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Maxime joined Spendesk in 2021 and has grown steadily through the ranks since, becoming our resident finance engineer.","text","maxime-reding","blog/author/maxime-reding",-1140,[],176408854,"21643648-1964-4f50-93e1-adc353a4c358","2026-03-17T08:43:08.491Z",[],[112,113,114],{"path":104,"name":25,"lang":36,"published":25},{"path":104,"name":25,"lang":38,"published":25},{"path":104,"name":25,"lang":40,"published":25},[116,136],{"name":117,"created_at":118,"published_at":16,"updated_at":119,"id":120,"uuid":121,"content":122,"slug":124,"full_slug":125,"sort_by_date":25,"position":126,"tag_list":127,"is_startpage":28,"parent_id":128,"meta_data":25,"group_id":129,"first_published_at":130,"release_id":25,"lang":32,"path":25,"alternates":131,"default_full_slug":125,"translated_slugs":132,"_stopResolving":41},"Spend management","2022-10-19T17:57:54.407Z","2026-03-12T10:47:23.262Z",206171419,"f1ded6b1-7e22-4841-a982-4b97800ed612",{"_uid":123,"name":117,"component":22},"fba530b2-81a3-4b87-986d-708d05055369","spend-management","blog/topic/spend-management",-230,[],176456153,"485045be-15bb-4bad-be38-3403f2a4f645","2022-11-02T15:24:49.793Z",[],[133,134,135],{"path":125,"name":25,"lang":36,"published":25},{"path":125,"name":25,"lang":38,"published":25},{"path":125,"name":25,"lang":40,"published":25},{"name":137,"created_at":138,"published_at":16,"updated_at":139,"id":140,"uuid":141,"content":142,"slug":144,"full_slug":145,"sort_by_date":25,"position":146,"tag_list":147,"is_startpage":28,"parent_id":128,"meta_data":25,"group_id":148,"first_published_at":149,"release_id":25,"lang":32,"path":25,"alternates":150,"default_full_slug":145,"translated_slugs":151,"_stopResolving":41},"Finance tools & tech","2022-10-23T14:54:45.602Z","2026-03-12T10:47:24.227Z",208013309,"1ea23fbc-cf76-421e-a8c6-73b89787bb95",{"_uid":143,"name":137,"component":22,"hubspotId":72},"3f4c451e-8e90-42af-8ab4-49c7a12230b6","finance-tools-tech","blog/topic/finance-tools-tech",-550,[],"fb813b9f-0756-465f-92a3-1598217d5c5c","2022-11-02T15:24:38.734Z",[],[152,153,154],{"path":145,"name":25,"lang":36,"published":25},{"path":145,"name":25,"lang":38,"published":25},{"path":145,"name":25,"lang":40,"published":25},{"type":93,"attrs":156,"content":157},{"backgroundColor":25},[158,168,177,187,264,272,281,422,430,439,446,455,464,475,483,492,499,508,515,541,570,599,608,616,624,631,639,647,654,680,688,716,744,752,760,767,775,782,790,818,826,834,842,849,857,864,872,900,908,916,925,932,941,950,957,966,975,984,993,1002,1012,1020,1043,1050,1073,1080,1089,1098,1107,1115,1124,1131,1140,1147,1156,1184,1192,1201,1210,1234,1263,1274,1282,1290,1299,1307,1316,1324,1333,1341],{"type":96,"attrs":159,"content":160},{"textAlign":25,"key":98},[161],{"text":162,"type":102,"marks":163},"Spendesk and Moss land on the same shortlist for European finance teams evaluating spend management platforms. Both consolidate company cards, accounts payable (AP), and expense claims into a single workflow for mid-market businesses, and both integrate with the accounting software European finance teams actually use.",[164],{"type":165,"attrs":166},"textStyle",{"color":167},"#000000",{"type":96,"attrs":169,"content":171},{"textAlign":25,"key":170},"p-1",[172],{"text":173,"type":102,"marks":174},"Your choice comes down to three things: how many entities you manage, which accounting software you run, and whether your card and payment workflows need to cross currencies.",[175],{"type":165,"attrs":176},{"color":167},{"type":178,"attrs":179,"content":181},"heading",{"level":180,"textAlign":25},2,[182],{"text":183,"type":102,"marks":184},"Key takeaways",[185],{"type":165,"attrs":186},{"color":167},{"type":188,"content":189},"bullet_list",[190,220,231,242,253],{"type":191,"content":192},"list_item",[193],{"type":96,"attrs":194,"content":196},{"textAlign":25,"key":195},"p-2",[197,202,215],{"text":198,"type":102,"marks":199},"Both platforms cover the same baseline: company cards, AP automation with three-way matching, expense claims, and approval workflows. Peer scores land close as well, with Spendesk at 4.6/5 from 413 reviews and Moss at 4.7/5 from 229 (",[200],{"type":165,"attrs":201},{"color":167},{"text":203,"type":102,"marks":204},"G2 review scores",[205,210,213],{"type":206,"attrs":207},"link",{"href":208,"uuid":25,"anchor":25,"target":209,"linktype":81},"https://www.g2.com/compare/moss-spend-smarter-vs-spendesk","_blank",{"type":165,"attrs":211},{"color":212},"#1155CC",{"type":214},"underline",{"text":216,"type":102,"marks":217},", as of May 