Moss and Pleo are the two most-searched expense management platforms among UK finance teams, and the choice between them comes down to one core trade-off: a free tier with no per-user fee, or fully published pricing with cashback rewards. Moss wins for teams that want to start free and never pay more just because they hired someone. Pleo wins for teams that want to know the exact monthly cost before they book a demo, and who value cashback on card spend over flat-fee flexibility.
Both platforms issue physical and virtual company cards, use AI to read receipts, and sync with Xero and QuickBooks, so the real differences sit in pricing structure, support quality and extras like cashback. This guide compares verified UK pricing, features and Trustpilot sentiment for Moss and Pleo side by side, so you can shortlist in minutes rather than booking two separate demos. For the full market picture beyond these two, see our best expense management software guide.
- Moss has no per-user fee - free for up to 3 users with unlimited cards, and no per-user charge as you grow.
- Pleo wins on price transparency - published prices from £8 per user a month, so you know the cost before a sales call.
- Cashback only comes with Pleo - eligible customers on Optimise, Scale and Lead, rate not published; Moss charges a flat fee instead.
- Support sentiment favours Moss - Trustpilot sits around 4/5 for Moss versus around 3.7/5 for Pleo, with support speed the main complaint.
- Per-user fees compound fast - Pleo’s per-user charge (£8-£18) can outstrip Moss’s no-per-user model once you pass a handful of staff.
At a Glance: Moss vs Pleo
Moss and Pleo both offer corporate cards, receipt OCR and accounting sync, but they price and reward spend in very different ways. The table below lines up the numbers that matter most, free tier, starting price, per-user fees and cashback, so you can compare the two platforms before reading the full detail.
| Metric | Moss | Pleo |
|---|---|---|
| Free tier | Yes, up to 3 users | No |
| Starting price | Free; paid on quote | £8/user/mo (Start) |
| Per-user fee | None | £8-£18 per user (Small plans) |
| Cashback | None | Eligible customers (Optimise, Scale, Lead); rate not published |
| Best for | Xero/QuickBooks SMEs avoiding per-user costs | Small teams wanting published pricing |
Pricing Compared
Moss and Pleo take opposite approaches to pricing. Moss leads with a genuine free tier and a quote-only paid model with no per-user charge, while Pleo publishes its prices but charges per user on its Small-business plans. Here is what each provider actually costs.
Moss’s free plan covers up to 3 users with unlimited physical and virtual cards and up to 20 invoices a month, enough for a small team to run real spend before paying anything. Paid pricing is a flat platform fee, charged by module (Corporate Cards, Reimbursements, Accounts Payable), plus a variable fee based on monthly transaction volume. Crucially, there is no per-user charge, so hiring more staff does not automatically increase the bill. The trade-off is that exact paid figures are not published, so a growing team needs a quick sales call to size the real cost. Read our full Moss review for the complete breakdown.
Pleo publishes its pricing for small and mid-sized teams, which is rarer than it should be in this market. Start is £8 per user a month, billed monthly, with one admin, one vendor card and no reimbursements, mileage or approval workflows. Build (£14) and Optimise (£18) are priced per user a month, billed yearly with a three-user minimum. Build adds mileage tracking, reimbursements and approval workflows; Optimise adds cashback for eligible customers, budgets and HRIS integrations. For 50-1,000 employees, Scale starts from £249 a month and Lead from £499 a month. There is no free tier, but the entry price is low enough for a small team to trial properly before committing to a paid plan.
Features Compared
Both platforms cover the fundamentals: physical and virtual cards, AI-assisted receipt capture, configurable approvals and accounting sync. Where they diverge is depth, Moss stretches further into accounts payable and multi-system integrations, while Pleo keeps a tighter, card-first feature set built around fast, self-serve expense reporting.
Moss integrates with 50+ systems, including Xero, QuickBooks, NetSuite, SAP, Dynamics 365 and Datev, and adds accounts payable plus invoice automation alongside cards and reimbursements, with multi-currency cards covering 70+ currencies. Pleo covers physical and virtual cards, automated expense reports and real-time tracking on every plan, with mileage tracking, reimbursements and approval workflows unlocked from Build upwards, HRIS integrations from Optimise, and multi-entity management on its Scale plan. If your team also needs physical company cards for day-to-day spend outside either platform, our business expense cards guide covers the wider market.
Cashback & Extras
Cashback is the clearest extra separating these two platforms. Moss charges a flat fee with no reward mechanism, while Pleo pays cashback to eligible customers on its higher tiers, though it does not publish the rate.
Pleo’s Optimise plan (£18 per user a month, billed yearly) includes cashback for eligible customers, and so do Scale and Lead. Pleo does not publish the rate, so you cannot work out the return before you ask. Moss has no equivalent reward scheme; its pitch is the no-per-user-fee pricing itself rather than cashback on top. For a business putting heavy volume through cards, ask Pleo for the cashback rate before counting it against the per-user fees that come with growing a team. Read our Pleo review for the full feature list.
Support & Reviews
On Trustpilot, Moss skews positive at around 4/5, with responsive support and ease of use the recurring praise in reviews. Pleo sits lower, around 3.7/5, where users still praise ease of use but the recurring complaint is customer-support response times. These are third-party scores, not independently verified by us, but the gap is consistent enough to weigh if support responsiveness matters to your team. If support speed is a dealbreaker for you, Moss currently has the stronger review pattern of the two.
Which Should You Choose?
The right pick depends on how your team is likely to grow and whether cashback or published pricing matters more to you. Use the decision framework below, then read the full reviews for either provider before you commit to a demo call.
Choose Moss if you want a genuine free tier, no per-user fee as you hire, and deep accounts payable plus multi-system integrations alongside cards. It suits UK and EU SMEs already on Xero or QuickBooks that expect to grow past a handful of users and want the bill to stay flat while headcount rises.
Choose Pleo if you want to see the exact price before you talk to anyone, run a small, card-first team, and would value cashback on card spend as you scale into the higher tiers. It also suits teams that plan to stay under 10-15 users, where the per-user fee stays manageable.
If expenses are just one piece of a wider finance stack, pair whichever platform you choose with dedicated payroll software rather than expecting either tool to run PAYE. Both Moss and Pleo handle cards, receipts and approvals well; the decision genuinely comes down to your pricing preference and how fast your headcount is growing.
Last updated: July 2026. Pricing for Moss and Pleo is verified against each provider’s live UK site at the time of writing and can change; always confirm current rates and terms directly with the provider before purchasing.
