Expense Management
Mooncard
EU-Made Report an error0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.
by Moongroup SAS · www.mooncard.co
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Mooncard at a glance
- Vendor
- Moongroup SAS
- Headquarters
- Not stated on the vendor’s pages as of 28 Oct 2026
- Data hosting
- Not stated on the vendor’s pages as of 28 Oct 2026
- Free plan
- Not stated on the vendor’s pages as of 28 Oct 2026
- Panel verdict
- The AI panel rates Mooncard 2.5/5, the mean of 6 judges. Mooncard, from Moongroup SAS, is expense management built around corporate payment cards, and the scores follow that shape. how scores are made
- As of
- Vendor pages captured 28 Oct 2026; evaluated by the panel 29 Oct 2026. all sources
Read this page as one judge. Each weighs the same scores by what they care about.
The panel's verdict
Mooncard, from Moongroup SAS, is expense management built around corporate payment cards, and the scores follow that shape. Its strength is cards and spend control, scores clustering at 7: physical and single-use or recurring virtual Visa cards, more than 60 authorization parameters activated online in real time, automatic blocking on theft, loss or over-limit, and a named, regulated issuer — Paynovate SA, a Belgian e-money institution regulated by the National Bank of Belgium. Accounting export clusters at 5 on named connectors — Sage, SAP, CEGID and more — plus a public API and custom integrations. The weak side is reimbursement and VAT, scores running 3 to 4: the per-diem pages read as UK guidance, and no public information appears on paying claims back to employees. Receipt capture spreads 4 to 6, as judges weighed the claimed photo-and-OCR flow (97% of receipts within 24 hours) against unstated detail on what the OCR reads. Sovereignty scores 4 to 5: a European, regulator-numbered payment chain, but data hosting is unstated. No price figure is published; cost comes through a demo and a customized quote.
Speaks for it
- Cards and spend control scores cluster at 7, on physical Visa Corporate cards plus single-use and recurring virtual cards carrying more than 60 authorization parameters activated online in real time.
- The issuing chain is named and regulator-registered — Paynovate SA, an electronic money institution registered with the National Bank of Belgium and passported in all European countries, with Moongroup SAS holding ACPR agent number 89380.
- Named connectors span Sage, SAP, Microsoft Dynamics, CEGID, EBP, Exact Online, Quadratus, Divalto and Chorus Pro, alongside a public API and custom integrations.
- Receipts are photographed at payment and the expense report fills itself, with a vendor claim of 97% of receipts collected within 24 hours and an electronically signed digital safe.
- Three plans publish their segmentation — Start with 3 seats and no cards, Original with 5 seats and one physical and/or virtual card per user, Hub adding 5 seats per entity — so a buyer can see how the tiers differ.
Held against it
- Reimbursement and VAT scores run 3 to 4, the per-diem material reads as UK guidance (£5/£10/£25 meal rates), and no public information appears on paying approved claims back to employees or a SEPA payment file.
- Approval and policy scores run 4 to 5, and the captured pages show no information on routing by amount, cost centre or entity, deputies, escalation, or a record of who approved what.
- We found no public information on where receipt and employee data are hosted — the only host named anywhere is HubSpot in Cambridge, Massachusetts, for the website — nor on a data processing agreement or ISO 27001 or SOC 2 certification.
- The captured legal pages give different figures for the registered address and different statements on the CNIL declaration.
- No price figure is published for any plan, card fee, currency fee, term or setup; the pricing page's call to action is 'Request a demo'.
Best for
- You want corporate cards with tight real-time spend control — limits by amount, merchant category, days and hours, automatic blocking — at the centre of your expense process.
- Your accounting runs on one of the named systems, such as Sage, SAP, CEGID or Microsoft Dynamics, and you want entries fed in accordance with your chart of accounts.
- You want a named, regulator-registered European payment chain — a Paris-registered vendor acting for Belgian and French e-money institutions — rather than an unnamed issuer.
Avoid if
- You need approvals routed by amount, cost centre or entity with deputies and escalation; what the pages describe is up to three sequential validation levels with merchant-category limits.
- You require a data processing agreement, a published subprocessor list or ISO 27001 or SOC 2 certification before signing; the security page names only firewalls, anti-virus and restricted access.
