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Moss Pricing 2026

Plans, hidden costs, and cheaper alternatives compared

Is Moss worth the price?

75/10

Moss offers a generous Free Plan for small businesses with up to 3 users and 20 invoices, which is excellent for basic spend management.

The 'from $99/Month' for Paid Plans suggests a scalable but potentially expensive jump for growing businesses, especially if the starting price is for a limited feature set or user count. It's best for small businesses looking for a free entry point into spend management, or larger companies needing comprehensive features willing to pay a premium.

Pricing Plans

Free Plans

Free

  • Up to 3 users with unlimited cards
  • Up to 20 invoices per month (Accounts Payable)
  • Customisable approval & verification steps

Paid Plans

from 99$/Month

  • Unlimited users, cards & invoices
  • Advanced approval flows & budget controls
  • Accounting integrations and access to add-ons
  • Smart user management with HR software integrations
  • 1:1 onboarding support

Hidden Costs & Gotchas

Paid plan 'from' price implies higher costs

Add-ons for advanced features not included

No annual discount mentioned, only monthly

Potential for per-user or transaction fees

Which Plan Do You Need?

Small teams needing free spend management

Businesses scaling spend and approvals

Companies valuing accounting integrations

How Moss Compares to Competitors

Compared to Brex, which often targets larger enterprises with more complex needs and higher transaction volumes, Moss's Free Plan offers a more accessible entry point for smaller businesses. However, for the 'from $99/Month' Paid Plans, competitors like Ramp or Spendesk might offer more transparent pricing tiers or a broader suite of features at similar or potentially lower starting points for growing businesses, depending on specific requirements.

Moss Pricing FAQ

How much does Moss cost?

Moss starts at $99/month on the Paid Plans plan. A free plan is also available with limited features.

Does Moss have a free plan?

Yes. Moss offers a free plan called "Free Plans". It includes: Up to 3 users with unlimited cards, Up to 20 invoices per month (Accounts Payable), Customisable approval & verification steps.

Is there a cheaper alternative to Moss?

Yes. Popular alternatives to Moss include Divvy, Rexi. Free alternatives include Divvy. Compare them side-by-side on Toolradar.

Cheaper alternatives to Moss

Direct competitors with similar features. Many offer free tiers or lower per-seat pricing.