# Moss | Spend smarter, Payhawk vs Expensify Comparison

| | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Star Rating** | 4.7 out of 5 | 4.5 out of 5 | 4.5 out of 5 | 
| **Total Reviews** | 229 | 889 | 5,640 | 
| **Largest Market Segment** | Mid-Market (51.9% of reviews) | Mid-Market (58.9% of reviews) | Mid-Market (49.4% of reviews) | 
| **Entry Level Price** | Free | Contact Us Per Month | Free Trial | 

---
## Top Pros & Cons

### Moss | Spend smarter

Pros:
- Ease of Use (38 reviews)
- Expense Management (25 reviews)

Cons:
- Approval Issues (7 reviews)
- Learning Curve (5 reviews)

### Payhawk

Pros:
- Ease of Use (361 reviews)
- Expense Management (173 reviews)

Cons:
- Approval Issues (46 reviews)
- Missing Features (44 reviews)

### Expensify

Pros:
- Ease of Use (244 reviews)
- Expense Tracking (112 reviews)

Cons:
- Receipt Management (36 reviews)
- Manual Entry (34 reviews)

---
## Ratings Comparison
| Rating | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
  | **Meets Requirements** | 9.4 (186 reviews) | 8.9 (755 reviews) | 9.3 (4678 reviews) | 
  | **Ease of Use** | 9.4 (197 reviews) | 9.1 (778 reviews) | 9.1 (4728 reviews) | 
  | **Ease of Setup** | 9.0 (136 reviews) | 8.7 (602 reviews) | 8.7 (1054 reviews) | 
  | **Ease of Admin** | 9.0 (53 reviews) | 8.9 (347 reviews) | 8.2 (658 reviews) | 
  | **Quality of Support** | 9.0 (151 reviews) | 9.2 (615 reviews) | 8.9 (3182 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.0 (62 reviews) | 8.9 (337 reviews) | 8.4 (632 reviews) | 
  | **Product Direction (% positive)** | 9.8 (193 reviews) | 9.3 (757 reviews) | 8.5 (4554 reviews) | 

---
## Pricing

### Moss | Spend smarter

#### Entry-Level Pricing

Plan: Free Plan

Price: Free

Description: Start free with Cards or Accounts Payable. Upgrade anytime for full functionality.

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

[Browse all 4 editions](https://www.g2.com/products/moss-spend-smarter/pricing)

#### Free Trial

Yes

### Payhawk

#### Entry-Level Pricing

Plan: Travel

Price: Contact Us Per Month

Description: Book, pay, and manage compliant business travel anywhere in the world. Includes the Al Travel Agent

Key Features:
- Global hotel and flight booking with zero markup
- Custom travel policy
- Agentic memory for personal preferences

[Browse all 5 editions](https://www.g2.com/products/payhawk/pricing)

#### Free Trial

No

### Expensify

#### Entry-Level Pricing

Plan: Free Trial

Price: Free Trial

Key Features:
- Give Expensify a try today, for free!

[Browse all 3 editions](https://www.g2.com/products/expensify/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Expense Management

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | 8.7/10 | 178 |
| **Payhawk** | 8.2/10 | 666 |
| **Expensify** | 8.8/10 | 4148 |

#### Expense Reports

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Ease of Creating Expense Reports** | 8.9 (151 reviews) | 8.6 (607 reviews) | 9.2 (3842 reviews) ✓ Verified | 
| **Bank / Credit Card Integration** | Feature Not Available | 8.7 (597 reviews) | 8.8 (2865 reviews) ✓ Verified | 
| **Smart Categorization** | 8.8 (149 reviews) | 8.2 (594 reviews) | 8.5 (3310 reviews) ✓ Verified | 
| **Digital Receipt Management** | 9.4 (164 reviews) | 8.9 (605 reviews) | 9.1 (3745 reviews) ✓ Verified | 
| **Employee Reimbursement** | 9.1 (150 reviews) | 8.9 (596 reviews) | 9.3 (3431 reviews) ✓ Verified | 
| **Currency Conversions** | Feature Not Available | 8.4 (583 reviews) | 8.9 (1959 reviews) ✓ Verified | 
| **Credit Card Integration** | Feature Not Available | 8.4 (535 reviews) | 8.8 (2234 reviews) ✓ Verified | 