The scores
| Criterion | Panel median |
|---|---|
| Receipt capture & expense claims | 2.5 of 5 |
| Company cards & spend control | 3.5 of 5 |
| Approval workflows & expense policy | 2 of 5 |
| Reimbursement, travel allowances & VAT | 2 of 5 |
| Accounting handoff & DATEV | 2.5 of 5 |
| European sovereignty | 2 of 5 |
Receipt capture & expense claims
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How this is scored
How an expense gets into the system: a mobile app that photographs receipts, text recognition (OCR) that reads amount, date, merchant and VAT, receipts forwarded by email or pulled from suppliers, claims for out-of-pocket spending in any currency, mileage and trip entries, a substitute receipt (Eigenbeleg) when the original is lost, and duplicate detection.
0 — Not an expense capture tool; receipts and claims cannot be recorded in the product.
3 — Receipts uploaded as photos or files and attached to an expense by hand; text recognition, email capture or claims in other currencies are basic or not described.
5 — A mobile app that captures receipts with text recognition reading amount, date and merchant, receipts forwarded by email, expense claims for out-of-pocket spending submitted from the app, and foreign currencies converted.
8 — Extraction of VAT rates and amounts and line items, receipts collected automatically from email inboxes or named suppliers, duplicate and fraud checks on submission, a substitute receipt for lost originals, mileage with route calculation, and replacement scanning (ersetzendes Scannen) stated as GoBD-compliant so paper originals may be discarded.
10 — Capture without employee effort: e-receipts delivered directly by travel and merchant partners, extraction accuracy or review process published, a certified scanning procedure (for example an audit report to IDW PS 880 or a TÜV certificate) named, and every receipt traceable from capture to booking.
The Travelling Employee
The app lets me photograph a receipt at payment and auto-fills the expense report for my approval, with what the vendor calls Smart OCR, receipts pushed straight to finance, and a claimed 97% of receipts collected within 24 hours — exactly the snap-and-done flow I want. We found no public information on VAT fields read off the receipt, receipts pulled from email inboxes or named suppliers, mileage and trip entries, duplicate checks or a substitute receipt, so I cannot place it higher. 8 5 12 15 1 9
The Office Manager
The mobile app is the centre of it: staff photograph the receipt when they pay, the expense report fills itself out and they just approve it, with "Smart OCR and ultra-fast receipt entry" in every plan and a homepage claim of 97% of receipts collected within 24 hours. We found no public information on receipts forwarded by email, out-of-pocket claims in foreign currencies, or which fields the OCR reads, so this sits below the fuller capture loop. 8 12 15 5 1
The Controller
Employees photograph the receipt at payment and the app auto-fills the expense report for them to approve, with smart OCR named in the plans and 97% of receipts reported collected within 24 hours. We found no public information on email capture of receipts, out-of-pocket claims in foreign currencies, duplicate detection or a substitute receipt for lost originals. 8 5 12 1 9
The Finance Lead
The employee photographs the receipt at the moment of payment and the app 'automatically fill[s] out your expense report' for approval, with 'Smart OCR and ultra-fast receipt entry' on the plan pages and receipts kept in an electronically signed digital safe the vendor calls enforceable against HMRC and other tax authorities. We found no public information on email or supplier-side receipt collection, mileage or trip entries, foreign-currency claims, or duplicate checks, so the capture story stays at the photo-plus-OCR level. 8 15 5 12
The Tax Adviser
The mobile app photographs a receipt, automatically fills the expense report for the employee to approve, with "Smart OCR and ultra-fast receipt entry" named on the pricing page and 97% of receipts reported collected within 24 hours. For German clients the captured pages give no information on VAT rate and amount read from the receipt, duplicate checks, a substitute receipt for lost originals, or mileage entries, and the claim that supporting documents may be thrown away rests on a digital safe "enforceable against Her Majesty's Revenue and Customs (HMRC)", not a GoBD-certified scanning procedure. 5 8 15 12 1
The Skeptic
A mobile app photographs the receipt at payment and 'Smart OCR and ultra-fast receipt entry' fills the expense report for one-tap approval, receipts land in an electronically signed digital safe, and the vendor claims 97% of receipts collected within 24 hours. What the text recognition actually reads is never spelled out, and we found no public information on email capture, out-of-pocket claims in foreign currencies, duplicate checks or a substitute receipt for lost originals. 1 5 8 12 15
Company cards & spend control
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How this is scored
How spending is controlled before it happens: physical and virtual company cards with limits, single-use and subscription cards, limits by amount, merchant category and time, budgets per team or project, real-time notifications and receipt reminders — or, for a product that issues no cards of its own, live feeds from the company's existing cards with automatic receipt matching. The issuing institution and its licence count where cards are issued.