2026).",[218],{"type":165,"attrs":219},{"color":167},{"type":191,"content":221},[222],{"type":96,"attrs":223,"content":225},{"textAlign":25,"key":224},"p-3",[226],{"text":227,"type":102,"marks":228},"Spendesk is built around multi-currency, multi-entity operations: smart company cards across six base currencies (EUR, USD, GBP, DKK, NOK, and SEK), multi-condition approval workflows, and international invoice payments covering 71 countries and 31 currencies. Moss issues cards in a single base currency and covers supplier and bank transfers in 70+ currencies.",[229],{"type":165,"attrs":230},{"color":167},{"type":191,"content":232},[233],{"type":96,"attrs":234,"content":236},{"textAlign":25,"key":235},"p-4",[237],{"text":238,"type":102,"marks":239},"Accounting fit is the sharpest practical split. Both platforms connect to Xero and QuickBooks Online. Moss adds Sage 50 and Sage 200 through CSV export, and Spendesk adds Sage 100, NetSuite, Odoo, and Exact Online.",[240],{"type":165,"attrs":241},{"color":167},{"type":191,"content":243},[244],{"type":96,"attrs":245,"content":247},{"textAlign":25,"key":246},"p-5",[248],{"text":249,"type":102,"marks":250},"For German e-invoicing, both platforms receive supplier invoices in XRechnung and ZUGFeRD formats. Moss publishes more detail on validation and archiving, while Spendesk preserves the original XML and exports a compliant PDF to connected accounting systems, with an upgraded DATEV integration slated for autumn 2026.",[251],{"type":165,"attrs":252},{"color":167},{"type":191,"content":254},[255],{"type":96,"attrs":256,"content":258},{"textAlign":25,"key":257},"p-6",[259],{"text":260,"type":102,"marks":261},"Entry pricing works differently. Moss publishes a free plan for up to three users and 20 invoices per month, while Spendesk quotes for unlimited users and unlimited cards, with up to three entities on the base plan.",[262],{"type":165,"attrs":263},{"color":167},{"type":178,"attrs":265,"content":266},{"level":180,"textAlign":25},[267],{"text":268,"type":102,"marks":269},"Spendesk vs Moss at a glance",[270],{"type":165,"attrs":271},{"color":167},{"type":96,"attrs":273,"content":275},{"textAlign":25,"key":274},"p-7",[276],{"text":277,"type":102,"marks":278},"The table below sets out where the two platforms line up and where they diverge, before the sections that follow test each dimension in more detail.",[279],{"type":165,"attrs":280},{"color":167},{"type":282,"attrs":283},"blok",{"id":284,"body":285},"22297c96-51bc-4da2-b6a5-4b34210d0b15",[286],{"_uid":287,"table":288,"component":421,"noLineBreak":28,"highlightLastRow":28},"e40dc690-7d81-4cb2-8779-fb0415cace9c",{"tbody":289,"thead":410,"fieldtype":420},[290,302,314,326,338,350,362,374,386,398],{"_uid":291,"body":292},"647cbdbe-9692-4dd8-a8c8-0b95fedcc73f",[293,296,299],{"_uid":294,"value":295},"d9d85bf5-e418-4795-b2ab-db2a3d136b70","Platform type",{"_uid":297,"value":298},"4e160cf1-6df6-4284-b718-e9cf3fa0a202","Spend management platform; BaFin-licensed e-money institution",{"_uid":300,"value":301},"f06fadee-d441-40cd-8751-a66880ab9cc6","Spend management platform for European operations; EU and UK banking licence (via Adyen in the UK)",{"_uid":303,"body":304},"a97dfe42-373a-4ef6-b407-4532fd301412",[305,308,311],{"_uid":306,"value":307},"d2f59422-6c63-4a2f-9517-e6325de229ec","Spend-management approach",{"_uid":309,"value":310},"751b4d86-65e2-49b1-9fa0-304f5618eb9d","Modular: buy only the modules you need (cards, AP, reimbursements); add-ons for spend controls, procurement, and AI accounting",{"_uid":312,"value":313},"ac31b8cf-fa2c-4d45-bbb8-e0fa4dca76c1","Unified platform combining company cards, optical character recognition (OCR), and core spend workflows; add-on options",{"_uid":315,"body":316},"87b90445-a8b6-42f6-a777-37f0db0fc2ef",[317,320,323],{"_uid":318,"value":319},"5ac2a790-f22f-4307-89f9-3ca0a410891e","Card controls",{"_uid":321,"value":322},"247540cc-f159-4219-9f38-830445facfbe","Unlimited virtual and physical cards; per-card limits; Apple Pay and Google Pay",{"_uid":324,"value":325},"5e00b233-78a1-4bf9-821f-4a12e3b589a7","Unlimited physical and virtual smart company cards; adjustable budgets; instant freeze and unfreeze; receipt enforcement; Apple Pay and Google Pay on physical cards",{"_uid":327,"body":328},"6cf5a769-40c5-4f65-9dc0-5729b9291731",[329,332,335],{"_uid":330,"value":331},"9f199b3c-ef0e-4b8c-9768-41ea8d8375ae","AP automation",{"_uid":333,"value":334},"e59ff2a2-edf0-4571-a795-811231a60934","OCR; automated two-way matching plus three-way matching across purchase orders, goods receipts, and invoices; duplicate detection; supplier and bank transfers in 70+ currencies",{"_uid":336,"value":337},"3ae2b3ba-69d6-4ee0-ac46-ae7de22c40d4","OCR; three-way