# Moss | Spend smarter vs Spendesk Comparison --- ## AI Generated Summary - **G2 reviewers report** that Moss | Spend smarter excels in user-friendliness, with many users highlighting its intuitive interface and seamless mobile app experience. One user mentioned, "I'm not the most tech-savvy person, but Moss is a really convenient and easy to use system." - **Users say** Spendesk offers a clean and intuitive interface, making it easy to navigate through expense management tasks. Reviewers appreciate the clear process for expense payments and the ability to create online cards for marketing purchases, stating, "the app worked really well." - **According to verified reviews** , Moss | Spend smarter has a stronger market presence with a higher G2 Score, indicating overall user satisfaction. This is reflected in the recent influx of reviews, with 28 new reviews in the last 90 days compared to just 1 for Spendesk, suggesting a more active user base. - **Reviewers mention** that Spendesk's budgeting and spending control features are well-received, with users noting the effectiveness of its budgeting system. However, some users feel that it may not fully meet their specific workflow needs, indicating potential configuration challenges. - **Users highlight** the quality of support provided by both platforms, with Moss | Spend smarter receiving praise for its responsive tech support. One user noted, "Tech support is also very responsive," which can be crucial for businesses needing quick assistance. - **G2 reviewers indicate** that while both products are easy to use, Moss | Spend smarter slightly edges out in setup ease, with users appreciating the straightforward onboarding process. This is particularly beneficial for teams looking to implement expense management solutions quickly and efficiently. | | Moss | Spend smarter | Spendesk | |---|---|---| | **Star Rating** | 4.7 out of 5 | 4.6 out of 5 | | **Total Reviews** | 234 | 413 | | **Largest Market Segment** | Mid-Market (52.1% of reviews) | Mid-Market (63.8% of reviews) | | **Entry Level Price** | Free | Contact Us Per Month | --- ## 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) ### Spendesk Pros: - Ease of Use (3 reviews) - Customer Satisfaction (1 reviews) Cons: - Approval Issues (2 reviews) - Credit Issues (2 reviews) --- ## Ratings Comparison | Rating | Moss | Spend smarter | Spendesk | |---|---|---| | **Meets Requirements** | 9.4 (190 reviews) | 9.2 (351 reviews) | | **Ease of Use** | 9.4 (202 reviews) | 9.4 (353 reviews) | | **Ease of Setup** | 9.0 (141 reviews) | 8.6 (88 reviews) | | **Ease of Admin** | 9.0 (53 reviews) | 8.6 (76 reviews) | | **Quality of Support** | 9.0 (155 reviews) | 9.0 (276 reviews) | | **Has the product been a good partner in doing business?** | 9.0 (62 reviews) | 8.9 (75 reviews) | | **Product Direction (% positive)** | 9.8 (194 reviews) | 8.5 (338 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 ### Spendesk #### Entry-Level Pricing Plan: Essentials Plan Price: Contact Us Per Month Description: For SMBs looking to streamline their spend management process, all in one place. Key Features: - Unlimited virtual and physical cards - Automated & customizable bookkeeping - End to end invoice management [Browse all 3 editions](https://www.g2.com/products/spendesk/pricing) #### Free Trial Yes --- ## Features Comparison By Category ### Expense Management | Product | Score | Reviews | |---|---|---| | **Moss | Spend smarter** | 8.7/10 | 182 | | **Spendesk** | 8.6/10 | 264 | #### Expense Reports | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Ease of Creating Expense Reports** | 8.9 (154 reviews) | 8.7 (160 reviews) ✓ Verified | | **Bank / Credit Card Integration** | Feature Not Available | 9.0 (179 reviews) ✓ Verified | | **Smart Categorization** | 8.8 (149 reviews) | 8.7 (175 reviews) ✓ Verified | | **Digital Receipt Management** | 9.4 (166 