What Moss does

Moss is a Berlin-based spend management fintech founded in 2019 that operates an integrated platform combining corporate credit and debit cards, accounts payable, employee reimbursements, bank transfers, and AI-powered pre-accounting for small and medium-sized enterprises across Europe. The platform is delivered under the legal entity Nufin GmbH, with card-issuing and payment services run through Moss GmbH, a BaFin-authorised e-money institution (license no. 159024) operating under PSD2, with Mastercard as card-network partner and Deutsche Bank (EU) plus Barclays and Bank of England (UK) providing fund safeguarding. Its core technical architecture is a cloud-native spend management system built on Google Cloud Platform with data hosted in Frankfurt, Germany, featuring 50+ native integrations into accounting (DATEV, Xero, NetSuite, QuickBooks, SAP, Microsoft Dynamics), HR/identity (Personio, Workday, HiBob, Okta), and productivity tools, plus a public developer API and MCP server launched in 2026 for third-party AI and workflow integrations.

Moss monetises through a modular pricing model that layers a base platform subscription with paid add-on modules (Procurement, Advanced Controlling, Advanced Accounting, Moss Intelligence) and usage-based transaction fees on cards, invoices, and reimbursements, with a freemium entry tier (up to 3 users, 20 invoices/month) to drive self-serve adoption and a sales-assisted motion for mid-market conversion. Its go-to-market is hybrid: product-led growth via free tier and no-sign-up product tours combined with direct field sales for mid-market and enterprise prospects, supported by content marketing, G2 and Capterra presence, and customer case studies across hospitality, e-commerce, apparel, healthcare, and marketplaces (Snocks, Pizza Pilgrims, MORI, Florence, Grover, AUTO1, Flink). The company has raised approximately €130 million in equity across Series A, Series A extension, and Series B rounds led by Cherry Ventures, Valar Ventures, and Tiger Global with A-Star, reaching a post-money valuation above €500 million, and operates from headquarters in Berlin with a regional HQ in London opened November 2024.

The product surface includes a corporate card programme with credit lines up to €2.5 million, AI-driven receipt chasing, OCR-based data extraction, pre-accounting agents with claimed 98%+ coding accuracy, 2-way and 3-way invoice matching, and policy-enforcement agents delivered through Moss Intelligence. The company holds ISO/IEC 27001:2022, SOC 2, GDPR, and DORA compliance, and is regulated under PSD2, providing regulatory and data-residency moats that are difficult for non-EU or unlicensed competitors to replicate quickly.

Name

Moss

Legal name

Nufin GmbH

Website

https://getmoss.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Short description

Moss is a Berlin-based, BaFin-regulated fintech that provides an integrated spend management platform combining corporate cards, accounts payable, reimbursements, and AI-powered pre-accounting for SMEs across Germany, the UK, Austria, and the Netherlands.

Ownership category

akta.pro rank

Product category

Spend Management Software

NAICS

Credit Card Issuing (52221)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)

akta.pro secondary industries

Prepaid Card Program Managers & Issuers (BIN Sponsors) (FSAMANAK), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

Keywords

• Corporate spend management
• Accounts payable automation
• Corporate credit cards
• Expense reimbursement software
• AI pre-accounting

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Subscription - Platform Fees: Modular pricing with base platform fee plus modules (Corporate Cards, Reimbursements, Accounts Payable) and paid add-ons (Advanced Controlling, Procurement, ERP, AI-Powered Accounting). Single platform fee regardless of number of users.
2. Transaction-based Fees: Variable fee based on volume of transactions (card transactions, invoices, reimbursements) processed each month. Allows unlimited user onboarding without incurring per-user costs.
3. Freemium Entry Tier: Free Plans available for small teams providing basic Corporate Cards or Accounts Payable functionality with limitations (up to 3 users, up to 20 invoices/month) to drive adoption and conversion to paid tiers.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Moss provides an integrated spend management platform that combines corporate credit and debit cards, accounts payable, employee reimbursements, bank transfers, and procurement workflows into a single system for SMEs. The platform is augmented by Moss Intelligence, an AI-powered finance assistant that automates pre-accounting, receipt chasing, invoice matching, and policy enforcement, syncing directly with 40+ accounting, ERP, and HR systems. Moss operates as a BaFin-regulated e-money institution issuing Mastercard-branded cards, with European regulatory compliance and multi-currency payment support across 70+ currencies.

Product overview

Moss is an integrated spend management platform offering a modular architecture with free and paid plans. The core platform includes Corporate Cards (Moss Credit up to €2,500,000 credit line and Moss Debit), Accounts Payable, Employee Reimbursements, and Bank Transfers. These core modules integrate with add-on features including Procurement (for purchase requests and PO management), Advanced Controlling (for budget tracking), Advanced Accounting (for AI-powered pre-accounting), and Moss Intelligence (autonomous AI agents). The platform serves SMEs across Germany, UK, Netherlands, Austria, and EU markets, regulated by BaFin as an e-money institution.