matching across purchase orders, delivery notes, and invoices; duplicate detection; international invoice payments across 71 countries and 31 currencies",{"_uid":339,"body":340},"27cbc613-8480-4c13-b6b1-447077f08daa",[341,344,347],{"_uid":342,"value":343},"594e48d6-f710-48ce-9677-df9a848850a0","Approval workflows",{"_uid":345,"value":346},"1598ed71-e73e-47a2-b71b-3b6b7f04bc48","Multi-step flows; human resources information system (HRIS)-driven routing; budget-based triggers",{"_uid":348,"value":349},"b1623d3f-0157-4e26-a7d7-09b923a14522","Multi-condition rules (cost centre + expense type + category); sequential and parallel approval workflows",{"_uid":351,"body":352},"d9794c1c-a49c-43ce-b106-867b48018e84",[353,356,359],{"_uid":354,"value":355},"c8f543ed-20c9-4ff0-b06b-aa1a666c887b","Multi-entity support",{"_uid":357,"value":358},"ac718201-c977-4ba1-a529-0e7160f9dc30","Configurable per subsidiary",{"_uid":360,"value":361},"b35902d5-ac87-40e9-b87b-604097be520b","Multi-entity management across currencies; up to three entities on the base plan",{"_uid":363,"body":364},"e461987e-124c-4d00-9f8d-9a870727369f",[365,368,371],{"_uid":366,"value":367},"1ebcbaf4-d435-443b-83b7-7635ab885289","European compliance (VAT, SEPA, HMRC / MTD)",{"_uid":369,"value":370},"56d45059-2d1e-4393-a78e-28f754cff05c","Automated VAT; Single Euro Payments Area (SEPA) instant; UK Faster Payments; HMRC / MTD via connected accounting software; IDW PS 880 n.F. certificate for German bookkeeping; incoming ZUGFeRD and X-Rechnung",{"_uid":372,"value":373},"55dec78b-8710-4632-85c9-cee7ff097e32","Machine learning (ML)-based VAT prediction; SEPA Instant for eligible euro payments, plus XML SEPA export for bank execution; HMRC / MTD via connected accounting software; incoming XRechnung and ZUGFeRD; published France and Belgium e-invoicing support",{"_uid":375,"body":376},"0da551fa-ebd1-4657-9145-ff1dc8d94f50",[377,380,383],{"_uid":378,"value":379},"b006a88a-c5eb-497f-8e78-f0099c7b32a5","Pricing model",{"_uid":381,"value":382},"c7e82ca9-6c6e-4f45-abb2-b181f276f8f8","Platform fee + transaction volume; free plan for up to three users and 20 invoices per month",{"_uid":384,"value":385},"b8a47856-0136-4ffe-a63a-09a1d08e4c21","Quote-based pricing with unlimited users, unlimited physical and virtual cards; no public rate cards",{"_uid":387,"body":388},"34023455-93d1-46fd-be31-affe745efa12",[389,392,395],{"_uid":390,"value":391},"31bf4ce2-8f78-4d0e-8a1c-1c64e99739c1","FX fee structure",{"_uid":393,"value":394},"b22c9219-6223-4eac-861a-0fe31fb2ef88","Mastercard exchange rate plus a 2% issuer FX fee, subject to issuer terms and certain EEA exceptions; transfer fees not published",{"_uid":396,"value":397},"8fd9a83c-2d5e-40d6-9f9f-062e208ed1d0","Six base currencies; 2.9% card FX fee when the transaction currency differs from the account currency; transfer pricing requires a sales conversation",{"_uid":399,"body":400},"6ead10db-e798-46a3-8f97-57bfe2942e4e",[401,404,407],{"_uid":402,"value":403},"b6f33067-6e5f-4a59-918c-186e026da556","Implementation",{"_uid":405,"value":406},"ec1d6bb0-5ab5-4f11-864e-1f7018bb83a7","Account setup positioned around speed; 1:1 onboarding on paid plans",{"_uid":408,"value":409},"f3f96910-a111-461a-9f1e-414c53bf95a3","Plan-dependent: the entry plan is largely self-serve, and higher plans include structured onboarding with a dedicated customer success manager across four calls, typically three to four weeks and up to six-plus weeks for staggered or procurement-heavy rollouts",[411,414,417],{"_uid":412,"value":413},"e9bac91c-e584-48a3-b41b-ecc9b6042d26","Category",{"_uid":415,"value":416},"3e6803cd-f7d6-4e0a-b49d-0520d02b647f","Moss",{"_uid":418,"value":419},"0deef50c-2ef8-40a1-93b3-623c83ccf8b1","Spendesk","table","simpleTable",{"type":178,"attrs":423,"content":425},{"level":424,"textAlign":25},3,[426],{"text":416,"type":102,"marks":427},[428],{"type":165,"attrs":429},{"color":167},{"type":96,"attrs":431,"content":433},{"textAlign":25,"key":432},"p-8",[434],{"text":435,"type":102,"marks":436},"Moss is a Berlin-based spend management platform serving 7,000+ European businesses, with a primary focus on Germany, Austria, the UK, and the Netherlands (as of May 2026). It operates under a BaFin e-money licence, no. 159024, and issues cards on the Mastercard network. Moss is modular: finance teams buy only the capabilities they need and add procurement or AI-powered accounting modules later.",[437],{"type":165,"attrs":438},{"color":167},{"type":178,"attrs":440,"content":441},{"level":424,"textAlign":25},[442],{"text":419,"type":102,"marks":443},[444],{"type":165,"attrs":445},{"color":167},{"type":96,"attrs":447,"content":449},{"textAlign":25,"key":448},"p-9",[450],{"text":451,"type":102,"marks":452},"Spendesk