reviews) | 9.1 (218 reviews) ✓ Verified | | **Employee Reimbursement** | 9.1 (151 reviews) | 9.0 (188 reviews) ✓ Verified | | **Currency Conversions** | Feature Not Available | 8.5 (155 reviews) ✓ Verified | | **Credit Card Integration** | Feature Not Available | 9.0 (164 reviews) ✓ Verified | #### Agentic AI - Expense Management | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Autonomous Task Execution** | 7.6 (32 reviews) | Not enough data | | **Cross-system Integration** | 7.9 (32 reviews) | Not enough data | #### Travel Management | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Trip Notifications** | Feature Not Available | 8.2 (62 reviews) | | **Advanced Integrations** | 8.4 (129 reviews) | 8.2 (69 reviews) | #### Client Invoicing | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Invoice Creation and Delivery** | Feature Not Available | 8.3 (78 reviews) | | **Electronic Payments** | Feature Not Available | 8.8 (96 reviews) | | **Project Accounting / Revenue Recognition** | Feature Not Available | 8.3 (77 reviews) | #### Generative AI - Expense Management | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Image-to-Text** | Not enough data | Not enough data | | **Text Generation** | Not enough data | Not enough data | | **Text Summarization** | Not enough data | Not enough data | #### Mobile | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Receipt Capture** | 9.4 (159 reviews) | 9.1 (199 reviews) ✓ Verified | | **Mileage Tracking** | Feature Not Available | 8.0 (88 reviews) ✓ Verified | | **Travel Itinerary and Flight Status Updates** | Feature Not Available | 7.7 (50 reviews) | #### Platform | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Complex Approval Workflow** | Feature Not Available | 8.5 (142 reviews) ✓ Verified | #### Administration | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **PCI Regulation Compliant** | 8.4 (117 reviews) | 8.6 (100 reviews) ✓ Verified | #### Administration | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Business Tool Integration** | 8.6 (141 reviews) | 8.6 (124 reviews) ✓ Verified | | **Workflow** | 8.8 (145 reviews) | 8.9 (136 reviews) ✓ Verified | | **Automated Reminders** | 8.9 (149 reviews) | 8.9 (173 reviews) ✓ Verified | | **Policy Compliance Management** | 8.6 (135 reviews) | 8.5 (124 reviews) ✓ Verified | | **User, Role, and Access Management** | 8.9 (137 reviews) | 8.9 (158 reviews) ✓ Verified | #### Platform | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Reporting** | 8.6 (129 reviews) | 8.6 (135 reviews) ✓ Verified | | **APIs / Integration** | 8.3 (122 reviews) | 8.2 (93 reviews) ✓ Verified | | **Internationalization** | 8.6 (124 reviews) | 8.6 (120 reviews) ✓ Verified | | **Performance and Reliability** | 9.4 (150 reviews) | 8.9 (169 reviews) ✓ Verified | | **Mobile User Support** | 9.1 (140 reviews) | 9.0 (137 reviews) ✓ Verified | | **Offline** | 7.6 (118 reviews) | Feature Not Available | ### Budgeting and Forecasting | Product | Score | Reviews | |---|---|---| | **Moss | Spend smarter** | N/A | N/A | | **Spendesk** | 8.6/10 | 25 | #### Budget Creation | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Data Import** | Not enough data | 8.3 (12 reviews) | | **Budget Hierarchies** | Not enough data | 8.7 (15 reviews) | | **Versioning** | Not enough data | 9.0 (12 reviews) | | **Formulas** | Not enough data | 8.3 (12 reviews) | | **What-If** | Not enough data | 8.2 (11 reviews) | | **Budget Periods** | Not enough data | 8.5 (16 reviews) | #### Budget Management | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Consolidation** | Not enough data | 8.6 (11 reviews) | | **Adjustments** | Not enough data | 8.9 (11 reviews) | | **Workflows** | Not enough data | 8.9 (11 reviews) | #### Forecasting | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Historical Data** | Not enough data | 8.8 (14 reviews) | | **Reforecast** | Not enough data | 8.8 (12 reviews) | | **Forecast Types** | Not enough data | 8.6 (12 reviews) | | **Rolling Forecasts** | Not enough data | 8.2 (12 reviews) | | **AI** | Not enough data | Not enough data | #### Analytics | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Variance Analysis** | Not enough data | 8.6 (13 reviews) | | **Forecasts Comparison** | Not enough data | 8.5 (12 reviews) | | **Forward Looking** | Not enough data | 8.5 (12 reviews) | #### Agentic AI - Budgeting and Forecasting | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Natural Language Interaction** | Not enough data | Not enough data | | **Proactive Assistance** | Not enough data | Not enough data | | **Decision Making** | Not enough data | Not enough data | ### Spend Management | Product | Score | Reviews | |---|---|---| | **Moss | Spend smarter** | 8.7/10 | 63 | | **Spendesk** | 8.5/10 | 189 | #### Setup | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Data** | 8.3 (40 reviews) | Feature Not Available | | **Approvals** | 8.9 (45 reviews) | 8.8 (143 reviews) | | **Alignment** | 8.5 (41 reviews) | Feature Not Available | #### Performance | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **KPIs** | 8.2 (38 reviews) | Feature Not Available | | **Benchmarks** | 8.0 (36 reviews) | Feature Not Available | | **Forecasting** | 8.2 (36 reviews) | 7.8 (40 reviews) | | **Savings** | 8.4 (36 reviews) | Feature Not Available | #### Payment Cards | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **One-time Virtual** | 9.5 (46 reviews) | 9.2 (70 reviews) | | **Recurring Virtual** | 9.3 (48 reviews) | 8.8 (59 reviews) | | **Physical** | 9.3 (52 reviews) | 8.4 (56 reviews) | #### Reporting | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Real time** | 9.2 (48 reviews) | 8.7 (61 reviews) | | **Multiple Views** | 8.5 (35 reviews) | 8.2 (45 reviews) | | **Export** | 8.7 (38 reviews) | 8.1 (43 reviews) | | **Budgets** | 8.5 (42 reviews) | 8.3 (45 reviews) | #### Payments | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Vendor** | 8.7 (42 reviews) | 8.5 (48 reviews) | | **Recurring** | 9.0 (39 reviews) | 8.4 (53 reviews) | | **Employee Reimbursements** | 9.2 (45 reviews) | 8.9 (62 reviews) | | **ACH** | 8.2 (33 reviews) | 7.7 (33 reviews) | #### Fraud & Risk Management | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Notifications** | 8.8 (40 reviews) | 8.5 (55 reviews) | | **Unique Cards** | 9.1 (43 reviews) | 8.8 (54 reviews) | | **Controls** | 9.2 (40 reviews) | 8.7 (52 reviews) | #### Agentic AI - Spend Management | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Proactive Assistance** | 8.1 (12 reviews) | Not enough data | ### Procure to Pay | Product | Score | Reviews | |---|---|---| | **Moss | Spend smarter** | N/A | N/A | | **Spendesk** | N/A | N/A | #### Planning | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Processes** | Not enough data | Not enough data | | **Contracts** | Not enough data | Not enough data | | **Content** | Not enough data | Not enough data | | **Requisition** | Not enough data | Not enough data | #### Execution | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Sourcing** | Not enough data | Not enough data | | **Purchasing** | Not enough data | Not enough data | | **Invoicing** | Not enough data | Not enough data | #### Analytics | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Visibility** | Not enough data | Not enough data | | **Performance** | Not enough data | Not enough data | | **Spend** | Not enough data | Not enough data | #### Agentic AI - Procure to Pay | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Multi-step Planning** | Not enough data | Not enough data | ### AP Automation | Product | Score | Reviews | |---|---|---| | **Moss | Spend smarter** | N/A | N/A | | **Spendesk** | 8.3/10 | 51 | #### Invoice Management | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Capture** | Not enough