Differentiator

Problem solved

Functional benefit

Products and services

• Moss Spend Management Platform A unified spend management platform that centralizes corporate cards, accounts payable, reimbursements, bank transfers, and accounting automation in one system for SMEs across Europe.
• Corporate Cards Corporate credit and debit cards with spending controls, unlimited virtual cards, real-time tracking, and automatic receipt capture; includes Moss Credit (flexible credit line up to €2,500,000) and Moss Debit with self-set limits.
• Accounts Payable Invoice management software with automated approvals, OCR-based data extraction, purchase order matching, and multi-currency payment processing in 70+ currencies via SEPA and international rails.
• Employee Reimbursements Digital expense claim processing with mobile submission, OCR receipt capture, smart approval routing, automatic mileage calculation, and direct payout from Moss balance.
• Procurement Procure-to-pay workflow extending invoice management with purchase requests, purchase orders, budget tracking, and automated 2-way and 3-way invoice matching.
• Advanced Controlling Financial oversight with real-time budget tracking, spend insights, merchant spend visibility for subscriptions, and custom approval workflow structures.
• Advanced Accounting AI-powered pre-accounting with automated transaction coding, VAT handling, mandatory field enforcement, project and cost-centre tracking, and GoBD-certified digital recordkeeping.
• Bank Transfers Domestic and international bank transfer capabilities including SEPA, Faster Payments, and 70+ currency support with secure multi-user authorization and bulk payment scheduling.
• Moss Intelligence AI-powered finance assistant featuring autonomous agents for receipt chasing, automated pre-accounting, invoice verification, policy enforcement, and MCP server for connecting to external AI tools.
• Virtual Cards Unlimited instant virtual cards for projects, subscriptions, and one-time purchases with custom spending limits, merchant restrictions, and automatic accounting sync.

Quantifiable outcome

• 4x faster month-end close within 30 days
• +7 more outcomes

Named customers14 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration60 records

AI capability8 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core.

• AirwallexcoreTechnology or Integration · 18 November 2024Airwallex partnership enables Moss to embed global bank transfer capabilities using Airwallex's financial infrastructure. This integration optimizes and streamlines global payments for Moss customers, supporting payments in 70+ currencies.
• Deutsche BankcoreOthersDeutsche Bank safeguards EU customer funds under BaFin supervision. This partnership ensures business continuity and fund protection for European Moss customers.
• Barclays and Bank of EnglandcoreOthersPartnership with Barclays and Bank of England secures UK customer funds, supporting Moss's expansion in the UK market.
• MastercardcoreTechnology or IntegrationMoss cards are issued pursuant to a license by Mastercard International Incorporated. Moss GmbH operates as an e-money institution licensed by BaFin. Cards are accepted at over 29 million merchants worldwide.

Scale indicators12 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Spendesk: Spendesk is a France-based spend management platform offering corporate cards, virtual cards, AP automation, and expense management targeted at European SMBs and mid-market. It is Moss's closest direct competitor in Europe with overlapping product surface (cards + AP + reimbursements) and a similar SME customer profile.
• Pleo: Pleo is a Danish/UK corporate card and spend management company serving European SMEs with physical and virtual cards, expense management, and integrations to accounting tools. Its SMB-focused card-first model and DACH expansion roadmap put it in direct competition with Moss across multiple European markets.
• Brex: Brex is a US-headquartered spend management platform combining corporate cards, bill pay, reimbursements, and AI expense management primarily for venture-backed startups and SMBs. Although primarily US-focused, Brex shares the same product architecture and target customer type as Moss and represents the same competitive category.
• Ramp: Ramp is a US spend management company offering corporate cards, bill payments, expense automation, and procurement workflows to SMBs and mid-market companies. Its all-in-one cards-plus-AP-plus-reimbursements stack mirrors Moss's product positioning and serves as the US benchmark for Moss's category.
• Pliant: Pliant is a Berlin-based corporate card and spend management startup offering credit cards with API-based controls to European businesses. Its Berlin HQ and SME/mid-market card-first positioning make it a close geographic and product competitor to Moss in Germany and broader DACH.
• Soldo: Soldo is a UK/Italy-based spend management platform providing multi-user corporate cards, expense management, and AP automation primarily to mid-market and enterprise. Its multi-country European presence and card-plus-spend software stack overlap directly with Moss's offering.

Emerging players

• Airwallex: Airwallex is a global payments and banking platform offering multi-currency accounts, corporate cards, and cross-border transfers to SMBs. It is both a Moss partner (embedded global bank-rail integration announced Nov-2024) and an emerging competitor offering its own corporate card product to European customers.

Broad incumbents

• Stripe Issuing: Stripe Issuing is the card-issuance infrastructure product of Stripe that lets platforms create and manage commercial cards programmatically. It is not a direct SMB spend competitor but represents a foundational infrastructure alternative for embedded card programs in Moss's category.
• Mercury: Mercury is a US-based banking and spend platform offering business banking, corporate cards, bill pay, and accounting integrations to startups and SMBs. While primarily US-focused and broader than Moss in banking services, it competes in the same startup/SMB corporate card and AP category and is a comparable cloud-native spend platform.
• Bill.com: Bill.com is a US SMB-focused AP automation and corporate bill payment platform with spend management and card functionality. While broader and AP-centric, it competes in the same back-office automation category and represents the incumbent US benchmark for Moss's AP/reimbursement modules.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@moss_finance
• LinkedInlinkedin.com/company/moss-finance
• Instagraminstagram.com/moss_finance
• Xx.com/mosscredit

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds8 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moss