0 — Neither issues cards nor reads card transactions; only out-of-pocket claims exist.
3 — Card transactions imported from a statement file or a single feed and matched by hand, or a card offer with fixed limits; budgets, reminders and controls are basic or not described.
5 — Either own physical and virtual cards with per-card limits, freezing and real-time notifications, or live feeds from named corporate card schemes or banks with automatic matching of receipts to transactions; spending visible as it happens and employees reminded to submit receipts.
8 — Cards for every employee with limits by amount, merchant category and period, single-use and subscription cards, budgets per team or project that cards draw from, pre-approval of a purchase before the card is charged, feeds from existing bank cards beside the own cards, and the issuing institution and licence named.
10 — Spend control across the company: multi-entity and multi-currency card accounts, budgets and policies enforced at the moment of payment, card spend reconciled to the statement automatically, safeguarding of funds and credit terms stated, and cards and transaction history portable to another provider.
The Travelling Employee
This is the heart of the product: physical and single-use or recurring virtual Visa cards, more than sixty authorization parameters switched online in real time (limits by amount, days and hours of use, uses restricted to things like fuel, parking and tolls), automatic blocking on theft, loss or exceeding limits, spending-limit alerts, 3D Secure, wallets, ATM withdrawals and reusable card templates. The issuing institution and licence are clearly named — Paynovate SA, an electronic money institution regulated by the National Bank of Belgium and passported across Europe, under a Visa licence. We found no public information on budgets per team or project that cards draw from, or live feeds from a company's existing bank cards, which keeps me just under the top of this range. 5 12 4 11 10 3 14
The Office Manager
Physical and single-use or recurring virtual Visa cards with limits by amount, merchant type, day and hour, more than 60 authorization parameters activated online and in real time, automatic blocking on theft, loss or exceeding limits, and spending limit alerts, issued by Paynovate SA, an e-money institution regulated by the National Bank of Belgium. We found no public information on budgets per team or project that cards draw from, or feeds from existing bank cards. 5 4 10 11 12 3
The Controller
Physical cards plus single-use and recurring virtual Visa cards carry limits by amount, merchant category and period — over 60 authorization parameters activatable online in real time — with automatic blocking on theft, loss or over-limit and manager alerts, and the issuer Paynovate SA with its Belgian e-money licence is named. We found no public information on budgets per team or project that cards draw from, or on live feeds from our existing bank cards, which is what my four entities would need next. 12 5 4 10 11 14
The Finance Lead
Physical VISA Corporate cards plus recurring or single-use virtual cards, more than 60 authorization parameters activated online and in real time (spend limits, days and hours, merchant types), automatic blocking on theft, loss or exceeded limits, and reusable card templates. The issuing institution and licence are fully named: Paynovate SA, an electronic money institution regulated by the National Bank of Belgium under a Visa licence and passported across Europe. We found no public information on budgets per team or project that cards draw from, or on feeds from the company's existing bank cards. 12 5 10 11 3
The Tax Adviser
This is the product's centre: physical Visa cards plus single-use and recurring virtual cards, with periodic limits per employee, permitted days and hours, merchant-category restrictions, manager alerts, automatic blocking and more than 60 authorization parameters activated online in real time. The issuer is named and regulated — Paynovate SA, an electronic money institution registered with the National Bank of Belgium, with Moongroup as a registered payment services agent. I found no public information on budgets per team or project that cards draw from, pre-approval of a purchase before the charge, or feeds from the company's existing bank cards. 5 12 4 10 3
The Skeptic
Physical Visa Corporate cards plus single-use and recurring virtual cards, with more than 60 authorization parameters activated online in real time, limits by amount, merchant category, hours and days, automatic blocking on theft, loss or over-limit, and per-employee periodic limits. The issuing institution is fully named — Paynovate SA, a Belgian e-money institution under Visa licence — which is more than most card programmes publish. We found no public information on budgets per team or project that cards draw from, or on feeds from a company's existing bank cards. 4 5 10 12 14
Approval workflows & expense policy
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How this is scored
How the company's rules are applied: approval chains by amount, team, cost centre or project, delegation and deputies, an expense policy with limits per category and per country that the product checks, pre-approval of trips and purchases, roles and permissions, multi-entity set-ups, and an audit trail of who approved and changed what.