#### Agentic AI - Expense Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Autonomous Task Execution** | 7.6 (32 reviews) | 7.9 (66 reviews) | 8.0 (81 reviews) | 
| **Cross-system Integration** | 7.9 (32 reviews) | 7.9 (66 reviews) | 8.3 (83 reviews) | 

#### Travel Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Ease of Booking** | Feature Not Available | 7.8 (529 reviews) | 8.8 (1552 reviews) | 
| **Itinerary Management** | Feature Not Available | 7.3 (487 reviews) | 8.6 (1395 reviews) ✓ Verified | 
| **Trip Notifications** | Feature Not Available | 7.5 (61 reviews) | 8.6 (1394 reviews) ✓ Verified | 
| **Advanced Integrations** | 8.4 (129 reviews) | 7.5 (505 reviews) | 8.7 (1388 reviews) ✓ Verified | 

#### Client Invoicing

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Invoice Creation and Delivery** | Feature Not Available | Feature Not Available | 8.9 (1660 reviews) ✓ Verified | 
| **Electronic Payments** | Feature Not Available | Feature Not Available | 9.0 (1766 reviews) ✓ Verified | 
| **Project Accounting / Revenue Recognition** | Feature Not Available | Feature Not Available | 8.8 (1458 reviews) ✓ Verified | 

#### Generative AI - Expense Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Image-to-Text** | Not enough data | Not enough data | 7.1 (7 reviews) | 
| **Text Generation** | Not enough data | Not enough data | Not enough data | 
| **Text Summarization** | Not enough data | Not enough data | Not enough data | 

#### Mobile

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Receipt Capture** | 9.4 (159 reviews) | 8.8 (574 reviews) | 9.2 (3618 reviews) ✓ Verified | 
| **Mileage Tracking** | Feature Not Available | 7.6 (499 reviews) | 8.9 (2293 reviews) ✓ Verified | 
| **Travel Itinerary and Flight Status Updates** | Feature Not Available | 7.1 (465 reviews) | 8.8 (1519 reviews) ✓ Verified | 

#### Platform

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Embedded AI / Machine Learning** | Feature Not Available | 7.7 (507 reviews) | 8.5 (1574 reviews) ✓ Verified | 
| **Complex Approval Workflow** | Feature Not Available | 7.9 (518 reviews) | 8.6 (1756 reviews) ✓ Verified | 

#### Administration

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **PCI Regulation Compliant** | 8.4 (117 reviews) | 8.1 (467 reviews) | 8.8 (1279 reviews) ✓ Verified | 

#### Administration

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Business Tool Integration** | 8.5 (139 reviews) | 8.1 (531 reviews) | 8.8 (1761 reviews) ✓ Verified | 
| **Workflow** | 8.8 (145 reviews) | 8.3 (555 reviews) | 9.0 (2090 reviews) ✓ Verified | 
| **Automated Reminders** | 8.9 (149 reviews) | 8.4 (541 reviews) | 9.0 (2130 reviews) ✓ Verified | 
| **Policy Compliance Management** | 8.6 (135 reviews) | 8.3 (518 reviews) | 8.9 (1834 reviews) ✓ Verified | 
| **User, Role, and Access Management** | 8.9 (137 reviews) | 8.5 (541 reviews) | 9.0 (2065 reviews) ✓ Verified | 

#### Platform

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Reporting** | 8.6 (129 reviews) | 8.3 (529 reviews) | 9.1 (2261 reviews) ✓ Verified | 
| **APIs / Integration** | 8.3 (122 reviews) | 8.0 (497 reviews) | 8.7 (1396 reviews) ✓ Verified | 
| **Internationalization** | 8.6 (124 reviews) | 8.2 (500 reviews) | 8.8 (1434 reviews) ✓ Verified | 
| **Performance and Reliability** | 9.4 (148 reviews) | 8.7 (550 reviews) | 9.2 (2540 reviews) ✓ Verified | 
| **Mobile User Support** | 9.1 (139 reviews) | 8.7 (531 reviews) | 9.1 (2204 reviews) ✓ Verified | 
| **Offline** | 7.6 (118 reviews) | Feature Not Available | 8.6 (1472 reviews) ✓ Verified | 

