Moss is spend software for companies in the UK and Europe. You issue Mastercard corporate cards, virtual or physical, collect employee reimbursements (including mileage and per diems), and run supplier invoices through approval. Receipts are photographed in the app, emailed, or pulled from Gmail or Outlook. Moss codes the spend, including VAT rates, then syncs or exports it to the accounting system you already use. Project and cost-centre tracking is listed on the AI accounting add-on. Supplier payments and reimbursements go out as Pay with Moss from a Moss wallet, or as a SEPA file for reimbursements.

Ramp and Brex are US card programs with US underwriting and a sync aimed at US books. Bill.com and Melio pay US vendors by ACH. Moss is the European shape of that stack: a card, a wallet, and an invoice queue, with DATEV for German firms and cost centres in the coding. It does not replace the ledger. Moss Credit, the repay-later option, is offered in Germany, the Netherlands, and the UK. The other documented way to fund spend is a debit wallet. Rydoo is the closer comparison if you only need expense reports and you do not want a card program.

Finance teams keep it because cards, invoices, and out-of-pocket claims share one approval trail and one coding setup, and the platform fee does not grow with headcount. Employees can put a card in Apple Pay or Google Wallet and spend inside the limit you set. Month-end is still the sync or export into Xero, DATEV, Business Central, NetSuite, or whichever ledger you connected.

Virtual cards are unlimited and can be created for a merchant, project, or single use. Physical cards are available. Controls include per-card and per-transaction limits, merchant category, and time restrictions. Cards can be added to Apple Pay or Google Wallet. Moss says there is no annual card fee and no per-user card fee.

Issue a Mastercard with a limit

Moss Debit draws from the Moss wallet. Moss Credit is repayable daily, weekly, or within 30 days, with 0% interest if you repay on time, and it requires a credit check. The legal center limits Moss Credit to Germany, the Netherlands, and the UK. Eligibility applies.

Fund the card with credit or a debit wallet

Spenders submit a photo in the app or by email. Receipt Finder can pull receipts from Gmail or Outlook. The AP and card modules both list AI extraction. Reimbursements support mileage and per diems, then pay from the Moss balance or a SEPA file, with a second approver on payment.

Collect the receipt without a chase email

Invoices go through multi-step approval, can auto-match to a purchase order, and can be scheduled in one payment list. Pay with Moss sends the payment from the Moss wallet. In the EEA that wallet is provided by Moss GmbH, with Airwallex named for the onward payment. In the UK, Airwallex (UK) provides the wallet and Pay with Moss.

Approve and pay supplier invoices

The integrations page lists live connections including Xero, DATEV, NetSuite, Microsoft Business Central, and SAP Business One, plus CSV paths such as Sage 50 and Sage 200. The card FAQ also names QuickBooks and Exact. Sage Intacct is marked coming soon. ERP dimensions are an add-on, not the free start.

Push coded spend to the ledger you already keep

Moss issues European corporate cards and runs invoices and reimbursements into Xero, DATEV, or an ERP. Paid prices are not published.

Moss Review: European Cards, Invoices, and Expenses

Moss

Free start

Paid plans

Perk (the TravelPerk rebrand) is a travel and spend platform, not a ledger. Employees book flights, hotels, trains, and cars inside the app. Policy applies at booking. Receipts get photographed on the phone, matched to a card charge or claim, and checked against the same rules. Finance exports or syncs coded expenses into the accounting system instead of rebuilding the trip from inboxes.

It does not replace QuickBooks Online or Xero. The trip record lives here, then a spend export or a Xero connector (DATEV and Xero on Spend Premium) hands coded lines to the books. That is the opposite of Ramp (a card program with travel on the same login) or Expensify (a phone camera for out-of-pocket receipts). Navan is the closer US booking-plus-expense stack if you want a product you can start without a waitlist. Confirm QuickBooks Online on Perk's US connector list before you buy; the public Spend table we saw did not list it.

People who stick with Perk are usually teams that already book travel every month and want the same rules on the fare and the dinner. They care most about travelers staying in one app, and finance getting a coded trip instead of three inboxes.