0 — No approval step; every expense goes straight to export or payment.
3 — A single approver per employee or one sign-off step; policy rules, deputies and audit history are basic or not described.
5 — Multi-step approval flows configurable by amount, team or cost centre, an expense policy with limits per category that flags violations, approval from the mobile app, and a history of who approved what.
8 — Rule-based routing by amount, project, cost centre and entity with deputies and escalation, policy checks before submission (limits per country, per diem rules, duplicates), pre-approval of trips or purchases, granular roles and permissions, several legal entities in one account, and an exportable audit trail.
10 — Controls that stand up to an audit: anomaly and fraud detection with its rules explained, separation of duties enforced, country-specific policies maintained centrally, every change to a claim versioned and attributed, and control reports offered to auditors.
The Travelling Employee
Up to three validation levels — employee check, manager review, accountant approval — a customised approval process limiting cards to specific uses, time slots and days to keep use strictly professional, and travel-policy help for planning and claiming. We found no public information on deputies or escalation, an audit trail of who approved what, or policy checks before submission such as per-diem rules or duplicate flags; the multi-entity hint (seats per entity on the top plan) is not elaborated. 2 3 12 13 5
The Office Manager
Up to three validation levels — employee verification, manager review, accountant approval — plus card authorizations restricted to uses like fuel, parking and tolls, and an amount-plus-deadline rule for exceptional expenses. Routing by amount, team or cost centre, deputies, an expense policy the product checks, and a history of who approved what are not described on the pages we read. 2 3 11 12
The Controller
Up to three validation levels are described — employee verification, manager review, accountant approval — which is more than a single sign-off step. We found no public information on routing by amount, cost centre or entity, policy limits checked before submission, deputies and escalation, or a record of who approved and changed what. 3 2 11 12 13
The Finance Lead
The captured pages show up to three validation levels — verification by the employee, review by the manager, approval by the accountant — plus a customized card approval process with merchant-category limits and an amount-and-deadline rule for exceptional expenses. We found no public information on routing by amount, cost centre or entity, on deputies and escalation, or on an audit trail of who approved and changed what. 3 2 11 10 13
The Tax Adviser
Up to three validation levels — employee verification, manager review, accountant approval — are described, and card use can be restricted to categories such as fuel, parking and tolls through a customized approval process. The captured pages give no information on routing by amount, cost centre or project, deputies and escalation, or an exportable history of who approved what, and the travel-policy page offers help drafting a policy rather than product-enforced per-country limits. 2 3 11 12 13
The Skeptic
Up to three validation levels — employee verification, manager review, accountant approval — sit beside a customized approval process and merchant-category limits enforced at the card itself. Routing by amount, team or cost centre, deputies and escalation, an audit trail of who approved what, and trip pre-approval are not described; the only pre-approval hint is an amount-and-deadline rule for exceptional expenses. We found no public information on granular roles or several legal entities, beyond a 5-seats-per-entity line on the top plan. 2 3 5 10 11
Reimbursement, travel allowances & VAT
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How this is scored
How the employee gets money back and the company gets the tax right: reimbursement of approved claims by bank transfer or a SEPA payment file, mileage allowances and per diems at statutory rates per country (Verpflegungspauschalen, Kilometerpauschale, meal deductions), taxable and tax-free reimbursements separated for payroll, the input VAT captured per receipt for the deduction, and foreign VAT reclaimed.
0 — No reimbursement of employees; the product covers company cards only and out-of-pocket spending is out of its scope.
3 — Out-of-pocket claims recorded and paid back outside the product by hand; travel allowances and VAT handling are basic or not described.
5 — Approved claims reimbursed through the product or a SEPA payment file, mileage and per diems at configurable rates, and the VAT rate and amount captured per receipt for the input-tax deduction.
8 — Statutory per diems and mileage rates per country maintained by the vendor (German travel expense law named), meal deductions and multi-day trips calculated, reimbursement in several currencies within a stated time, VAT split per rate and receipts checked for the invoice requirements of the deduction, and foreign VAT reclaim offered or integrated with a named partner.