### Mileage Tracking

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | N/A | N/A |
| **Payhawk** | N/A | N/A |
| **Expensify** | N/A | N/A |

#### Setup

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Vehicles** | Not enough data | Feature Not Available | Not enough data | 
| **Employees** | Not enough data | Feature Not Available | Not enough data | 
| **Travel Types** | Not enough data | Feature Not Available | Not enough data | 
| **Locations** | Not enough data | Not enough data | Not enough data | 

#### Tracking

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Mileage** | Not enough data | Not enough data | Not enough data | 
| **Logs** | Not enough data | Not enough data | Not enough data | 
| **Automation** | Not enough data | Not enough data | Not enough data | 

#### Reimbursement

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Reimbursement** | Not enough data | Not enough data | Not enough data | 
| **Expenses** | Not enough data | Not enough data | Not enough data | 
| **Workflows** | Not enough data | Not enough data | Not enough data | 

#### Platform - Mileage Tracking

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Reporting** | Not enough data | Not enough data | Not enough data | 
| **Customer Support** | Not enough data | Not enough data | Not enough data | 

#### Agentic AI - Mileage Tracking

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 
| **Adaptive Learning** | Not enough data | Not enough data | Not enough data | 

### Spend Management

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | 8.7/10 | 63 |
| **Payhawk** | 8.3/10 | 272 |
| **Expensify** | N/A | N/A |

#### Setup

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Data** | 8.3 (40 reviews) | 8.3 (235 reviews) | Not enough data | 
| **Approvals** | 8.9 (45 reviews) | 8.6 (249 reviews) | Not enough data | 
| **Alignment** | 8.5 (41 reviews) | 8.5 (240 reviews) | Not enough data | 

#### Performance

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **KPIs** | 8.2 (38 reviews) | Feature Not Available | Not enough data | 
| **Benchmarks** | 8.0 (36 reviews) | 7.9 (211 reviews) | Not enough data | 
| **Forecasting** | 8.2 (36 reviews) | 7.5 (216 reviews) | Not enough data | 
| **Savings** | 8.4 (36 reviews) | Feature Not Available | Not enough data | 

#### Payment Cards

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **One-time Virtual** | 9.5 (46 reviews) | 7.9 (40 reviews) | Not enough data | 
| **Recurring Virtual** | 9.3 (48 reviews) | 8.9 (217 reviews) | Not enough data | 
| **Physical** | 9.3 (52 reviews) | 8.7 (222 reviews) | Not enough data | 

#### Reporting

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Real time** | 9.2 (48 reviews) | 8.7 (221 reviews) | Not enough data | 
| **Multiple Views** | 8.5 (35 reviews) | 8.6 (220 reviews) | Not enough data | 
| **Export** | 8.7 (38 reviews) | 8.5 (219 reviews) | Not enough data | 
| **Budgets** | 8.5 (42 reviews) | 8.0 (208 reviews) | Not enough data | 

#### Payments

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Vendor** | 8.7 (42 reviews) | 8.3 (217 reviews) | Not enough data | 
| **Recurring** | 9.0 (39 reviews) | 8.3 (219 reviews) | Not enough data | 
| **Employee Reimbursements** | 9.2 (45 reviews) | 8.8 (222 reviews) | Not enough data | 
| **ACH** | 8.2 (33 reviews) | 7.9 (197 reviews) | Not enough data | 

#### Fraud & Risk Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Notifications** | 8.8 (40 reviews) | 8.4 (216 reviews) | Not enough data | 
| **Unique Cards** | 9.1 (43 reviews) | 8.6 (206 reviews) | Not enough data | 
| **Controls** | 9.2 (40 reviews) | 8.9 (217 reviews) | Not enough data | 

