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

Clear Books is the ledger for a UK sole trader, landlord, or small company. You record income and expenses, send invoices, and file to HMRC from this file. Paid plans add bank feeds and bill and receipt capture. MTD for Income Tax quarterly updates are on the free sole trader and property plans. MTD VAT submissions are on Sole Trader Plus and on the Medium and Large organisation plans. The site has said it is UK software since 2008.

Xero and QuickBooks Online are the ledgers many accountants already know. Kick is a US replacement ledger. Dext, Hubdoc, and Veryfi capture documents and publish them into Xero or QuickBooks Online. Nanonets and DocuClipper extract invoices or statements for those same files. Clear Books is the books, not a capture add-on. Invoices, bank matching, VAT, CIS, and dividends live here, with hard plan gates. A US shop will not find 1099s in this file.

People who stay want UK support and one file that can start as a free MTD Income Tax record for a simple sole trader or a single property, then add invoicing and bank feeds. You can invite an accountant on the free plans. Limited companies, partnerships, and charities move to the organisation plans when they need journals, user permissions, dividends, and the fuller report set.

Sole Trader Free, Property Free, and Foreign Property Free cover HMRC-recognised MTD Income Tax quarterly updates and year-end filing, with no transaction cap, and you can invite an accountant. MTD VAT, the flat-rate scheme, and domestic reverse charge start on Sole Trader Plus. On organisation plans, MTD VAT submissions start on Medium. Small does not include them.

File MTD from the plan that includes it

Sole Trader and the organisation plans create and email invoices, including recurring invoices and reminders. Stripe and GoCardless are on the feature list for card and direct debit. Instant Bank Payments is an optional open-banking add-on. The pricing page does not show that add-on's price.

Invoice and collect in the same file

Paid sole trader and property plans include automated bank feeds and bill and receipt scanning. Organisation plans include a bank feed with automated matching on Small and up. The feature list also names an Auto Code pass over bank lines. The bank-feed provider is not named.

Match a bank feed and capture bills

Medium adds purchase orders, CIS reporting and submissions, and budgets, plus MTD VAT. Large adds project accounting, multi-currency with XE.com rates unless you override them, employee expense claims, mileage, and fixed assets. Stock tracking is marked on Small, Medium, and Large.

Step up for VAT, CIS, projects, and currency

The feature list says you can pay bills and payroll from Clear Books through Revolut Business. Payroll is a separate add-on with RTI submissions to HMRC and a 30-day trial. Its price is not on the pricing page. Auto Bills is included on paid sole trader and property plans and listed as an add-on on Small, Medium, and Large.

Pay bills or run payroll as add-ons

Organisation plans include journals, an audit log, user permissions, and period locks. Reports include profit and loss, balance sheet, cash flow, and trial balance, with CSV or PDF export. The accountant works in this file. There is no QuickBooks Online or Xero sync on the pages opened.

Lock a period and hand the file to an accountant

Clear Books is a UK ledger. Free MTD Income Tax plans exist. Paid plans start at £5/mo plus VAT. VAT filing is not on every plan.

Clear Books Review: UK Ledger, MTD Plans, and VAT Gates

Clear Books

Sole Trader Free

Sole Trader

Sole Trader Plus

Property Free

Property

Foreign Property Free

Foreign Property

Small

Medium

Large

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

Kick is the ledger. You connect banks and cards through Plaid, plus Stripe, PayPal, Mercury, Ramp, Gusto, and BILL. Transactions land in Kick's cash-basis books already categorized. You review the misses, keep the rules that stick, match receipts, and reconcile. Reports and the year-end tax package come out of Kick.

It does not sit on QuickBooks Online or Xero. The live books live here, which is the opposite of Double (a layer on the file you already have) or staying in Wave with a local bookkeeper. For a US service shop, Kick's job is a shorter weekly review than QuickBooks and a year-end package a CPA can use. Owner help currently gates a direct QuickBooks import to Advanced; everyone else starts from bank feeds and a CSV or statement import.

People who stick with Kick are usually DIY US owners who found QuickBooks heavier than the books they actually keep. They care most about a clean year-end handoff: a review pass and a package an accountant can use, without paying a monthly bookkeeping service.