data | 8.7 (40 reviews) ✓ Verified | | **Supplier Portal** | Not enough data | 7.9 (15 reviews) | | **Repository** | Not enough data | 8.5 (34 reviews) ✓ Verified | #### Invoice Processing | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Matching** | Not enough data | 8.7 (19 reviews) | | **Payments** | Not enough data | 8.9 (38 reviews) ✓ Verified | | **Workflows** | Not enough data | 8.9 (37 reviews) ✓ Verified | | **Tax Compliance** | Not enough data | 8.2 (18 reviews) | #### Analytics | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Due Dates** | Not enough data | 8.8 (30 reviews) ✓ Verified | | **Benchmarking** | Not enough data | 7.9 (11 reviews) | | **KPIs** | Not enough data | 8.3 (12 reviews) | #### Integration | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Accounting** | Not enough data | 7.7 (30 reviews) ✓ Verified | | **Payment Integration** | Not enough data | 8.5 (28 reviews) ✓ Verified | | **ERP** | Not enough data | 7.7 (14 reviews) | #### Risk | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Analysis** | Not enough data | 8.1 (14 reviews) | | **Identification** | Not enough data | 8.6 (14 reviews) | | **Scoring** | Not enough data | 8.5 (13 reviews) | #### Recovery | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Recoup** | Not enough data | 7.9 (13 reviews) | | **Reporting** | Not enough data | 8.3 (13 reviews) | #### Audit | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Filters** | Not enough data | 8.2 (11 reviews) | | **Post Audits** | Not enough data | 8.0 (11 reviews) | | **Overpayments** | Not enough data | 8.2 (11 reviews) | | **Duplicates** | Not enough data | 8.5 (12 reviews) | #### Fraud | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Vendor Checks** | Not enough data | 8.3 (14 reviews) | | **Data Generation** | Not enough data | 8.2 (13 reviews) | | **Monitoring** | Not enough data | 8.6 (14 reviews) | #### Agentic AI - AP Automation | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | | **Proactive Assistance** | Not enough data | Not enough data | | **Decision Making** | Not enough data | Not enough data | ### Invoice Management | Product | Score | Reviews | |---|---|---| | **Moss | Spend smarter** | 8.4/10 | 51 | | **Spendesk** | 8.8/10 | 128 | #### Invoice Generation | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Templates** | 7.9 (32 reviews) | 9.0 (27 reviews) | | **Digital Invoices** | 9.0 (37 reviews) | 9.3 (85 reviews) | | **Recurring Invoices** | 8.5 (34 reviews) | 8.8 (30 reviews) | #### Invoice Processing | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Approvals** | 8.7 (39 reviews) | 9.3 (93 reviews) | | **Batch Processing** | 8.4 (33 reviews) | 9.0 (66 reviews) | | **Consolidation** | 8.0 (32 reviews) | 8.9 (30 reviews) | | **Match Invoices** | 8.8 (41 reviews) | 8.8 (42 reviews) ✓ Verified | #### Analytics | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Due Dates** | 8.4 (29 reviews) | 8.7 (73 reviews) | | **Cashflow** | 8.4 (27 reviews) | Feature Not Available | | **KPIs** | 7.7 (24 reviews) | Feature Not Available | | **Payment Tracking** | 8.6 (30 reviews) | 8.9 (39 reviews) ✓ Verified | #### Integration | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Accounting** | 9.0 (42 reviews) | 8.5 (65 reviews) | | **Payments** | 9.0 (38 reviews) | 9.1 (67 reviews) | | **ERP** | 8.5 (33 reviews) | 8.1 (25 reviews) | | **Account Sync** | 8.9 (36 reviews) | 8.5 (32 reviews) ✓ Verified | #### Agentic AI - Invoice Management | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Cross-system Integration** | 7.9 (14 reviews) | Not enough data | | **Adaptive Learning** | 7.7 (13 reviews) | Not enough data | | **Proactive Assistance** | 8.1 (13 reviews) | Not enough data | ### Accounting & Finance | Product | Score | Reviews | |---|---|---| | **Moss | Spend smarter** | N/A | N/A | | **Spendesk** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | Moss | Spend smarter | Spendesk | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | --- ## Categories **Shared Categories (3):** [Invoice Management Software](https://www.g2.com/categories/invoice-management), [Expense Management Software](https://www.g2.com/categories/expense-management), [Spend Management Software](https://www.g2.com/categories/spend-management) **Unique to Spendesk (3):** [Budgeting and Forecasting Software](https://www.g2.com/categories/budgeting-and-forecasting), [Accounts Payable Automation Software](https://www.g2.com/categories/ap-automation), [Procure to Pay Software](https://www.g2.com/categories/procure-to-pay) --- ## Reviewer Demographics ### By Company Size | Segment | Moss | Spend smarter | Spendesk | |---|---|---| | **Small-Business** | 43.8% | 32.5% | | **Mid-Market** | 52.1% | 63.8% | | **Enterprise** | 4.1% | 3.7% | ### By Industry #### Moss | Spend smarter - **Computer Software:** 13.1% - **Information Technology and Services:** 9.3% - **Market Research:** 7.9% - **Marketing and Advertising:** 6.1% - **Hospitality:** 5.1% - **Hospital & Health Care:** 3.7% - **Accounting:** 3.3% - **Consulting:** 3.3% - **Financial Services:** 2.8% - **Pharmaceuticals:** 2.3% - **Other:** 43.0% #### Spendesk - **Computer Software:** 15.2% - **Information Technology and Services:** 14.2% - **Financial Services:** 4.7% - **Marketing and Advertising:** 4.7% - **Internet:** 3.7% - **Accounting:** 2.5% - **Staffing and Recruiting:** 2.2% - **Education Management:** 2.2% - **Hospital & Health Care:** 2.2% - **Apparel & Fashion:** 2.0% - **Other:** 46.6% --- ## Alternatives ### Alternatives to Moss | Spend smarter - [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (893 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 (2446 reviews) - [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9102 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 (1061 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5652 reviews) - [Tipalti](https://www.g2.com/products/tipalti/reviews) — 4.5/5 stars (414 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1585 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7114 reviews) ### Alternatives to Spendesk - [Payhawk](https://www.g2.com/products/payhawk/reviews) — 4.5/5 stars (893 reviews) - [Ramp](https://www.g2.com/products/ramp-financial-ramp/reviews) — 4.8/5 stars (2446 reviews) - [SAP Concur](https://www.g2.com/products/sap-concur/reviews) — 4.0/5 stars (7114 reviews) - [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews) - [Brex](https://www.g2.com/products/brex/reviews) — 4.8/5 stars (1585 reviews) - [Stampli](https://www.g2.com/products/stampli/reviews) — 4.6/5 stars (1947 reviews) - [BILL Spend & Expense (Formerly Divvy)](https://www.g2.com/products/bill-spend-expense-formerly-divvy/reviews) — 4.5/5 stars (2106 reviews) - [Soldo](https://www.g2.com/products/soldo/reviews) — 4.5/5 stars (193 reviews) - [Rydoo](https://www.g2.com/products/rydoo/reviews) — 4.4/5 stars (743 reviews) - [Expensify](https://www.g2.com/products/expensify/reviews) — 4.5/5 stars (5652 reviews) --- ## Top Discussions ### Moss | Spend smarter No discussions available for this product. ### Spendesk - Title: [How do I reimburse via Spendesk?](https://www.g2.com/discussions/24960-how-do-i-reimburse-via-spendesk) — 1 comment, 1 upvote > **Top comment:** "Hi Gabriela, there are different options to reimburse employees, all of them enables you to reimburse in bulk: 1. Export an XML Sepa file if you have a..." - Title: [If you're looking for people for user test I'd like to participate :)](https://www.g2.com/discussions/if-you-re-looking-for-people-for-user-test-i-d-like-to-participate) — 1 comment, 2 upvotes > **Top comment:** "Hi Francis GG, so nice of you to offer! We will then! :) " --- **Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/moss-spend-smarter-vs-spendesk)