://www.capterra.com/p/141589/Officewise/reviews/) Ease of use 4.5 Functionality 4.4 Value for money 4.5 Customer support 4.5 User satisfaction 4.9 User reviews[234](https://www.capterra.com/p/211744/getmoss/reviews/) Ease of use 4.9 Functionality 4.8 Value for money 4.6 Customer support 4.7 Price starts from Price starts from $9Per User, Per Month - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for Spendwise is used by financial controllers, purchasing departments, budget managers, accounts payable teams, and organizations needing spend management. Best for From fledgling startups to established companies, Moss is the platform of choice for Europe's fastest growing businesses, including brands like Florence, Fatsoma, Pho, Pizza Pilgrims, and Beauhurst. ## User reviews Pros & cons Not enough reviews VR Verified Reviewer Project and IT Manager > "It’s also a good tool for managing recurring software payments, making expense management and payment processing much easier. And it's..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7018827) Charlotte P. Head of Finance > "There have been a few minor glitches along the way (the odd card payment which hasn't worked, an expense submission which has got frozen)..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7112020) SP Stefan P. FC > "The spend management platform is very helpful in our business for Approval flows, audit trails, reimbursements and the creation of cards..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7045185) LU Luka U. Atlassian Consultant > "Nothing major comes to my mind. Except once the transaction was declined in my home country continuously, possibly as the processing..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7020190) VR Verified Reviewer Principal Industrial Designer > "It’s significantly better than traditional methods of collecting and managing receipts, and it’s helped streamline our expense processes..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7128718) EP Erik P. Robotics Engineer > "The only real downside I remember facing was the uploading of multiple invoices has to be done one by one." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7043896) Chirag S. CFO > "Has good approval flows and the ability to make payments through the platform (including scheduled payments)." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7115744) JS Jakub S. CFO > "Disputing an unauthorized payment can be cumbersome, the initial setup takes a lot of effort, user management has only pre-defined roles,..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6831650) Matthew G. Global Privacy Officer > "I appreciate having all information in one place and the ability to assign receipts to projects, although connectivity issues occasionally..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7111409) GS Giulia S. Finance Manager > "Export to xero could be better as there are often slight mistakes between the two based on the dates." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7111422) JS Jakub S. CFO > "We leverage the platform for a) faster accounting close b) more accountability of budget/cost center owners to deliver receipts and to..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6831650) EK Emine K. Senior Manager > "The only thing is, all this practicality comes only when you have the Moss app on your phone and I was not willing to have it at the..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7020035) GD Gabriel D. Senior Product Designer > "The ability to issue and manage digital cards—especially when paired with Apple Pay—gives me the flexibility and confidence to make..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6834919) Charlotte P. Head of Finance > "I don't think it currently supports VAT reclaim for mileage in the UK." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7112020) VR Verified Reviewer Founder > "Having virtual cards, receipts, and accounting sync all in one place is a major time-saver for us." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7075123) SC Sophia C. VP People > "The only thing that is sometimes tedious is that we do need a phone no matter where we log in." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7025888) Paul C. National Account Manager > "It has made our processes much tidier for capturing the receipt information so easy, that there is no excuse for them to go missing." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7052449) VR Verified Reviewer Finance Manager > "The platform feels a little bit dated compared to others out there." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7052115) VR Verified Reviewer Project and IT Manager > "Moss is a really modern and practical hands-on solution for companies where many employees frequently need cards for business trips." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7018827) CS Courtney S. Digital Marketer > "I find the login process to be a bit cumbersome." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6832251) JS Jakub S. CFO > "We also match suppliers to cost centers and general ledger accounts, which enables a much faster monthly accounting close." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6831650) FB Fernando B. project manager > "Apple Pay is not available in Belgium yet" [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6835048) EL Eifion L. Marketing Specialist > "Moss is so much easier than our previous manual process, it saves countless hours searching and is easier to administer throughout the..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7044364) CB Clemence B. Team lead Marketign Acquisition > "This takes us a little further away from the accounting team." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6836869) Anthony Y. ceo > "Moss card added to my wallet (on phone) which is handy" [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7116713) JR Julia R. Product Designer > "I never struggled to complete any action or left the platform feeling frustrated about a feature." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6832326) VR Verified Reviewer Principal Industrial Designer > "Having used Moss for several years now, it’s become a really reliable part of how we manage expenses as a team." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7128718) TV Thomas V. Head of Marketing > "I can't always find the invoice forwarding email." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6836860) MAC Mehmet Ali C. Senior Engineer > "What I appreciate most is the travel expense reporting feature, which saves a significant amount of time and effort." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7024008) HR Hannah R. Founders Associate > "Invoice matching via email forwarding is not always successful." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6070503) Dimitris K. Software Engineer > "The process improvement managing and requesting company cards is extremely effeciant and smooth with minimal overhead." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7066275) VR Verified Reviewer Head of Marketing > "Automatic fund transfer to marketing accounts generates unnecessary messages about the delivery of invoices." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___4943637) Charlotte P. Head of Finance > "Cashback on the card spend is great as well and has the potential to offset a fair amount of the platform fees." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7112020) PS Paul S. Head of Engineering > "Not being able to use a Moss email address directly as invoicing email for service subscriptions." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___4975755) VR Verified Reviewer Founder > "Auto-capture of receipts and real-time spend visibility helped reduce manual work." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7075123) VR Verified Reviewer Finance Manager > "The platform feels a little bit dated compared to others out there." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7052115) LG Louis G. Key Account Manager > "You can even take the photo via the app to save further time and hassle." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___7044366) FB Fernando B. project manager > "Apple Pay is not available in Belgium yet" [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6835048) TP Tobias P. Director of Strategic Finance > "Gives users an easy-to-use tool to create credit cards (with super high acceptance), upload reimbursements and upload invoices, whilst..." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6706434) CB Clemence B. Team lead Marketign Acquisition > "This takes us a little further away from the accounting team." [See full review](https://www.capterra.com/p/211744/getmoss/#Capterra___6836869) [View Reviews](https://www.capterra.com/p/211744/getmoss/reviews/) ## User interface [Spendwise](https://www.capterra.com/p/141589/Officewise/) 4.56 (236) [Moss](https://www.capterra.com/p/211744/getmoss/) 4.87 (234) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Spendwise Top features 35/50 - Accounting - Accounting Integration - ACH - Activity Dashboard - Activity Tracking - Ad hoc Reporting - AI Copilot - Alignment - API - Approval Process Control - Approvals - Approval Workflow - Audit Management - Audit Trail - Benchmarks - Billing & Invoicing - Budget Control - Budgeting/Forecasting - Budgets - Categorization/Grouping - Compliance Management - Configurable Workflow - Controls - Credit Card Management - Customizable Reports - Data Import/Export - Employee Reimbursements - ERP integration - Expense Claims - Expense Tracking - Financial Management - Generative AI - Invoice Management - Invoice Processing - KPIs - Multi-Currency - Multiple Views - One-time Virtual - Physical - Prepaid Cards - Proactive Assistance - Procurement Management - Purchase Order Management - Purchasing & Receiving - Real-Time Analytics - Real-Time Data - Real-Time Monitoring - Real-Time Notifications - Real-Time Reporting - Real-Time Updates [See all features](https://www.capterra.com/p/141589/Officewise/#features) Moss 27/50 - Accounting - Accounting Integration - ACH - Activity Dashboard - Activity Tracking - Ad hoc Reporting - AI Copilot - Alignment - API - Approval Process Control - Approvals - Approval Workflow - Audit Management - Audit Trail - Benchmarks - Billing & Invoicing - Budget Control - Budgeting/Forecasting - Budgets - Categorization/Grouping - Compliance Management - Configurable Workflow - Controls - Credit Card Management - Customizable Reports - Data Import/Export - Employee Reimbursements - ERP integration - Expense Claims - Expense Tracking - Financial Management - Generative AI - Invoice Management - Invoice Processing - KPIs - Multi-Currency - Multiple Views - One-time Virtual - Physical - Prepaid Cards - Proactive Assistance - Procurement Management - Purchase Order Management - Purchasing & Receiving - Real-Time Analytics - Real-Time Data - Real-Time Monitoring - Real-Time Notifications - Real-Time Reporting - Real-Time Updates [See all features](https://www.capterra.com/p/211744/getmoss/#features) ### Recognition Spendwise is recognized as a top-rated tool in 2 Capterra Shortlist reports Moss Best Value Expense Report Software (2025)  ### Deployment & support Spendwise Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Moss Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Spendwise - By Spendwise - Located in United States - Founded in 2012 Moss - By Moss - Located in Germany - Founded in 2019 ## Popular Comparisons [Spendwise](https://www.capterra.com/p/141589/Officewise/)[4.56 (236)](https://www.capterra.com/p/141589/Officewise/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,261)](https://www.capterra.com/p/380/Concur-Expense/reviews/) $9/month Price $7/month 4.4 Features 4.2 4.5 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-141589/Concur-Expense-vs-Officewise) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [SAP Concur](https://www.capterra.com/p/380/Concur-Expense/)[4.30 (2,261)](https://www.capterra.com/p/380/Concur-Expense/reviews/) Contact vendor for pricing Price $7/month 4.8 Features 4.2 4.9 Ease of Use 4.1 [View full comparison](https://www.capterra.com/compare/380-211744/Concur-Expense-vs-getmoss) [Spendwise](https://www.capterra.com/p/141589/Officewise/)[4.56 (236)](https://www.capterra.com/p/141589/Officewise/reviews/) vs [Budgetly](https://www.capterra.com/p/255448/Budgetly/)[4.89 (140)](https://www.capterra.com/p/255448/Budgetly/reviews/) $9/month Price A$240/month 4.4 Features 4.9 4.5 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/141589-255448/Officewise-vs-Budgetly) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Budgetly](https://www.capterra.com/p/255448/Budgetly/)[4.89 (140)](https://www.capterra.com/p/255448/Budgetly/reviews/) Contact vendor for pricing Price A$240/month 4.8 Features 4.9 4.9 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/211744-255448/getmoss-vs-Budgetly) [Spendwise](https://www.capterra.com/p/141589/Officewise/)[4.56 (236)](https://www.capterra.com/p/141589/Officewise/reviews/) vs [BILL Spend & Expense](https://www.capterra.com/p/166905/Divvy/)[4.67 (439)](https://www.capterra.com/p/166905/Divvy/reviews/) $9/month Price $0/month 4.4 Features 4.5 4.5 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/141589-166905/Officewise-vs-Divvy) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (189)](https://www.capterra.com/p/200192/Payhawk/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.8 Features 4.4 4.9 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/200192-211744/Payhawk-vs-getmoss) [Spendwise](https://www.capterra.com/p/141589/Officewise/)[4.56 (236)](https://www.capterra.com/p/141589/Officewise/reviews/) vs [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) $9/month Price $15/month 4.4 Features 4.8 4.5 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/141589-207081/Officewise-vs-Ramp) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Ramp](https://www.capterra.com/p/207081/Ramp/)[4.86 (222)](https://www.capterra.com/p/207081/Ramp/reviews/) Contact vendor for pricing Price $15/month 4.8 Features 4.8 4.9 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/207081-211744/Ramp-vs-getmoss) [Spendwise](https://www.capterra.com/p/141589/Officewise/)[4.56 (236)](https://www.capterra.com/p/141589/Officewise/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.51 (1,368)](https://www.capterra.com/p/97594/Expensify/reviews/) $9/month Price $5/month 4.4 Features 4.4 4.5 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/97594-141589/Expensify-vs-Officewise) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Expensify](https://www.capterra.com/p/97594/Expensify/)[4.51 (1,368)](https://www.capterra.com/p/97594/Expensify/reviews/) Contact vendor for pricing Price $5/month 4.8 Features 4.4 4.9 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/97594-211744/Expensify-vs-getmoss) [Spendwise](https://www.capterra.com/p/141589/Officewise/)[4.56 (236)](https://www.capterra.com/p/141589/Officewise/reviews/) vs [Payhawk](https://www.capterra.com/p/200192/Payhawk/)[4.60 (189)](https://www.capterra.com/p/200192/Payhawk/reviews/) $9/month Price Contact vendor for pricing 4.4 Features 4.4 4.5 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/141589-200192/Officewise-vs-Payhawk) [Moss](https://www.capterra.com/p/211744/getmoss/)[4.87 (234)](https://www.capterra.com/p/211744/getmoss/reviews/) vs [Coast](https://www.capterra.com/p/10004846/Coast/)[4.93 (205)](https://www.capterra.com/p/10004846/Coast/reviews/) Contact vendor for pricing Price $4/month 4.8 Features 4.9 4.9 Ease of Use 4.9 [View full comparison](https://www.capterra.com/compare/211744-10004846/getmoss-vs-Coast)