Spend Management
Compare selected fees, account options and features using information checked against published provider sources.
Information is provided for comparison and does not constitute a recommendation. Features, fees and eligibility can change. Confirm current terms with each provider.
Compare
| Feature | Moss | Payhawk |
|---|---|---|
| Cards issued | Yes | Yes |
| Virtual cards | Yes | Yes |
| Physical cards | Not publicly stated | Yes |
| Expense management | Yes | Yes |
| Approval workflows | Yes | Yes |
| Spend controls | Yes | Yes |
| Mobile app | Yes | Yes |
| Self-serve signup | Yes | Not publicly stated |
| Free trial | Not publicly stated | Yes |
Who this helps
Neutral scenarios only — this is not a recommendation.
You may want to compare these providers if you are deciding between Moss and Payhawk for spend management and want to see selected published fees and features side by side.
Spend management platform bringing cards, invoices, reimbursements, approvals and accounting automation together. SMEs; affiliate page states target audience of approximately 10–500 employees. Free plans: up to 3 users with unlimited cards and up to 20 invoices/month. Paid plans: unlimited users/cards, advanced approvals and budget controls; platform fee plus transaction-volume-based variable fee. These are recorded comparison figures, not a personalised quote.
Moss profileSpend management and finance orchestration platform with cards, expenses, bill pay, procurement, budgets and multi-entity controls. Small businesses through multi-entity and enterprise finance teams. Current pricing page describes modular pricing. A UK/EEA Growth programme is advertised from £149/month for 24 months for eligible single-entity businesses with fewer than 20 employees; treat as eligibility-specific promotional pricing. These are recorded comparison figures, not a personalised quote.
Payhawk profileBefore you choose
FAQs
Details checked 2026-09-15 / 2026-09-15. Canonical URL: https://witmoney.co.uk/compare/spend-management/moss-vs-payhawk.