#### Agentic AI - Spend Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Proactive Assistance** | 8.1 (12 reviews) | 7.8 (32 reviews) | Not enough data | 

### Procure to Pay

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | N/A | N/A |
| **Payhawk** | N/A | N/A |
| **Expensify** | N/A | N/A |

#### Planning

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Processes** | Not enough data | Not enough data | Not enough data | 
| **Contracts** | Not enough data | Not enough data | Not enough data | 
| **Content** | Not enough data | Not enough data | Not enough data | 
| **Requisition** | Not enough data | Not enough data | Not enough data | 

#### Execution

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Sourcing** | Not enough data | Feature Not Available | Not enough data | 
| **Purchasing** | Not enough data | Not enough data | Not enough data | 
| **Invoicing** | Not enough data | Not enough data | Not enough data | 

#### Analytics

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Visibility** | Not enough data | Not enough data | Not enough data | 
| **Performance** | Not enough data | Not enough data | Not enough data | 
| **Spend** | Not enough data | Not enough data | Not enough data | 

#### Agentic AI -  Procure to Pay

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Multi-step Planning** | Not enough data | Not enough data | Not enough data | 

### AP Automation

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | N/A | N/A |
| **Payhawk** | 8.3/10 | 81 |
| **Expensify** | N/A | N/A |

#### Invoice Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Capture** | Not enough data | 9.0 (72 reviews) | Not enough data | 
| **Supplier Portal** | Not enough data | 7.7 (66 reviews) | Not enough data | 
| **Repository** | Not enough data | 8.6 (69 reviews) | Not enough data | 

#### Invoice Processing

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Matching** | Not enough data | 8.5 (65 reviews) | Not enough data | 
| **Payments** | Not enough data | 8.6 (69 reviews) | Not enough data | 
| **Workflows** | Not enough data | 8.8 (72 reviews) | Not enough data | 
| **Tax Compliance** | Not enough data | 8.3 (66 reviews) | Not enough data | 

#### Analytics

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Due Dates** | Not enough data | 8.6 (67 reviews) | Not enough data | 
| **Benchmarking** | Not enough data | 8.1 (66 reviews) | Not enough data | 
| **KPIs** | Not enough data | 7.8 (64 reviews) | Not enough data | 

#### Integration

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Accounting** | Not enough data | 8.8 (72 reviews) | Not enough data | 
| **Payment Integration** | Not enough data | 8.6 (66 reviews) | Not enough data | 
| **ERP** | Not enough data | 8.5 (71 reviews) | Not enough data | 

#### Risk

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Analysis** | Not enough data | Feature Not Available | Not enough data | 
| **Identification** | Not enough data | Feature Not Available | Not enough data | 
| **Scoring** | Not enough data | Feature Not Available | Not enough data | 

#### Recovery

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Recoup** | Not enough data | Feature Not Available | Not enough data | 
| **Reporting** | Not enough data | Feature Not Available | Not enough data | 

#### Audit

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Filters** | Not enough data | 8.2 (63 reviews) | Not enough data | 
| **Post Audits** | Not enough data | 8.3 (60 reviews) | Not enough data | 
| **Overpayments** | Not enough data | 7.9 (59 reviews) | Not enough data | 
| **Duplicates** | Not enough data | 8.4 (61 reviews) | Not enough data | 

#### Fraud

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Vendor Checks** | Not enough data | 8.1 (59 reviews) | Not enough data | 
| **Data Generation** | Not enough data | 8.3 (61 reviews) | Not enough data | 
| **Monitoring** | Not enough data | 8.3 (60 reviews) | Not enough data | 

#### Agentic AI - AP Automation

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | 8.2 (13 reviews) | Not enough data | 
| **Proactive Assistance** | Not enough data | 7.9 (13 reviews) | Not enough data | 
| **Decision Making** | Not enough data | 7.9 (13 reviews) | Not enough data | 

### Invoice Management

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | 8.4/10 | 51 |
| **Payhawk** | 8.2/10 | 282 |
| **Expensify** | N/A | N/A |