is an all-in-one spend management platform consolidating company cards, expense management, accounts payable, procurement, and budgeting. For finance teams, that means fewer disconnected tools to reconcile at month-end and a cleaner path from request to approval to accounting sync. Spendesk serves mid-market businesses with 50 to 1,500 employees across Europe and supports multi-currency and multi-entity workflows.",[453],{"type":165,"attrs":454},{"color":167},{"type":96,"attrs":456,"content":458},{"textAlign":25,"key":457},"p-10",[459],{"text":460,"type":102,"marks":461},"Spendesk also supports six base currencies, covering EUR, USD, GBP, DKK, NOK, and SEK. That matters when your finance team wants to avoid extra conversions and keep cross-border spend visible in one place.",[462],{"type":165,"attrs":463},{"color":167},{"type":282,"attrs":465},{"id":466,"body":467},"d71083fe-f2cc-4d4a-ae18-7a6a96ea84fd",[468],{"_uid":469,"asset":470,"caption":72,"component":474},"i-87f59d2e-e27e-4573-b8e4-6b267dc2e1b4",{"id":471,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":472,"copyright":72,"fieldtype":77,"meta_data":473,"is_external_url":28},176818995843824,"https://a.storyblok.com/f/146026/2121x1414/48aa298da3/datev-kontoauszugsmanager-einrichten-so-automatisieren-finance-teams-den-buchungsexport.jpg",{},"image",{"type":178,"attrs":476,"content":477},{"level":180,"textAlign":25},[478],{"text":479,"type":102,"marks":480},"Where multi-currency cards rewrite the FX maths",[481],{"type":165,"attrs":482},{"color":167},{"type":96,"attrs":484,"content":486},{"textAlign":25,"key":485},"p-11",[487],{"text":488,"type":102,"marks":489},"Card FX fees and local-currency support create one of the clearest differences between the two platforms. Card pricing and transfer pricing work differently on both sides, so check them separately, not as one FX number.",[490],{"type":165,"attrs":491},{"color":167},{"type":178,"attrs":493,"content":494},{"level":424,"textAlign":25},[495],{"text":416,"type":102,"marks":496},[497],{"type":165,"attrs":498},{"color":167},{"type":96,"attrs":500,"content":502},{"textAlign":25,"key":501},"p-12",[503],{"text":504,"type":102,"marks":505},"Moss issues unlimited virtual and physical cards with customisable spending limits, pre-spend approval routing, and automated receipt fetching. Employees can add cards to Apple Pay and Google Pay, though availability varies by country. Cards are denominated in a single base currency. 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The default card FX fee is 2.9% when the transaction currency differs from the account currency.",[539],{"type":165,"attrs":540},{"color":167},{"type":96,"attrs":542,"content":544},{"textAlign":25,"key":543},"p-14",[545,550,565],{"text":546,"type":102,"marks":547},"For example, ",[548],{"type":165,"attrs":549},{"color":167},{"text":551,"type":102,"marks":552},"GWI's five-country setup",[553,562,564],{"type":206,"attrs":554},{"href":555,"uuid":556,"anchor":25,"target":531,"linktype":532,"story":557},"/customers/gwi/","e5dfb262-031a-44da-b0c4-9c5c28cc104c",{"name":558,"id":559,"uuid":556,"slug":560,"url":561,"full_slug":561,"_stopResolving":41},"GWI",101778773888687,"gwi","customers/gwi",{"type":165,"attrs":563},{"color":212},{"type":214},{"text":566,"type":102,"marks":567}," uses the mobile app as employees' main interface, with receipt compliance running at 95%.",[568],{"type":165,"attrs":569},{"color":167},{"type":96,"attrs":571,"content":573},{"textAlign":25,"key":572},"p-15",[574,579,594],{"text":575,"type":102,"marks":576},"Moss suits teams whose card spend stays mostly in one base currency and who'd rather have simpler card admin than FX flexibility. Spendesk suits teams operating across the UK and the EEA who don't want every foreign-currency transaction routed through the same base currency. If setting card spending rules matters to your team, it's worth reviewing your ",[577],{"type":165,"attrs":578},{"color":167},{"text":580,"type":102,"marks":581},"company card limits",[582,591,593],{"type":206,"attrs":583},{"href":584,"uuid":585,"anchor":25,"target":531,"linktype":532,"story":586},"/blog/credit-card-limit","e67d5bf2-6ea7-4847-b47d-d35722282cb4",{"name":587,"id":588,"uuid":585,"slug":589,"url":590,"full_slug":590,"_stopResolving":41},"Credit card limits for business spending: How to set them without friction",164480905592394,"credit-card-limit","blog/credit-card-limit",{"type":165,"attrs":592},{"color":212},{"type":214},{"text":595,"type":102,"marks":596}," before