Candis vs Moss

Candis

Receipts are photographed in the mobile app or uploaded at the desk and converted to PDF, recognition reads the gross amount, tax rate and VAT automatically with a confidence marker, and claims for out-of-pocket spending, entertainment, mileage with calculated distance and per diems are submitted from the phone. That is well past simple photo attachment, but we found no public information on receipts collected automatically from email inboxes or named suppliers, duplicate and fraud checks on submission, a substitute receipt for lost originals, or a certified replacement-scanning procedure.

Moss

Receipts come in with almost no employee effort: the mobile app photographs them and optical recognition fills vendor, date and amount with stated accuracy of up to 99 percent, the Receipt Finder scans Gmail and Outlook inboxes and fetches from more than fifty merchants, TravelPerk transactions are matched automatically, and duplicate expenses are flagged. A GoBD confirmation to IDW PS 880 is published, and receipts travel through to the posting via DATEV Belege Online, archived audit-compliant and automatically linked to the booking. We found no public information on a substitute receipt for lost originals, on per-receipt VAT figures, or on route calculation for mileage.

Candis

Own Visa cards come physical and virtual, single-use or permanent, with monthly and per-transaction limits adjustable at any time, blocking and unblocking, transactions visible in real time and over 90 percent of receipts matched automatically; card and limit requests need admin approval before anything changes. What I miss as a policy owner — budgets that cards draw from, merchant-category limits, pre-approval of a purchase before the charge, and the issuing institution with its licence — has no public information on the captured pages.

Moss

The vendor issues its own Mastercard programme with unlimited virtual cards, per-card and per-transaction limits, merchant-category blocking, time windows, single-use and merchant cards for subscriptions, and freezing in seconds — the pre-spend control I need — while budgets let several employees spend from one pool by card, invoice or reimbursement. Cards are blocked automatically for staff with overdue receipts, purchase orders and custom approvals run before the money moves, and card requests go through approval rules. The captured pages give different names for the issuing institution, one a Berlin e-money institution under BaFin licence 159024 and another a Gibraltar-regulated issuer, and we found no public information on feeds from existing company bank cards.

Candis

Multi-level workflows run as ordered steps with conditions such as "Total > €1,000" evaluated automatically, a dynamic approver field, team or single-person steps, mandatory cost centre, cost object and tax code fields per step, an absence-driven deputy rule, purchase requisitions released before spend, unlimited entities in one account, and an immutable process log with change history that travels with the export. I hold it below the top level because policy limits per country checked before submission, duplicate and anomaly detection, and escalation rules are not described on the captured pages.

Moss

Approval rules can be built per spend type — invoices, reimbursements, card transactions and card requests — evaluated in a defined priority order, edited in a draft mode before publishing, and every spend item shows in its activity log which rule selected each approver, which is the who-approved-what trail my auditors ask for. Purchases are approved before the money moves, payouts require four-eye authorisation, and approval runs from the mobile app. We found no public information on routing defined explicitly by amount or cost centre, on deputies and escalation, or on running several legal entities in one account.

Candis

Per diems are computed from the German Federal Ministry of Finance flat rates — varying by destination country, trip duration and entry and exit times, with employer-provided meals reducing the amount and the calculation visible per entry — mileage follows the Kilometerpauschale with calculated routes and a custom distance override, and reimbursements leave via a SEPA XML file to the IBAN stored in the employee profile. The VAT rate and amount are read automatically and split per line item, with invoices checked against § 14 UStG; we found no public information on foreign VAT reclaim or reimbursement in several currencies within a stated time.

Moss

Approved claims are paid out from the Moss balance or exported as a SEPA file, and the per diem engine carries statutory German and Austrian law — the Federal Ministry of Finance rate list, the 28 and 14 euro day rates, 20 and 40 percent meal deductions, the Austrian 12/12 rule with the 3/3 rule announced — at defaults a company can customise, with tax-free treatment stated. Mileage is calculated against official or custom rates, and each transaction is mapped to an expense account and VAT code. We found no public information on foreign VAT reclaim, on taxable amounts passed to payroll, or on a stated payout time.

Candis

The DATEV handoff is the strongest part: a licensed interface partner under DATEV's own technical review, with the Buchungsdatenservice delivering finished booking batches to DATEV Kanzlei-Rechnungswesen, receipt images linked in DATEV Unternehmen online, CSV and XML file exports including document images always available, named native connections to SAP Business One, Microsoft Business Central, Sage 100 and NetSuite, an open API, automatic accruals, and a GoBD-certified ten-year archive. Card transactions export intra-monthly with their approvals. We found no public information on webhooks or an explicit two-way ERP sync.

Moss

DATEV Direct is described as a permanent two-way integration into DATEV Rechnungswesen: chart of accounts, suppliers and cost centres KOST1 and KOST2 synchronise both ways, reviewed and approved transactions land in DATEV batch processing, and receipts are archived audit-compliant and automatically linked to postings via Belege Online. Ten further accounting systems are named with mapping to accounts, tax codes and cost centres, exports run as CSV, API or scheduled SFTP with attachments, coding accuracy is stated above 90 percent from day one and improving, and a GoBD confirmation to IDW PS 880 is published. We found no public information on webhooks, on multi-entity bookings with accruals, or on an offered procedure documentation.

Candis

Candis GmbH of Berlin, registered at court Charlottenburg under German law with a German VAT number, a published data processing agreement, a named data protection officer and documented export and deletion after termination make a solid European contracting side. For the product chain itself — hosting of receipt, card and employee data, the card issuer and processor, text recognition and open banking — the captured pages name no infrastructure; the named subprocessors with locations all serve the website, delivered from Frankfurt by Vercel Inc. of the USA, and no ISO 27001 or SOC 2 certification is stated.

Moss

Two Berlin entities, Nufin GmbH and Moss GmbH, both registered at Amtsgericht Charlottenburg, appear as contracting parties, Moss GmbH holds BaFin e-money licence 159024, the product is stated as developed and hosted in Germany, and the trust centre names Google Cloud Platform in an EU region as hosting provider alongside published ISO 27001 and SOC 2 Type 2 reports. The chain is not fully European: the hosting provider is US-headquartered, payment services for Pay with Moss run through Airwallex Netherlands, an EU entity of a non-EU parent, and the captured pages give different names for the card issuer, one of them Gibraltar-regulated. We found no public information on a published data processing agreement or on the full subprocessor list with each location.

Candis

A 30-day trial, unlimited users and entities without surcharge, 1,50 EUR per document beyond the package volume and published notice periods are on the table, but no package or base price appears on the captured pages — prices come as an individual PDF overview on request and via an order form — so I cannot compute an annual cost for four legal entities and twelve hundred staff. The captured pages also describe credit cards both as unlimited without extra cost and as an add-on feature, which leaves that cost open.

Moss

A free start with Cards or Accounts Payable is published, the platform with mobile app and integrations is stated as always included, unlimited users and cards and one-to-one onboarding are listed, and virtual cards carry no per-card fees, with credit funding at 0% interest when repaid on time. Beyond that the model is a modular, design-your-own package with add-ons such as Advanced Accounting, Advanced Controlling, Procurement and ERP integrations, and the captured pricing page itself notes that no prices are stated on it. We found no public information on per-user or base prices for any module or add-on, on term minimums, on VAT treatment, or on foreign-currency fees, so the annual cost is not computable from public pages.