Bank, card, and processor lines post to the cash ledger as they sync. You correct the misses and keep rules. Kick leaves a transaction uncategorized when it is not confident.

Categorize as the feed lands

Forward, photograph, or upload receipts. Kick matches them to the bank or card line instead of leaving a pile in your camera roll.

Receipt and document matching

Plus and Advanced keep multiple LLCs in one login, match intercompany transfers, and split shared bills. New entities start free for 250 transactions, then $50/month, and that count does not reset next year. Older Plus plans stay capped at 5 entities until you move to current pricing.

Multi-entity in one workspace

Download an Excel year-end package (cover, P&L, balance sheet, general ledger, trial balance) for your CPA. Flag vendors as 1099 eligible and export a 1099 report. Kick does not e-file 1099s or the return.

Tax package and 1099 review

Cash-basis books are on every plan and post as transactions sync. Plus and Advanced add an accrual ledger, classes, departments, locations, projects, and AR/AP aging. Accrual posts only after you confirm the lines or a rule auto-confirms them.

Cash ledger now, accrual on Plus

Basic and above include an MCP server and CLI so you can query or update the books from Claude, ChatGPT, or a terminal. Firms also get a REST API across every workspace they manage.

MCP, CLI, and a REST API

Kick replaces QuickBooks for US service businesses. Free to 250 expenses/year, paid from $40/mo billed annually. Multi-entity, the catch, and who should skip it.

Kick Review: AI Ledger for US Founders (Not QuickBooks)

Kick

Free

Basic

Plus

Advanced

Lido is an AI-powered document processing platform that extracts structured data from any document and converts it into Excel, Google Sheets, or CSV. It works with PDFs, scans, images, and emails — no templates or manual data entry required. Lido supports invoices, receipts, bank statements, purchase orders, medical forms, and any other document type. Lido achieves 99%+ accuracy on structured documents like invoices and receipts, making it a reliable choice for finance and operations teams.

Automatically extract structured data from any document type, including invoices and receipts.

Data Extraction

Match extracted data against internal systems to ensure accuracy.

Validation

Trigger workflows based on extracted data, such as uploading to ERP or generating documents.

Automation

Upload documents in batches or connect shared folders for automatic ingestion.

Batch Upload

Achieve over 99% accuracy without the need for templates or extensive training.

High Accuracy

Lido

Standard

Scale

Enterprise

Nanonets offers an advanced Receipt OCR API that automates the extraction of key data from receipts and invoices. It utilizes AI and machine learning to process documents efficiently, enabling businesses to automate complex workflows without human intervention. The platform supports various integrations and is designed for high-volume processing, making it suitable for enterprise needs.

Capture invoices and receipts in any format, fully automated.

Multi-format invoice capture

Validate invoices against purchase orders and match vendors.

3-way matching

Route approvals seamlessly within your existing systems.

Approval routing

Automatically post validated data to your ERP system.

ERP posting

Includes SSO, audit logs, and compliance with GDPR and HIPAA.

Enterprise-grade security

Nanonets

Starter

Growth

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.

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

Mindee's OCR API automates document processing, transforming photos, PDFs, and handwritten files into structured JSON with high reliability. It requires no model training and supports any alphabet or language. The API features advanced capabilities such as document splitting, classification, and cropping, ensuring efficient workflow automation. Mindee is trusted by top-tier teams worldwide for its precision and adaptability in handling diverse document types.

Extracts data from various document formats with high accuracy.

High-Precision Data Extraction

Automatically splits multi-page uploads into distinct documents.

Document Splitting

Instantly sorts incoming documents into specific categories.

Document Classification

Isolates and crops multiple documents scanned on a single page.

Auto-Cropping

Refines performance through a self-improving feedback loop.

Continuous Learning Model

Mindee

Business

Parseur is an AI-powered data extraction tool designed to automate the processing of documents such as emails, PDFs, and invoices. It enables users to extract, structure, and deliver data to their applications in real-time without the need for extensive training or setup. With a focus on privacy and compliance, Parseur ensures that sensitive data is handled securely and efficiently.