10 — Travel expense law and VAT handled end to end: country rules kept current with a stated process, taxable reimbursements passed to payroll, foreign VAT reclaim filed with the recovered amounts reported, and every reimbursement traceable to the claim and the rule that produced it.
The Travelling Employee
VAT recovery is a stated product capability — every expense calculated, justified and exportable in one click for the declaration, with receipts kept in an electronically signed digital safe the vendor calls enforceable against HMRC and other tax authorities — and the per-diem pages set out UK scale rates, meal allowances and tax treatment as guidance. We found no public information on approved claims being reimbursed through the product or a SEPA payment file, or on statutory mileage and per-diem rates computed by the system, so the employee money-back side rests on the card rather than a documented repayment flow. 14 15 12 9
The Office Manager
The VAT pitch is concrete: "recover VAT in just one click", every expense calculated, justified and ready to export for the declaration, with receipts held in a digitally signed archive enforceable against tax authorities. We found no public information on paying approved claims back through the product, statutory per diem or mileage rates maintained by the vendor, or foreign VAT reclaim; the per-diem pages read as UK rate guidance (£5/£10/£25) rather than product features. 14 15 12
The Controller
Spending sits on the employer's card rather than on the employee's pocket, and VAT recovery is described — every expense calculated, justified and ready to export for the declaration in one click. The per-diem and mileage material we read is UK guidance content; we found no public information on how claims are paid out, on statutory per-country rates maintained by the vendor, or on foreign VAT reclaim. 14 15 12
The Finance Lead
The pitch is that the company card removes the advance — 'every time you pay with your Mooncard card, you take a photo of your receipt, and it's over' — while the per diem pages are definitional UK content (HMRC scale rates, meal amounts) and the VAT pages claim one-click VAT recovery where every expense is 'calculated, justified, and ready to be exported for your declaration'. We found no public information on reimbursing employees through the product or a SEPA payment file, on statutory German per diems or mileage rates, or on a payroll handoff for taxable amounts. 12 15 14
The Tax Adviser
VAT recovery is a product claim — every expense "calculated, justified, and ready to be exported" for the declaration in one click — but all rate content is UK: HMRC's 20%, 5% or 0% rates, UK scale-rate meal allowances and the PAYE treatment of round sums. I found no public information on reimbursement of approved claims through the product or a SEPA payment file, statutory per diems or mileage at country rates maintained by the vendor, German travel expense law, or a foreign VAT reclaim partner. 14 15 12
The Skeptic
The one concrete product claim is VAT recovery in a click, with every expense 'calculated, justified, and ready to be exported for your declaration'. The per-diem and UK scale-rate pages read as definitional guidance — they state HMRC rules and £5/£10/£25 meal rates rather than showing the product computing statutory allowances — and we found no public information on reimbursement by transfer or SEPA file, mileage at statutory rates, or foreign VAT reclaim with a named partner. 12 14 15
Accounting handoff & DATEV
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How this is scored
What reaches the books: export or sync to DATEV (DATEV format, DATEV Unternehmen online, Belegbilderservice) and to named accounting and ERP systems, booking proposals with account, tax key and cost centre, receipts that travel with the booking, card statements reconciled, a GoBD-compliant archive, an API and webhooks, and a complete export of claims, receipts and booking data.
0 — No export of any kind; expenses have to be retyped into the books.
3 — A CSV or PDF export of expense reports; booking data, named integrations and the archive are basic or not described.
5 — Export or sync to at least one named accounting system (DATEV or another) with account and tax code per entry and the receipt attached, several accounting or ERP integrations listed, and a documented API.
8 — A DATEV interface with receipt images (DATEV Unternehmen online or the DATEV Marketplace named), booking proposals that learn account, tax key and cost centre, two-way sync with named ERPs (SAP, Microsoft Dynamics, NetSuite or similar), card statements reconciled for the month-end, a GoBD-compliant archive stated, and webhooks.
10 — The month-end close runs through the product: multi-entity bookings and accruals, a procedure documentation (Verfahrensdokumentation) or GoBD audit offered, a complete audit trail of every financial event, and a full export of claims, receipts and bookings that a successor system can import.