Employees search flights, hotels, trains, and cars in the app. Starter includes one travel policy. Premium includes 10. Pro is unlimited. Out-of-policy options can be blocked or routed before the money leaves.

Book the trip in policy

Photograph a receipt on iPhone or Android. Perk reads the line items, matches the card charge, and applies expense rules (10 on Spend Premium, unlimited on Pro) before the report sits in a queue.

AI receipt capture and policy check

Issue unlimited physical, virtual, and lodge Platinum Visa debit cards at no extra card fee. Set spend limits. Premium lists 0.5% cashback; Pro lists 1%. External card feeds are one per entity.

Perk Visa debit cards

Booked travel can spawn the expense, assign a per diem, and attach the itinerary so meals and ground transport sit on the same trip instead of three personal-card claims.

Trip and expense as one record

Spend Premium includes a spend export file plus DATEV and Xero connectors. Pro adds the rest of their ERP connectors and an OpenAPI. Confirm QuickBooks Online on the North America list before you buy.

Export or sync to the books

The Perk app (iOS and Android) holds the itinerary, live flight updates, receipt camera, card requests, and travel approvals so the traveler does not need a laptop at the hotel.

Mobile booking and approvals

Perk combines travel booking, expenses, AI policy checks, and Visa debit cards. Published US prices, the catch, and who should skip it.

Perk Review: Travel, Expenses, and Policy in One Platform

Perk

Travel Starter

Travel Premium

Spend Premium

Spend Pro

Receipt OCR API is a specialized software that automates the extraction of data from receipt images, converting it into a structured format. It leverages AI and machine learning to identify key information such as merchant name, date, line items, and totals from various layouts. The API is designed for seamless integration, providing reliable receipt scanning and data extraction across 50+ countries with 99.9% uptime.

Taggun's solutions cater to diverse applications including cashback and rewards campaigns, expense management, and accounting automation. With features like fraud detection and multi-currency support, it is tailored for both loyalty and expense management workflows.

Specialized extraction of comprehensive receipt and invoice data.

High Accuracy Data Extraction

Instant results on every request with built-in resiliency.

Real-time Processing

Detects duplicates and tampering to protect against fraud.

Fraud Detection Suite

Multi-Currency Support

SOC 2 Type 2 and GDPR-ready with configurable data retention.

Enterprise-Grade Security

Taggun

Developer

Startup

Business

Advanced

Enterprise

AI Receipt OCR Scanner allows users to scan any receipt and extract merchant, date, total, tax, and line items to various formats including Excel, Google Sheets, QuickBooks, or CSV. It supports PDFs, scans, photos, and faded thermal prints, and requires no templates or setup. The tool is trusted by finance teams at companies like Weight Watchers and Ancestry, and it automates the extraction process, significantly reducing manual data entry time.

Drop any receipt and get labeled, structured fields back immediately.

Instant Extraction

Extract every field from any receipt without any setup or training data.

No Templates Required

Connect a dedicated email address to automatically scan and process receipts.

Import Receipts Automatically

Export extracted data to Excel, Google Sheets, CSV, JSON, or API.

Multiple Export Options

Consistently extracts accurate data across various merchant formats.

High Accuracy

ReceiptOCR

Free Plan

Receipt OCR Software extracts merchant name, date, total, tax, and line items from any receipt using AI. It reads PDFs, scans, and smartphone photos without templates and exports data to Excel, Sheets, CSV, or JSON. The software is SOC 2 Type 2 certified and HIPAA compliant, ensuring data privacy and security.

Upload any receipt format and get structured data back immediately.

Extracts every field from any receipt without the need for templates or training data.

Connect a dedicated email address to automatically process incoming receipts.

Automated Receipt Intake

Export extracted data to Excel, Google Sheets, CSV, JSON, or via API.

Flexible Export Options

Extracts detailed line items, tax, tips, and custom fields from receipts.

