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Zoho Expense vs Moss: Which Is The Better Company Expense Card?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Zoho Expense 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.

Zoho Expense HomepageMoss Homepage
 

Zoho Expense vs Moss Reviews

Zoho ExpenseMoss
Trustpilot Review Rating 4.44
Number of Trustpilot Reviews4462119
iPhone App Rating4.75
Number of iPhone App Reviews4433
Android App Rating4.6No Rating
Number of Android App Reviews12600No Reviews
Note these figures we’re taken from each company’s website and may have changed since publication

Zoho Expense vs Moss Key Details

Zoho ExpenseMoss
WebsiteClick Here to Visit Zoho Expense WebsiteClick Here to Visit Moss Website
Card TypeNo Card ProvidedMastercard
Offers Physical Cards?NoYes
Offers Virtual Cards?NoYes
Offers Prepaid Cards?NoYes
Cashback Plans?YesYes
Plans for Freelancers?YesYes
Plans for Small Business?YesYes
Plans For Medium Business?YesYes
Enterprise Plans?YesYes

Zoho Expense vs Moss Cost

Zoho Expense PricingMoss Pricing
Zoho ExpenseMoss
Free Plan?YesNo
Free Trial?YesYes
Cheapest Plan Price Per Month£4.00Pricing Not On Website
Mid Plan Price Per Month£6.00Pricing Not On Website
Top Plan Price Per Month£10.00Pricing Not On Website
Prices were accurate at the time of publication but may have since changed. Please visit both websites to confirm pricing.

Zoho Expense vs Moss Features

Zoho Expense FeaturesMoss Features

Zoho Expense Features

STANDARD

  • Unlimited Users
  • 20 Receipt Autoscans per user
  • Corporate Card Reconcillation
  • Cash Advances
  • Multilevel Approval
  • Access Delegation
  • Basic Audit Trail Report
  • Email, call, and remote assistance

PREMIUM

  • Unlimited Users
  • 20 Receipt Autoscans per user
  • Corporate Card Reconcillation
  • Cash Advances
  • Multilevel Approval
  • Access Delegation
  • Basic Audit Trail Report
  • Email, call, and remote assistance
  • Receipt Autoscan
  • Travel Requests
  • Purchase Request
  • Advanced Approval
  • Per Diem Automation
  • Advanced Customization

ENTERPRISE

  • Unlimited Users
  • 20 Receipt Autoscans per user
  • Corporate Card Reconcillation
  • Cash Advances
  • Multilevel Approval
  • Access Delegation
  • Basic Audit Trail Report
  • Email, call, and remote assistance
  • Receipt Autoscan
  • Travel Requests
  • Purchase Request
  • Advanced Approval
  • Per Diem Automation
  • Advanced Customization
  • TMC/OTA Integration
  • ERP Integration
  • Single Sign On (SAML)
  • Dedicated Account Manager
  • Advanced Audit Trail Report

Zoho Expense Accounting Software Integrations

  • Quickbooks
  • Xero
  • Sage

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

Zoho Expense vs Moss Features Comparison

Zoho ExpenseMoss
Apple Pay CompatibleNoYes
Google Pay CompatibleNoYes
Expense ClaimsYesYes
Expense ReimbursementsYesYes
APIYesYes
Access Controls/PermissionsYesYes
ReconciliationsYesYes
Approval Process ControlYesYes
Budget ControlYesYes
Expense CategorisationYesYes
Compliance ManagementYesYes
Customizable Fields YesNo
Fraud DetectionYesYes
Multi-Currency CardsYesNo
Mileage TrackingYesYes
Mobile Receipt UploadYesYes
Real Time Notifications & ReportingYesYes
Receipt ManagementYesYes
Spend ControlYesYes
Travel Management YesYes

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Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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