The Travelling Employee
Native connectors to a long list of named systems — Sage, CEGID, SAP, Microsoft Dynamics, Exact Online, EBP, Divalto, Quadratus, Chorus Pro, Agicap and more — feeding accounting data in line with our chart of accounts, plus a public API, custom tailor-made integrations, and a Sage flow where I choose the file format and import entries without re-typing. We found no public information on a DATEV interface, two-way ERP sync, webhooks or a card-statement reconciliation for month-end. 16 17 1 2 14
The Office Manager
A long list of named connectors — Sage, SAP, Microsoft Dynamics, CEGID, EBP, Ciel, Quadratus, Divalto, Exact Online, Chorus Pro and more — feeds accounting data in accordance with the customer's chart of accounts, beside a public API and custom integrations. We found no public information on a DATEV interface, a tax key per booking, two-way ERP sync, or a GoBD-compliant archive. 16 17 1 2
The Controller
Native connectors are listed for Sage, SAP, Microsoft Dynamics, CEGID, EBP, Exact Online, Chorus Pro and others, feeding data in line with our chart of accounts with a selectable Sage file format, plus a public API and a searchable digital archive said to let you discard supporting documents. We found no public information on a DATEV interface, booking proposals that learn account and tax key, card-statement reconciliation for the month-end, or a GoBD-compliant archive. 16 17 12 5
The Finance Lead
A dozen named connectors — Sage, SAP, CEGID, Microsoft Dynamics, EBP, Exact Online, Quadratus and Divalto among them — with native connectors that feed accounting data 'in accordance with your chart of accounts', a Sage export with selectable file format, a public API, custom integrations and configurable accounting workflows. As the one who closes the month in Germany, I have to record that we found no public information on a DATEV interface, on booking proposals with tax key and cost centre, on two-way ERP sync, or on card statements reconciled for the month-end. 16 17 5 2 12
The Tax Adviser
The connector list is broad — Sage, SAP, Microsoft Dynamics, CEGID, Exact Online, EBP, Quadratus, Divalto and more — fed "in accordance with your chart of accounts", with a Sage export format selectable in the interface, a public API and custom integrations. But I found no public information on a DATEV interface, booking proposals carrying a tax key, receipt images travelling with the booking, card statement reconciliation, or a GoBD-compliant archive; the digital safe is framed against HMRC. 16 17 2 12
The Skeptic
Named connectors are plentiful — Sage, SAP, Microsoft Dynamics, CEGID, EBP, Quadratus, Exact Online, Chorus Pro — feeding data 'in accordance with your chart of accounts', with a public API, custom integrations, and a searchable digital archive said to let you discard supporting documents. We found no public information on a DATEV interface, tax keys per booking, receipts travelling with the booking, card statement reconciliation, webhooks, or any certified archive procedure. 1 2 12 16 17
European sovereignty
panel opinion
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How this is scored
Who the contracting entity and the parent company are, where receipt, card and employee data are hosted, and who the subprocessors are (hosting, card issuer and processor, text recognition, open banking, email delivery). Independently sourced by the sovereignty pipeline; expense data is personal and financial at once and shows where employees travel, so the whole chain counts, not only the database.
0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.
3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.
5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (text recognition, card processing, email, analytics, support) run through non-EU providers without a stated safeguard.
8 — EU hosting on named infrastructure, EU contracting entity and card issuer, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.
10 — Sovereign end to end and evidenced: European ownership, entity, issuer, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.
