3S Money and Moss are two of the leading companies when it comes to expense cards for your UK business. But which one is better?
Below we look at how they compare. From reviews to costs to features we look at all the key things you want to know before making your decision.
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3S Money vs Moss Reviews
| 3S Money | Moss | |
| Trustpilot Review Rating | 4.8 | 4 |
| Number of Trustpilot Reviews | 655 | 119 |
| iPhone App Rating | No Rating | 5 |
| Number of iPhone App Reviews | No Reviews | 3 |
| Android App Rating | No Rating | No Rating |
| Number of Android App Reviews | No Reviews | No Reviews |
3S Money vs Moss Key Details
| 3S Money | Moss | |
| Website | Click Here to Visit 3S Money Website | Click Here to Visit Moss Website |
| Card Type | No Card Provided | Mastercard |
| Offers Physical Cards? | No | Yes |
| Offers Virtual Cards? | No | Yes |
| Offers Prepaid Cards? | No | Yes |
| Cashback Plans? | No | Yes |
| Plans for Freelancers? | Yes | Yes |
| Plans for Small Business? | Yes | Yes |
| Plans For Medium Business? | Yes | Yes |
| Enterprise Plans? | No | Yes |
3S Money vs Moss Cost
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| 3S Money | Moss | |
| Free Plan? | No | No |
| Free Trial? | No | Yes |
| Cheapest Plan Price Per Month | £244.78 | Pricing Not On Website |
| Mid Plan Price Per Month | Not Applicable | Pricing Not On Website |
| Top Plan Price Per Month | Bespoke | Pricing Not On Website |
3S Money vs Moss Features
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3S Money Features
Standard International
- Suitable for: Importers, exporters, manufacturers, professional service providers and e-commerce businesses
No Mid-Tier Plan
Not Applicable
Bespoke International
- Suitable for: Businesses with complex structures, holding companies, family offices, asset managers and investments funds
3S Money Accounting Software Integrations
Moss Features
Smart Cards
- Unlimited smart corporate cards with automated spend approval flows
- Boost cash flow using Moss Credit Cards
- Market-leading receipt capture and matching
- Integrate seamlessly with accounting systems
- Pay with physical cards or Apple & Google Pay
- iOS and Android mobile app
Customised Plan
- Choose any combination of smart cards, employee reimbursement, or invoice management modules
- Select the right level of ERP integration for your business
- Add the appropriate controlling, SSO and AI accounting automation features as needed
- 1-1 custom implementation support
- 24/7 support
Complete Spend Management
- Entire oversight of corporate cards, invoice management, and expense reimbursements
- Real-time budget insights
- AI accounting automation for more precise financial reporting
- Full range of ERP and accounting integrations
- SSO for enhanced security
- Dedicated customer success account manager
Moss Accounting Software Integrations
- Xero
- QuickBooks
- Datev
- Exact Online
- Sage
- SAP
- Oracle
3S Money vs Moss Features Comparison
| 3S Money | Moss | |
| Apple Pay Compatible | Yes | Yes |
| Google Pay Compatible | Yes | Yes |
| Expense Claims | No | Yes |
| Expense Reimbursements | No | Yes |
| API | Yes | Yes |
| Access Controls/Permissions | No | Yes |
| Reconciliations | No | Yes |
| Approval Process Control | No | Yes |
| Budget Control | No | Yes |
| Expense Categorisation | No | Yes |
| Compliance Management | Yes | Yes |
| Customizable Fields | No | No |
| Fraud Detection | Yes | Yes |
| Multi-Currency Cards | Yes | No |
| Mileage Tracking | No | Yes |
| Mobile Receipt Upload | No | Yes |
| Real Time Notifications & Reporting | Yes | Yes |
| Receipt Management | No | Yes |
| Spend Control | No | Yes |
| Travel Management | No | Yes |
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