choosing a platform.",[597],{"type":165,"attrs":598},{"color":167},{"type":96,"attrs":600,"content":602},{"textAlign":25,"key":601},"p-16",[603],{"text":604,"type":102,"marks":605},"How much of your card spend genuinely stays in one base currency, and how much of it routinely crosses into euros, dollars, or sterling?",[606],{"type":165,"attrs":607},{"color":167},{"type":178,"attrs":609,"content":610},{"level":180,"textAlign":25},[611],{"text":612,"type":102,"marks":613},"What to test when both platforms match three ways",[614],{"type":165,"attrs":615},{"color":167},{"type":96,"attrs":617,"content":618},{"textAlign":25,"key":98},[619],{"text":620,"type":102,"marks":621},"Both platforms support three-way matching, so the difference sits in how the matching runs and what happens to the invoice afterwards. Automation level, document requirements, and payment reach are the parts worth testing during an evaluation.",[622],{"type":165,"attrs":623},{"color":167},{"type":178,"attrs":625,"content":626},{"level":424,"textAlign":25},[627],{"text":416,"type":102,"marks":628},[629],{"type":165,"attrs":630},{"color":167},{"type":96,"attrs":632,"content":633},{"textAlign":25,"key":170},[634],{"text":635,"type":102,"marks":636},"Moss sells AP as a separate module, with OCR extraction, automated categorisation with VAT rates, and duplicate detection. It automates two-way matching and also offers three-way matching between purchase orders, goods receipts, and invoices. Its AI pre-accounting feature pre-fills accounting details from historical transaction patterns and syncs to connected accounting software in one click, which cuts manual entry on the most repetitive coding work.",[637],{"type":165,"attrs":638},{"color":167},{"type":96,"attrs":640,"content":641},{"textAlign":25,"key":195},[642],{"text":643,"type":102,"marks":644},"Moss supports supplier and bank transfers in 70+ currencies from its central wallet. For teams in Germany, Austria, and Switzerland, pre-filled DATEV export mappings reduce manual journal entry work.",[645],{"type":165,"attrs":646},{"color":167},{"type":178,"attrs":648,"content":649},{"level":424,"textAlign":25},[650],{"text":419,"type":102,"marks":651},[652],{"type":165,"attrs":653},{"color":167},{"type":96,"attrs":655,"content":656},{"textAlign":25,"key":224},[657,662,675],{"text":658,"type":102,"marks":659},"Spendesk's ",[660],{"type":165,"attrs":661},{"color":167},{"text":331,"type":102,"marks":663},[664,672,674],{"type":206,"attrs":665},{"href":666,"uuid":667,"anchor":25,"target":531,"linktype":532,"story":668},"/accounts-payable-software","01ed1057-9896-498c-926e-60bc926469a8",{"name":669,"id":670,"uuid":667,"slug":671,"url":671,"full_slug":671,"_stopResolving":41},"Accounts payable software",128157999,"accounts-payable-software",{"type":165,"attrs":673},{"color":212},{"type":214},{"text":676,"type":102,"marks":677}," includes OCR extraction, duplicate detection, and three-way matching across purchase orders, delivery notes, and invoices. It also brings invoice submission, approval workflows, and payment visibility into one connected flow, which helps finance teams spend less time moving between inboxes, spreadsheets, and payment tools.",[678],{"type":165,"attrs":679},{"color":167},{"type":96,"attrs":681,"content":682},{"textAlign":25,"key":235},[683],{"text":684,"type":102,"marks":685},"On the payment side, Spendesk covers international invoice payments across 71 countries and 31 currencies. Available countries, currencies, fees, and routes depend on your legal entity, account currency, recipient country, and payment method, so confirm them against the entities you pay from.",[686],{"type":165,"attrs":687},{"color":167},{"type":96,"attrs":689,"content":690},{"textAlign":25,"key":246},[691,696,711],{"text":692,"type":102,"marks":693},"Spendesk also uses AI suggestions and bookkeeping rules to pre-fill accounting details from historical patterns, with up to 96% accuracy according to Spendesk's internal reporting. That gives finance teams automation without giving up review control, especially when the main pain point is repetitive coding. For example, ",[694],{"type":165,"attrs":695},{"color":167},{"text":697,"type":102,"marks":698},"Codat cut month-end",[699,708,710],{"type":206,"attrs":700},{"href":701,"uuid":702,"anchor":25,"target":531,"linktype":532,"story":703},"/customers/codat/","8ff59c7e-cbcd-4f79-92cc-19f00688df5e",{"name":704,"id":705,"uuid":702,"slug":706,"url":707,"full_slug":707,"_stopResolving":41},"Codat",183427983819661,"codat","customers/codat",{"type":165,"attrs":709},{"color":212},{"type":214},{"text":712,"type":102,"marks":713}," processes