The Travelling Employee
The contracting entity is French — Moongroup SAS, RCS Paris, French governing law, a named data privacy officer — with ACPR registration as payment agent, and the cards come from Paynovate SA, a Belgian e-money institution regulated by the National Bank of Belgium with Treezor in Paris also named: a European payment chain with named regulators. But the legal notice names Hubspot in Cambridge, Massachusetts as host of the site, the hosting location of my receipt and card data is unstated, and we found no published subprocessor list, data processing agreement, or ISO 27001 or SOC 2 certification. 6 7 14 1 5 16
The Office Manager
The company is Moongroup SAS of Paris under French law, cards are issued by the Belgian-regulated Paynovate SA with Treezor of Paris in the payment chain, and a data privacy officer is named. But where the expense data itself is hosted is not stated, the legal notice names Hubspot of Cambridge, Massachusetts as the site's host, no security certification or data processing agreement appears, and the captured pages give different statements about the CNIL declaration. 6 7 16 3
The Controller
The contracting entity Moongroup SAS is Paris-registered with French law and Paris courts, the card issuer Paynovate SA is a Belgian e-money institution regulated by the National Bank of Belgium, and Treezor and Paynovate are named with their addresses as the parties behind the payment chain. We found no public information on where expense and employee data are hosted beyond the privacy policy's secure servers, the site host is named as Hubspot of Cambridge, Massachusetts, and no data processing agreement or ISO 27001 or SOC 2 certification is published on the captured pages. 6 7 16 3
The Finance Lead
The contracting entity is French — Moongroup SAS, RCS Paris, under French law and Paris jurisdiction — and the card chain is European: Paynovate SA, a Belgian electronic money institution regulated by the National Bank of Belgium, with agent relationships to the French institution Treezor. The only hosting fact captured names the website host as Hubspot in Cambridge, Massachusetts, and we found no public information on where the expense, card and employee data themselves are hosted, on a published subprocessor list, a data processing agreement, or security certifications. 6 7 3 16
The Tax Adviser
The contracting entity is French — Moongroup SAS, RCS Paris 818 620 783, French governing law and Paris courts — and the card chain is European and regulator-numbered: Paynovate SA as a Belgian e-money institution, Moongroup as ACPR-registered agent 89380 of Treezor in Paris. Where receipt and card data are hosted is not stated, no subprocessor list beyond the issuer chain is published, and no ISO 27001 or SOC 2 appears — the security page names only firewalls, anti-virus and restricted access — while the only host named on the captured pages is the website host in the United States. 6 3 16 7 1
The Skeptic
The contracting entity is Moongroup SAS in Paris and the card chain is European and named to the regulator: Paynovate SA in Belgium for issuance and Treezor in Paris as the other principal, both e-money institutions with registration numbers published. But the only hoster named anywhere is HubSpot in Cambridge, Massachusetts — for the website — while we found no public information on where receipt and employee data are hosted, on a subprocessor list beyond the issuers, on a data processing agreement, or on certifications; the captured legal pages also give different statements on the CNIL declaration and more than one registered address. 3 6 7 14 16
Pricing transparency
not rated — the vendor publishes no price
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How this is scored
Whether a buyer can compute the real annual cost from public pages alone: price per user or per active user, platform or base fee, which modules (travel, reimbursements, DATEV or ERP connectors, extra entities) cost extra, card fees (physical cards, foreign transactions, currency conversion, top-ups), minimum seats and term, and setup.
0 — No public prices at all; every customer is a sales call.
3 — A starting price or a free tier exists, but how cost scales with users, cards or modules is unclear.
5 — Tiers are public with their per-user or base price and main inclusions, but at least one commonly needed piece (extra users, physical cards, foreign-currency fees, ERP connectors) is unpriced or "on request".
8 — Every tier priced publicly with its scaling rule (per user, per active user, per card), card and foreign-transaction fees listed, add-ons priced, minimum term and VAT treatment stated.
10 — Complete price computability: annual cost derivable for a given headcount, card count and module set, with every add-on, setup, support, card and currency fee and the cancellation and data-return terms published.
The Travelling Employee
The three packages — Start (3 seats, no cards), Original (5 seats, one physical and/or virtual card per user, full accounting engine, SSO) and Hub (adds seats per entity, the Advanced Control pack, a PDP connector) — are published with their inclusions, but not a single euro figure appears anywhere: the pricing page steers to requesting a demo and the support pages promise a customized quote. As a buyer I can see the shape of the tiers but cannot compute an annual cost from public pages alone. 5 14 12
The Office Manager
The pricing page names three plans — Start, Original and Hub — and lists what each includes (seats, one physical and/or virtual card per user, accounting engine, SSO), but no price figure appears anywhere; the page says "Request a demo" and the support pages promise "a customized quote tailored to your company's needs". A buyer cannot work out a monthly cost from the public pages. 5 15 12
The Controller
The pricing page names three plans — Start, Original and Hub — with seat counts and card inclusions published, but we found no published price figures of any kind; the route to cost is a demo and a customized quote. Card fees, foreign-currency fees, minimum term and setup sit behind that quote, so an annual cost cannot be computed from public pages alone. 5 12 14
The Finance Lead
Three plans — Start, Original and Hub — are published with their seat counts, cards and feature inclusions, but we found no public information on any price figure for any of them. The vendor's own pages send every buyer to a demo and 'a customized quote tailored to your company's needs', so no annual cost can be derived from public pages alone. 5 15 14
The Tax Adviser
Three packages — Start, Original and Hub — are published with their seats, card entitlements and feature inclusions, so a buyer can see how the offer is segmented. But the captured pages publish no price for any package, card or add-on: the model is "Request a demo" and a customized quote tailored to the company, and we found no public information on card fees, foreign-transaction fees, minimum seats, term or setup. 5 15
The Skeptic
Three packages are published with seats and inclusions — Start with 3 seats and no cards, Original with 5 seats and one physical and/or virtual card per user, Hub adding 5 seats per entity — yet no price figure is published: the pricing page's call to action is 'Request a demo' and the team exists to 'provide you with a customized quote'. A buyer cannot compute a single euro of annual cost from these pages; card fees, currency fees, term and setup are all unpriced. 5 12 15
European sovereignty — proven facts
0 of 6 dimensions provenBuilt only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.