Line Item Extraction

Receipt OCR Software

Free Tier

Medius provides an AP automation software suite designed to help businesses streamline their accounts payable processes and gain control over spending. The platform utilizes AI and machine learning to automate invoice processing, payment automation, and spend management, allowing finance teams to focus on strategic tasks rather than manual data entry. Medius supports over 3,000 companies worldwide, processing millions of invoices each month with a high touchless rate.

AI-powered extraction removes the need for manual data entry, ensuring accuracy and audit confidence.

Invoice Capture

Streamlines supplier payments, reducing complexity and fraud risk.

Payment Automation

Machine learning and AI proactively detect fraud and enforce policies throughout the AP lifecycle.

Fraud & Risk Detection

Conversational AI assists approvers with invoice decisions, increasing on-time payments.

AI-Assisted Approvals

Seamless connections with over 100 ERPs, simplifying integration processes.

ERP Integrations

AP Automation & Global Payment Software

Medius AP Essentials

Medius AP 360

Spendesk is a spend management platform that connects all types of company spending, including cards, accounts payable, and expenses, into one integrated system. It is designed to provide real-time visibility and control over finances, enabling finance teams to automate workflows and make smarter spending decisions. Spendesk is trusted by over 5,000 finance teams across Europe and aims to transform finance into a growth driver rather than a cost center.

Full flexibility for teams with complete control for finance.

Smart Corporate Cards

98% of receipts collected automatically without the need for chaser emails.

Automated Expense Management

Streamline invoice management and gain control over payments.

Accounts Payable Automation

Monitor budgets in real-time to ensure financial control.

Real-time Budget Monitoring

Connect with various accounting and business tools to keep data flowing.

Seamless Integrations

Spendesk

Foundations

CFO Connect Pro

Paychex Expense Report & Management Software allows businesses to manage expenses seamlessly, from point of purchase to employee reimbursement. It provides insights into spending behavior and helps enforce company spending policies. Employees can submit expense reports from any device, and the software integrates with various financial systems for easy data flow and compliance.

Employees can submit their expense reports and get reimbursed from anywhere, with any device.

Submit Expenses from Anywhere

Eliminate excessive spending by monitoring and communicating expense activities in real time.

Enforce Spending Policies

Managers can review expense reports without paperwork and approve requests with a single click.

Easy Approvals

Gain visibility into your company’s spending with detailed reports and analytics.

Reporting and Analytics

Automatic expense management software feeds into Paychex Flex, helping to streamline the reimbursement process.

Quick Reimbursement

Paychex Expense Management

Klippa, now known as Doxis, offers AI-driven solutions for document automation, enabling businesses to streamline their administrative tasks and reduce operational costs. Their technology allows for the processing of documents in seconds, significantly improving efficiency and reducing the risk of fraud through intelligent algorithms.

Automate document flows and convert documents into structured data within seconds.

Intelligent Document Processing

Manage company expenses with modules for digital expense reporting, invoice processing, and corporate credit cards.

SpendControl

Utilize smart algorithms to protect against invoice, identity, and expense fraud.

Fraud Detection

Ensure compliance with global data protection regulations.

Compliance Assurance

Reduce administrative work and operational costs by up to 80%.

Efficiency Boost

Klippa

SAP Concur is a cloud-based platform that helps manage expense, travel, and invoice processes in one place. It automates how employees submit expenses, book travel, and handle invoices, providing companies with better visibility and control over their spending. The platform is designed for businesses of all sizes, allowing for scalability as the business grows.

Auto-capture receipts and generate reports, applying spending policies instantly.

User-friendly booking experience with flexible integrations and an AI assistant.

Travel Management

Automated, connected accounts payable with real-time visibility into cash flow.

Accounts Payable

SAP Concur

Base

Plus

Premium

Brex is a comprehensive finance platform designed for businesses to manage their spending, banking, and expenses efficiently. It offers modern corporate cards, expense management tools, and banking solutions across 120+ countries. With AI-powered automation, Brex aims to eliminate manual work and enhance financial control for companies of all sizes.

Unlimited global cards accepted in 210+ countries and territories with built-in controls.

Bookkeeping and accounting software