from a full day to 30 minutes.",[714],{"type":165,"attrs":715},{"color":167},{"type":96,"attrs":717,"content":718},{"textAlign":25,"key":257},[719,724,739],{"text":720,"type":102,"marks":721},"For teams comparing matching depth more closely, the mechanics of a ",[722],{"type":165,"attrs":723},{"color":167},{"text":725,"type":102,"marks":726},"three-way match",[727,736,738],{"type":206,"attrs":728},{"href":729,"uuid":730,"anchor":25,"target":531,"linktype":532,"story":731},"/blog/three-way-match-accounting","7ca2ae0f-e52d-429b-beeb-70e6b781020c",{"name":732,"id":733,"uuid":730,"slug":734,"url":735,"full_slug":735,"_stopResolving":41},"Three-way match accounting: mastering the invoicing process",208803053,"three-way-match-accounting","blog/three-way-match-accounting",{"type":165,"attrs":737},{"color":212},{"type":214},{"text":740,"type":102,"marks":741}," show where those checks land in the invoice flow.",[742],{"type":165,"attrs":743},{"color":167},{"type":178,"attrs":745,"content":746},{"level":180,"textAlign":25},[747],{"text":748,"type":102,"marks":749},"How approval logic holds up as teams change",[750],{"type":165,"attrs":751},{"color":167},{"type":96,"attrs":753,"content":754},{"textAlign":25,"key":274},[755],{"text":756,"type":102,"marks":757},"Workflow design differs most in how each platform routes approvals as teams and reporting lines change.",[758],{"type":165,"attrs":759},{"color":167},{"type":178,"attrs":761,"content":762},{"level":424,"textAlign":25},[763],{"text":416,"type":102,"marks":764},[765],{"type":165,"attrs":766},{"color":167},{"type":96,"attrs":768,"content":769},{"textAlign":25,"key":432},[770],{"text":771,"type":102,"marks":772},"Moss offers multi-step approval flows with role-based routing tied to employee and manager hierarchies. The distinctive piece is HRIS sync. Connected HR systems such as Personio, Workday, and SAP keep the Moss directory and reporting lines updated automatically, so approval workflows don't need manual re-mapping every time your org chart changes. Budget-based triggers and mobile approvals round out the workflow.",[773],{"type":165,"attrs":774},{"color":167},{"type":178,"attrs":776,"content":777},{"level":424,"textAlign":25},[778],{"text":419,"type":102,"marks":779},[780],{"type":165,"attrs":781},{"color":167},{"type":96,"attrs":783,"content":784},{"textAlign":25,"key":448},[785],{"text":786,"type":102,"marks":787},"Spendesk's approval workflows use multi-condition rules combining cost centre, expense type, and category. Teams can set up sequential or parallel workflows. Thresholds route requests to line managers first, so finance only sees what crosses a defined amount. That matters if your current process routes every exception to the same approver, regardless of size.",[788],{"type":165,"attrs":789},{"color":167},{"type":96,"attrs":791,"content":792},{"textAlign":25,"key":457},[793,798,813],{"text":794,"type":102,"marks":795},"For scaling companies, the bigger question is whether approval logic keeps finance in control without turning the team into a bottleneck. For example, Tom Libbrecht, ",[796],{"type":165,"attrs":797},{"color":167},{"text":799,"type":102,"marks":800},"VP Finance at Silverfin",[801,810,812],{"type":206,"attrs":802},{"href":803,"uuid":804,"anchor":25,"target":531,"linktype":532,"story":805},"/customers/silverfin/","183b371c-3b75-4163-b71c-f370cb7dd1a0",{"name":806,"id":807,"uuid":804,"slug":808,"url":809,"full_slug":809,"_stopResolving":41},"Silverfin",128148927,"silverfin","customers/silverfin",{"type":165,"attrs":811},{"color":212},{"type":214},{"text":814,"type":102,"marks":815},", put it this way: \"We can add people, new expenses, and expense volume, without adding anything to the back-office because it's that far automated.\"",[816],{"type":165,"attrs":817},{"color":167},{"type":96,"attrs":819,"content":820},{"textAlign":25,"key":485},[821],{"text":822,"type":102,"marks":823},"Approval logic decides who signs off. The accounting stack decides where the data lands afterwards.",[824],{"type":165,"attrs":825},{"color":167},{"type":178,"attrs":827,"content":828},{"level":180,"textAlign":25},[829],{"text":830,"type":102,"marks":831},"Where Sage support draws the sharpest accounting line",[832],{"type":165,"attrs":833},{"color":167},{"type":96,"attrs":835,"content":836},{"textAlign":25,"key":501},[837],{"text":838,"type":102,"marks":839},"Both platforms cover the accounting software most UK finance teams already run, so the split comes down to specific packages rather than overall breadth. Moss is the option for teams on Sage 50 or Sage 200, and Spendesk reaches further into Sage 100, NetSuite, and