| Legal entity | Not determined ⚠ unverified | — | uncited Report an error |
|---|---|---|---|
| Hosting location | Not determined ⚠ unverified | — | uncited Report an error |
| Hosting options | Not determined | — | uncited Report an error |
| Open source | Not determined | — | uncited Report an error |
| Data processing agreement | Not determined | — | uncited Report an error |
| Transfer impact assessment | Not determined | — | uncited Report an error |
Questions about Mooncard
Is Mooncard European?
Yes. whats-best.ai classifies Mooncard as EU-Made.
Where does Mooncard store data?
Not stated on the vendor’s pages as of 28 Oct 2026.
Does Mooncard have a free plan?
Not stated on the vendor’s pages as of 28 Oct 2026.
What are the best alternatives to Mooncard?
As of 3 Nov 2026, the panel rates Moss (4/5), N2F (3.5/5) and Spendesk (3.5/5) highest among the other 18 Expense Management products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is Moss (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Mooncard alternatives.
Where this could be wrong
- Evidence ages. The oldest capture behind this page is from 28 Oct 2026. Vendors change pricing and policies without notice; every fact reflects its source as of the capture date shown in the registry.
- Weak sourcing — Legal entity, Hosting location. Not confirmed on the vendor’s own pages as captured.
- AI can misread a source. Extraction and judgement are automated; a citation guarantees traceability, not infallibility. If something here is wrong, say so — no account needed, every report is decided within 5 business days, and accepted corrections are published.
What we left out
A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.
- 51 product facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 6 integrations facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 3 pricing facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 legal facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 subprocessors facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 support facts could not be confirmed on the vendor’s page as captured and were left out of this page and of the panel’s material. Know more? Tell us
- 2 sovereignty dimensions could not be confirmed on the vendor’s own pages and are shown as unknown. Know more? Tell us
- 6 of the readings below were written against an earlier fact sheet — a fact has been corrected, added or pulled since. Until the panel next runs on this product you are reading the older judgement. Know more? Tell us
Sources (17)
The pages every claim on this page was read from — each one checked, dated, and kept verifiable.
- 1 Vendor homepage www.mooncard.co Checked 28 Oct 2026 Details →
- 2 Features page (accounting engine) www.mooncard.co Checked 28 Oct 2026 Details →
- 3 Features page (approval workflow) www.mooncard.co Checked 28 Oct 2026 Details →
- 4 Features page (cards) www.mooncard.co Checked 28 Oct 2026 Details →
- 5 Pricing page www.mooncard.co Checked 28 Oct 2026 Details →
- 6 Legal notice www.mooncard.co Checked 28 Oct 2026 Details →
- 7 Privacy policy www.mooncard.co Checked 28 Oct 2026 Details →
- 8 Receipt capture & expense claims — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →
- 9 Receipt capture & expense claims — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →
- 10 Company cards & spend control — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →
- 11 Company cards & spend control — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →
- 12 Approval workflows & expense policy — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →
- 13 Approval workflows & expense policy — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →
- 14 Reimbursement, travel allowances & VAT — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →
- 15 Reimbursement, travel allowances & VAT — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →
- 16 Accounting handoff & DATEV — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →
- 17 Accounting handoff & DATEV — found from sitemap www.mooncard.co Checked 28 Oct 2026 Details →