Moss and Payem 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.
 |  |
Moss vs Payem Reviews
| Moss | Payem | |
| Trustpilot Review Rating | 4 | No Rating |
| Number of Trustpilot Reviews | 119 | No Reviews |
| iPhone App Rating | 5 | No Rating |
| Number of iPhone App Reviews | 3 | No Reviews |
| Android App Rating | No Rating | No Rating |
| Number of Android App Reviews | No Reviews | No Reviews |
Moss vs Payem Key Details
| Moss | Payem | |
| Website | Click Here to Visit Moss Website | Click Here to Visit Payem Website |
| Card Type | Mastercard | VISA |
| Offers Physical Cards? | Yes | Yes |
| Offers Virtual Cards? | Yes | Yes |
| Offers Prepaid Cards? | Yes | Yes |
| Cashback Plans? | Yes | No |
| Plans for Freelancers? | Yes | Yes |
| Plans for Small Business? | Yes | Yes |
| Plans For Medium Business? | Yes | Yes |
| Enterprise Plans? | Yes | Yes |
Moss vs Payem Cost
 |  |
| Moss | Payem | |
| Free Plan? | No | No |
| Free Trial? | Yes | No |
| Cheapest Plan Price Per Month | Pricing Not On Website | Pricing Not On Website |
| Mid Plan Price Per Month | Pricing Not On Website | Not Applicable |
| Top Plan Price Per Month | Pricing Not On Website | Not Applicable |
Moss vs Payem Features
 | |
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
Payem Features
Standard
No Features Listed On Website
No Mid-Tier Plan
Not Applicable
Not Top Plan
Not Applicable
Payem Accounting Software Integrations
- NetSuite
- Quickbooks
Moss vs Payem Features Comparison
| Moss | Payem | |
| Apple Pay Compatible | Yes | Yes |
| Google Pay Compatible | Yes | Yes |
| Expense Claims | Yes | Yes |
| Expense Reimbursements | Yes | Yes |
| API | Yes | Yes |
| Access Controls/Permissions | Yes | Yes |
| Reconciliations | Yes | Yes |
| Approval Process Control | Yes | Yes |
| Budget Control | Yes | Yes |
| Expense Categorisation | Yes | Yes |
| Compliance Management | Yes | Yes |
| Customizable Fields | No | Yes |
| Fraud Detection | Yes | Yes |
| Multi-Currency Cards | No | Yes |
| Mileage Tracking | Yes | Yes |
| Mobile Receipt Upload | Yes | Yes |
| Real Time Notifications & Reporting | Yes | Yes |
| Receipt Management | Yes | Yes |
| Spend Control | Yes | Yes |
| Travel Management | Yes | Yes |
More Comparisons
Moss vs Expense On Demand
Moss vs Capture Expense
Moss vs Mesh
Moss vs Finway
Moss vs Spenfi