continental European software.",[840],{"type":165,"attrs":841},{"color":167},{"type":178,"attrs":843,"content":844},{"level":424,"textAlign":25},[845],{"text":416,"type":102,"marks":846},[847],{"type":165,"attrs":848},{"color":167},{"type":96,"attrs":850,"content":851},{"textAlign":25,"key":517},[852],{"text":853,"type":102,"marks":854},"Moss connects to Xero, QuickBooks Online, and DATEV through API integrations. It also supports Sage 50 and Sage 200, through CSV export, not a direct connection. That's useful for posting to the ledger, though it stops short of the automated handoff the API integrations deliver.",[855],{"type":165,"attrs":856},{"color":167},{"type":178,"attrs":858,"content":859},{"level":424,"textAlign":25},[860],{"text":419,"type":102,"marks":861},[862],{"type":165,"attrs":863},{"color":167},{"type":96,"attrs":865,"content":866},{"textAlign":25,"key":543},[867],{"text":868,"type":102,"marks":869},"Spendesk integrates with Xero, NetSuite, Sage 100, DATEV, Odoo, Exact Online, and QuickBooks, and supports a public application programming interface (API) for custom integrations. Sage 50 and Sage 200 aren't currently covered. The part worth pressure-testing is your close process once transaction volumes rise across entities, currencies, or approval paths.",[870],{"type":165,"attrs":871},{"color":167},{"type":96,"attrs":873,"content":874},{"textAlign":25,"key":572},[875,880,895],{"text":876,"type":102,"marks":877},"If your team relies heavily on Xero or NetSuite, Spendesk's ",[878],{"type":165,"attrs":879},{"color":167},{"text":881,"type":102,"marks":882},"Xero expense management",[883,892,894],{"type":206,"attrs":884},{"href":885,"uuid":886,"anchor":25,"target":531,"linktype":532,"story":887},"/integrations/xero-expense-management","1c5be156-ce97-4ff5-bc9d-23b16b1aa328",{"name":888,"id":889,"uuid":886,"slug":890,"url":891,"full_slug":891,"_stopResolving":41},"Xero Integration",129358254,"xero-expense-management","integrations/xero-expense-management",{"type":165,"attrs":893},{"color":212},{"type":214},{"text":896,"type":102,"marks":897}," pages give a better sense of how the accounting handoff works in practice.",[898],{"type":165,"attrs":899},{"color":167},{"type":96,"attrs":901,"content":902},{"textAlign":25,"key":601},[903],{"text":904,"type":102,"marks":905},"Integration breadth handles month-end mechanics. Compliance coverage decides which markets you can serve cleanly.",[906],{"type":165,"attrs":907},{"color":167},{"type":178,"attrs":909,"content":910},{"level":180,"textAlign":25},[911],{"text":912,"type":102,"marks":913},"What German e-invoicing support actually covers",[914],{"type":165,"attrs":915},{"color":167},{"type":96,"attrs":917,"content":919},{"textAlign":25,"key":918},"p-17",[920],{"text":921,"type":102,"marks":922},"Both platforms receive German e-invoices in XRechnung and ZUGFeRD formats, so the question isn't whether the formats are supported. What separates them is validation, exception handling, retention, and how the invoice reaches your accounting system.",[923],{"type":165,"attrs":924},{"color":167},{"type":178,"attrs":926,"content":927},{"level":424,"textAlign":25},[928],{"text":416,"type":102,"marks":929},[930],{"type":165,"attrs":931},{"color":167},{"type":96,"attrs":933,"content":935},{"textAlign":25,"key":934},"p-18",[936],{"text":937,"type":102,"marks":938},"Moss assigns VAT rates automatically on invoices and card transactions, syncing VAT codes from connected accounting systems. Moss states that its accounting software solution holds an IDW PS 880 n.F. certificate supporting bookkeeping in line with German accounting principles. A certificate of that kind doesn't by itself confirm that any individual implementation is GoBD-compliant. Moss confirms SEPA instant payments natively in the EEA and supports UK Faster Payments.",[939],{"type":165,"attrs":940},{"color":167},{"type":96,"attrs":942,"content":944},{"textAlign":25,"key":943},"p-19",[945],{"text":946,"type":102,"marks":947},"On e-invoicing, Moss documents the receipt and processing of incoming XRechnung and ZUGFeRD invoices, including EN 16931 validation, compliance-status classification, supplier-exemption handling, payment or export workflows, and long-term archiving. That documentation covers inbound invoices, and it isn't confirmation of full outbound or business-to-government coverage.",[948],{"type":165,"attrs":949},{"color":167},{"type":178,"attrs":951,"content":952},{"level":424,"textAlign":25},[953],{"text":419,"type":102,"marks":954},[955],{"type":165,"attrs":956},{"color":167},{"type":96,"attrs":958,"content":960},{"textAlign":25,"key":959},"p-20",[961],{"text":962,"type":102,"marks":963},"Spendesk