Easily upload documents from various sources for data extraction.

Document Intake

Extract and structure data instantly from documents.

Real-time Data Extraction

Handle from a few documents to millions without infrastructure changes.

Scalability

Built for privacy with GDPR, CCPA, and SOC 2 compliance.

Compliance and Security

Connect with popular automation platforms for seamless data transfer.

Integrations

Parseur

Free tier

Base tier

Scale tier

Enterprise tier

Tabscanner's Receipt OCR API offers advanced receipt data extraction with 99.99% accuracy, designed for high-volume processing. With over 1 billion receipts processed globally in 9 years, it provides seamless integration and automated receipt parsing. The API is developer-friendly and supports a wide range of languages and formats, ensuring optimal performance and security.

Achieves 99.99% accuracy through advanced AI-driven OCR technology.

Processes up to 5 million receipt scans per day.

Easy integration with comprehensive documentation and support.

Developer Friendly

Supports receipt data extraction in multiple languages.

Global Language Support

Offers tailored solutions for different regional needs.

Custom Configurations

Tabscanner

Per Credit

Pro Service

Receipt Bot is a capture tool, not a ledger. You photograph, email, or upload receipts, supplier invoices, and PDF bank statements. OCR plus a staff check pulls supplier, dates, amounts, tax, and line items. You review, then export into QuickBooks Online or Xero as a bill, expense, invoice, or sales receipt with the image attached. You can also download Excel, CSV, or bank-import files (OFX, QBO, QIF) and skip the live sync.

The bill is the standout: unlimited users and client entities, you pay for document credits, unused credits roll six months, and a person checks the extract before you approve. Starter is $9/month for 45 credits. Standard is $27 for 150. Pro is $81 for 510. A simple invoice costs one credit. Line items cost two per page. Bank or supplier statement pages cost three. The mobile app has a free plan with 10 credits a month. Paid trials start with 30 credits and no card. As of August 2026 they also advertise 10% off the first six months.

Skip it if you need Dext-style supplier auto-fetch, an expense-report product for employees, or a US-first app with a deep review record. Documents must be English. When credits run out, processing pauses until the next bill. The Android app is mainly a camera; bank statements live on the web. Run the 30 free credits through a real month of invoices before you replace your current intake.

OCR reads the document, then qualified staff verify supplier, amounts, tax, and line items before you approve. English documents only.

Staff-checked extraction

Snap on iOS or Android, forward to a per-business inbox, upload in the web app, or pipe files through Zapier or the API.

Photo, email, web, or Zapier intake

Export creates a bill, expense, vendor credit, invoice, credit memo, or sales receipt with the image attached. Bulk export is capped at 25. You can re-export after edits.

Push to QuickBooks Online or Xero

Web-only. Reads statement pages and downloads Excel, CSV, OFX, QFX, QBO, QIF, or IIF. Each statement page costs three credits.

PDF bank statement conversion

Paid plans include unlimited staff, clients, and businesses. No per-client fee. Firms get a practice dashboard and co-branding.

Unlimited users and entities

Unused paid credits carry up to six months. When the balance hits zero, processing stops until the next billing date or you upgrade.

Credits that roll, then pause

Receipt Bot reads receipts, invoices, and PDF bank statements, then you push coded bills into QuickBooks Online or Xero. Credit-priced, no per-client fee.

Receipt Bot Review: Receipt Capture for QuickBooks and Xero

Receipt Bot

Basic (mobile)

Premium

Veryfi provides AI-powered document capture and extraction APIs that enable multimodal document processing. It allows businesses to automate workflows across various document types, ensuring high accuracy and speed. With features like fraud detection and real-time data extraction, Veryfi aims to streamline accounting and financial operations for organizations of all sizes.

Extracts data from various document types with over 99% accuracy.

AI-Powered Document Processing

Real-time fraud prevention capabilities integrated into the document processing workflow.

Fraud Detection

Supports mobile capture of documents through iOS and Android applications.

Mobile SDKs

Easy integration with existing systems to automate data extraction and processing.

Bookkeeping and accounting software