Best-in-class spend control: custom card-level limits, department budgets, and instant card freezing. Trusted by over 60,000 businesses across Europe.
Visit Soldo →The most complete finance workflow platform: cards, accounts payable, reimbursements, budgets, and AI-powered accounting automation in one place.
Visit Moss →Soldo: Best if you want granular, rule-based spend control on cards, with a genuinely usable free plan and no sales call required.
Moss: Best if cards are only part of the problem and you also need invoice processing, reimbursements, and AP automation in one system.
| Feature | Soldo | Moss |
|---|---|---|
| Starting price | Free plan | Custom pricing |
| Free plan | Yes | No |
| Physical cards | Yes | Yes |
| Virtual cards | Yes | Yes |
| Invoice management | No | Yes |
| Reimbursements | Yes | Yes |
| Accounting sync | Yes | Yes |
| Best for | Tight department spend control | Finance teams wanting one platform |
Soldo and Moss solve different problems even though both show up on "best expense card" shortlists. Soldo is a spend-control tool first: card-level rules, department budgets, and instant freezing, with a free plan you can start on today. Moss is a broader finance workflow platform: cards sit alongside invoice management, reimbursements, and AI-assisted accounting coding, but there's no published pricing and no free tier. If your finance team's main pain point is stopping the wrong spend before it happens, Soldo is the faster, cheaper fit. If the pain point is a patchwork of disconnected tools for cards, invoices, and expense reports, Moss is built to replace all of them at once.
See the full comparison table with all five platforms side by side.