uses machine learning-based VAT account prediction that learns from historical bookkeeping data. For SEPA, there are two routes. Eligible euro payments can be sent directly through Spendesk and reach SEPA-zone beneficiaries within 10 seconds, subject to eligibility rules and limits of €100,000 per transfer and €500,000 per day.",[964],{"type":165,"attrs":965},{"color":167},{"type":96,"attrs":967,"content":969},{"textAlign":25,"key":968},"p-21",[970],{"text":971,"type":102,"marks":972},"Spendesk can also generate an XML SEPA file, which is particularly useful for expense reimbursements. Your team downloads the file and uploads it to your own bank, which then executes the payments, and multiple reimbursements can be consolidated into a single file. This route isn't automatically SEPA Instant, because execution and speed depend on your bank.",[973],{"type":165,"attrs":974},{"color":167},{"type":96,"attrs":976,"content":978},{"textAlign":25,"key":977},"p-22",[979],{"text":980,"type":102,"marks":981},"For German entities, Spendesk supports incoming XRechnung and ZUGFeRD supplier invoices, submitted through the desktop app, Invoice Inbox, or supplier email forwarding. Spendesk preserves the original XML, makes it available for review, and exports a compliant PDF containing the embedded XML to connected accounting systems. The current capability covers supplier invoices and accounts payable, so mobile, expense-claim, and card-payment uploads aren't supported yet. An upgraded DATEV integration with Rechnungswesen functionality is slated for autumn 2026.",[982],{"type":165,"attrs":983},{"color":167},{"type":96,"attrs":985,"content":987},{"textAlign":25,"key":986},"p-23",[988],{"text":989,"type":102,"marks":990},"Spendesk also publishes e-invoicing support for France and Belgium, and for UK operations, Making Tax Digital compliance data syncs through connected accounting software.",[991],{"type":165,"attrs":992},{"color":167},{"type":96,"attrs":994,"content":996},{"textAlign":25,"key":995},"p-24",[997],{"text":998,"type":102,"marks":999},"If Germany is a live market for you, put validation, archiving, and accounting export side by side, not just format support.",[1000],{"type":165,"attrs":1001},{"color":167},{"type":282,"attrs":1003},{"id":466,"body":1004},[1005],{"_uid":1006,"asset":1007,"caption":72,"component":474},"i-6b8c9563-ace5-44b5-b4e9-48b41ebc2127",{"id":1008,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":1009,"copyright":72,"fieldtype":77,"meta_data":1010,"is_external_url":28},208918519318819,"https://a.storyblok.com/f/146026/1600x1067/44fa0982da/dts_grand_design_daniel_faro_photos_id4156-1.jpg",{"size":1011},"1600x1067",{"type":178,"attrs":1013,"content":1014},{"level":180,"textAlign":25},[1015],{"text":1016,"type":102,"marks":1017},"Why a longer setup window can be worth it",[1018],{"type":165,"attrs":1019},{"color":167},{"type":96,"attrs":1021,"content":1023},{"textAlign":25,"key":1022},"p-25",[1024,1038],{"text":1025,"type":102,"marks":1026},"Pierre Frey",[1027,1035,1037],{"type":206,"attrs":1028},{"href":1029,"uuid":1030,"anchor":25,"target":531,"linktype":532,"story":1031},"/customers/pierre-frey/","bf1013ed-c14b-4915-ac8f-94579d671b8a",{"name":1025,"id":1032,"uuid":1030,"slug":1033,"url":1034,"full_slug":1034,"_stopResolving":41},116909678876143,"pierre-frey","customers/pierre-frey",{"type":165,"attrs":1036},{"color":212},{"type":214},{"text":1039,"type":102,"marks":1040}," runs Spendesk across five international entities, where the structured implementation paid off by eliminating paper expense claims entirely, including cash advances. That kind of result depends less on speed and more on whether the implementation fits the complexity of your workflows.",[1041],{"type":165,"attrs":1042},{"color":167},{"type":178,"attrs":1044,"content":1045},{"level":424,"textAlign":25},[1046],{"text":416,"type":102,"marks":1047},[1048],{"type":165,"attrs":1049},{"color":167},{"type":96,"attrs":1051,"content":1053},{"textAlign":25,"key":1052},"p-26",[1054,1059,1068],{"text":1055,"type":102,"marks":1056},"Moss is built for fast setup. Paid plans include 1:1 onboarding support, and Moss carries a ",[1057],{"type":165,"attrs":1058},{"color":167},{"text":1060,"type":102,"marks":1061},"G2 Best Support badge",[1062,1065,1067],{"type":206,"attrs":1063},{"href":1064,"uuid":25,"anchor":25,"target":209,"linktype":81},"https://www.g2.com/products/moss-spend-smarter/reviews",{"type":165,"attrs":1066},{"color":212},{"type":214},{"text":1069,"type":102,"marks":1070}," for Winter 2025. 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