#### Invoice Generation

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Templates** | 7.9 (32 reviews) | Feature Not Available | Not enough data | 
| **Digital Invoices** | 9.0 (37 reviews) | Feature Not Available | Not enough data | 
| **Recurring Invoices** | 8.5 (34 reviews) | Feature Not Available | Not enough data | 

#### Invoice Processing

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Approvals** | 8.7 (39 reviews) | 8.6 (256 reviews) | Not enough data | 
| **Batch Processing** | 8.4 (33 reviews) | 8.1 (230 reviews) | Not enough data | 
| **Consolidation** | 8.0 (32 reviews) | 8.1 (233 reviews) | Not enough data | 
| **Match Invoices** | 8.8 (41 reviews) | 8.3 (248 reviews) | Not enough data | 

#### Analytics

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Due Dates** | 8.4 (29 reviews) | 8.3 (235 reviews) | Not enough data | 
| **Cashflow** | 8.4 (27 reviews) | 7.9 (224 reviews) | Not enough data | 
| **KPIs** | 7.7 (24 reviews) | Feature Not Available | Not enough data | 
| **Payment Tracking** | 8.6 (30 reviews) | 8.3 (237 reviews) | Not enough data | 

#### Integration

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Accounting** | 9.0 (42 reviews) | 8.5 (252 reviews) | Not enough data | 
| **Payments** | 9.0 (38 reviews) | 8.6 (249 reviews) | Not enough data | 
| **ERP** | 8.5 (33 reviews) | 7.9 (232 reviews) | Not enough data | 
| **Account Sync** | 8.9 (36 reviews) | 8.4 (237 reviews) | Not enough data | 

#### Agentic AI - Invoice Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Cross-system Integration** | 7.9 (14 reviews) | 7.9 (26 reviews) | Not enough data | 
| **Adaptive Learning** | 7.7 (13 reviews) | 7.9 (26 reviews) | Not enough data | 
| **Proactive Assistance** | 8.1 (13 reviews) | 8.0 (26 reviews) | Not enough data | 

### Travel Management

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | N/A | N/A |
| **Payhawk** | 7.6/10 | 569 |
| **Expensify** | 8.8/10 | 3781 |

#### Expense Reporting

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Expense Automation** | Not enough data | Not enough data | 9.5 (114 reviews) | 
| **Integration** | Not enough data | Not enough data | 9.2 (87 reviews) | 
| **Compliance** | Not enough data | Not enough data | 9.5 (89 reviews) | 
| **Mobile Functionality** | Not enough data | Not enough data | 9.4 (108 reviews) | 

#### Travel Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Ease of Booking** | Feature Not Available | 7.8 (529 reviews) | 8.8 (1552 reviews) | 
| **Itinerary Management** | Feature Not Available | 7.3 (487 reviews) | 8.6 (1395 reviews) ✓ Verified | 
| **Trip Notifications** | Feature Not Available | 7.5 (61 reviews) | 8.6 (1394 reviews) ✓ Verified | 
| **Advanced Integrations** | 8.4 (129 reviews) | 7.5 (505 reviews) | 8.7 (1388 reviews) ✓ Verified | 

#### Approval 

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Rules** | Not enough data | Not enough data | 9.3 (104 reviews) | 
| **Workflows** | Not enough data | Not enough data | 9.5 (97 reviews) | 
| **Submit** | Not enough data | Not enough data | 9.6 (108 reviews) | 

#### AI - Travel Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Personalization** | Not enough data | Not enough data | 8.0 (44 reviews) | 
| **Predictive Analytics** | Not enough data | Feature Not Available | 8.2 (44 reviews) | 
| **Cost Savings** | Not enough data | Not enough data | 8.3 (45 reviews) | 
| **Efficiency** | Not enough data | Feature Not Available | 8.7 (46 reviews) | 
| **Real-Time Assistance** | Not enough data | Feature Not Available | 8.5 (45 reviews) | 

#### Agentic AI - Travel Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 7.5 (21 reviews) | 
| **Proactive Assistance** | Not enough data | Not enough data | 7.5 (21 reviews) | 

#### Employee Risk Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Emergency Assistance Integration** | Not enough data | Not enough data | Not enough data | 
| **Policy Enforcement & Compliance** | Not enough data | Feature Not Available | Not enough data | 
| **Traveler Tracking** | Not enough data | Feature Not Available | Not enough data | 
| **Risk Alerts & Safety Notifications** | Not enough data | Not enough data | Not enough data | 

#### Sustainability & Reporting

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Sustainability Reporting** | Not enough data | Not enough data | Not enough data | 
| **Green Travel Recommendations** | Not enough data | Feature Not Available | Not enough data | 
| **Carbon Emissions Tracking** | Not enough data | Feature Not Available | Not enough data | 

### Payment Card Issuance

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | N/A | N/A |
| **Payhawk** | 8.3/10 | 289 |
| **Expensify** | N/A | N/A |

#### Card Management

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Card Types** | Not enough data | 8.8 (268 reviews) | Not enough data | 
| **Card Controls** | Not enough data | 8.8 (272 reviews) | Not enough data | 
| **Card Personalization** | Not enough data | Feature Not Available | Not enough data | 
| **Configuration** | Not enough data | 8.7 (242 reviews) | Not enough data | 
| **Fulfillment** | Not enough data | 7.8 (43 reviews) | Not enough data | 
| **Replacement** | Not enough data | 8.6 (245 reviews) | Not enough data | 

#### Controls

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Tokenization** | Not enough data | 7.8 (214 reviews) | Not enough data | 
| **Security** | Not enough data | 8.4 (248 reviews) | Not enough data | 
| **Card Networks** | Not enough data | 8.6 (232 reviews) | Not enough data | 
| **Integration** | Not enough data | 8.3 (239 reviews) | Not enough data | 
| **Testing** | Not enough data | 7.8 (225 reviews) | Not enough data | 
| **APIs** | Not enough data | 7.9 (214 reviews) | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **Moss | Spend smarter** | N/A | N/A |
| **Payhawk** | N/A | N/A |
| **Expensify** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Expense Management Software](https://www.g2.com/categories/expense-management)

**Unique to Moss | Spend smarter (2):** [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Spend Management Software](https://www.g2.com/categories/spend-management)

**Unique to Payhawk (7):** [Payment Card Issuance Software](https://www.g2.com/categories/payment-card-issuance), [Spend Management Software](https://www.g2.com/categories/spend-management), [Mileage Tracking Software](https://www.g2.com/categories/mileage-tracking), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation), [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Travel Management Software](https://www.g2.com/categories/travel-management), [Procure to Pay Software](https://www.g2.com/categories/procure-to-pay)

**Unique to Expensify (1):** [Travel Management Software](https://www.g2.com/categories/travel-management)


---
## Reviewer Demographics

### By Company Size

| Segment | Moss | Spend smarter | Payhawk | Expensify | 
|---|---|---|---|
| **Small-Business** | 43.9% | 31.7% | 35.1% | 
| **Mid-Market** | 51.9% | 58.9% | 49.4% | 
| **Enterprise** | 4.2% | 9.4% | 15.5% | 

### By Industry

#### Moss | Spend smarter

- **Computer Software:** 12.4%
- **Information Technology and Services:** 9.6%
- **Market Research:** 8.1%
- **Marketing and Advertising:** 6.2%
- **Hospitality:** 5.3%
- **Hospital & Health Care:** 3.8%
- **Accounting:** 3.3%
- **Consulting:** 3.3%
- **Financial Services:** 2.9%
- **Pharmaceuticals:** 2.4%
- **Other:** 42.6%

#### Payhawk

- **Computer Software:** 14.7%
- **Information Technology and Services:** 11.2%
- **Financial Services:** 6.5%
- **Accounting:** 6.1%
- **Marketing and Advertising:** 4.0%
- **Leisure, Travel & Tourism:** 2.7%
- **Construction:** 2.0%
- **Retail:** 1.8%
- **Computer & Network Security:** 1.7%
- **Automotive:** 1.7%
- **Other:** 47.5%

#### Expensify

- **Computer Software:** 16.2%
- **Information Technology and Services:** 11.4%
- **Marketing and Advertising:** 4.7%
- **Internet:** 4.6%
- **Financial Services:** 4.1%
- **Non-Profit Organization Management:** 3.6%
- **Hospital & Health Care:** 3.1%
- **Accounting:** 2.6%
- **Education Management:** 2.6%
- **Religious Institutions:** 1.6%
- **Other:** 45.4%

---
## Alternatives

### Alternatives to Moss | Spend smarter

- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2419 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9090 reviews)
- [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews)
- [Circula](https://www.g2.com/products/circula/reviews) — 4.6/5 stars (1058 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (407 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1573 reviews)
- [Zoho Expense](https://www.g2.com/products/zoho-expense/reviews) — 4.5/5 stars (1521 reviews)

### Alternatives to Payhawk

- [Spendesk](https://www.g2.com/products/spendesk/reviews) — 4.6/5 stars (413 reviews)
- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2419 reviews)
- [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1573 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9090 reviews)
- [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (407 reviews)
- [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) — 4.5/5 stars (2100 reviews)
- [Corpay Complete](https://www.g2.com/products/corpay-complete/reviews) — 4.6/5 stars (387 reviews)

### Alternatives to Expensify

- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9090 reviews)
- [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7055 reviews)
- [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2419 reviews)
- [Emburse Expense Professional (formerly Certify Expense)](https://www.g2.com/products/emburse-expense-professional-formerly-certify-expense/reviews) — 4.5/5 stars (2384 reviews)
- [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1573 reviews)
- [Happay](https://www.g2.com/products/happay/reviews) — 4.5/5 stars (431 reviews)
- [TravelBank](https://www.g2.com/products/travelbank/reviews) — 4.5/5 stars (378 reviews)
- [Perk (formerly TravelPerk)](https://www.g2.com/products/perk-formerly-travelperk/reviews) — 4.6/5 stars (1969 reviews)
- [Paylocity](https://www.g2.com/products/paylocity/reviews) — 4.4/5 stars (5318 reviews)
- [Webexpenses](https://www.g2.com/products/signifo-webexpenses/reviews) — 4.4/5 stars (2124 reviews)

---
## Top Discussions

### Moss | Spend smarter

No discussions available for this product.

### Payhawk

- Title: [Payhawk incentivises gift card without any remarks - then G2 says 'not eligible'](https://www.g2.com/discussions/payhawk-incentivises-gift-card-without-any-remarks-then-g2-says-not-eligible) — 2 comments, 1 upvote *(includes official response)*
  > **Top comment:** "Hello Sebastian,

It appears that your G2 voucher has been marked as redeemed. If this isn’t correct or you need any assistance, please let us know. 🙌
"

### Expensify

- Title: [Is there a free version of expensify?](https://www.g2.com/discussions/is-there-a-free-version-of-expensify) — 9 comments
  > **Top comment:** "Yes for personal accounts, 
No for business accounts"
- Title: [How do employees get reimbursed through Expensify? And,  how long does reimbursement take?](https://www.g2.com/discussions/reimbursement) — 5 comments, 1 upvote *(includes official response)*
  > **Top comment:** "Employees can be reimbursed with Next Day Direct Deposit (via ACH) or PayPal. Currently offered in Australia and U.S., as soon as reports are approved, rapid..."
- Title: [What is expensify used for?](https://www.g2.com/discussions/what-is-expensify-used-for) — 4 comments
  > **Top comment:** "Reimbursments"
- Title: [Do you know if we can just email Expense and those can be recorded as well?](https://www.g2.com/discussions/do-you-know-if-we-can-just-email-expense-and-those-can-be-recorded-as-well) — 4 comments, 1 upvote
  > **Top comment:** "Yes, you can emails receipts to be recorded to receipts@expensify.com "
- Title: [What is Expensify used for?](https://www.g2.com/discussions/expensify-what-is-expensify-used-for) — 3 comments
  > **Top comment:** "Logging business expenses to be reimbursed by your employer. "

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/moss-spend-smarter-vs-payhawk-vs-expensify)