# Mooncard — Expense Management

Mooncard by Moongroup SAS holds a panel rating of 2.5/5 from 6 AI judges (category median 3/5), as of 2026-10-29. Provenance: EU-Made; sovereignty: not determined.

- Vendor: Moongroup SAS (https://www.mooncard.co/en/)
- Category: [Expense Management](https://whats-best.ai/software/expense-management.md)
- Provenance (editorial classification): EU-Made
- Canonical page: https://whats-best.ai/software/expense-management/mooncard
- Alternatives: https://whats-best.ai/software/expense-management/mooncard/alternatives ([markdown](https://whats-best.ai/software/expense-management/mooncard/alternatives.md))
- Data as of: 2026-11-04 · evaluated 2026-10-29 · oldest source captured 2026-10-28

**AI-generated.** Every score, rationale and verdict here is written by a panel of AI judges from public evidence — an analysis, not a hands-on test. Every fact quotes the vendor page it was read from. No score can be bought. How scores are made: https://whats-best.ai/methodology

## 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

## 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.

## Scores by judge and criterion

Scores out of 5, each judge scoring independently against the published rubric (v1). "n/r" = not rated: the vendor publishes no price, or the judge found no public information on that criterion.

| Criterion | The Travelling Employee | The Office Manager | The Controller | The Finance Lead | The Tax Adviser | The Skeptic |
| --- | --- | --- | --- | --- | --- | --- |
| Receipt capture & expense claims | 2.5/5 | 2/5 | 2.5/5 | 2.5/5 | 3/5 | 2/5 |
| Company cards & spend control | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 | 3.5/5 |
| Approval workflows & expense policy | 2.5/5 | 2/5 | 2/5 | 2/5 | 2.5/5 | 2/5 |
| Reimbursement, travel allowances & VAT | 2/5 | 2/5 | 1.5/5 | 1.5/5 | 2/5 | 2/5 |
| Accounting handoff & DATEV | 2.5/5 | 2.5/5 | 2.5/5 | 2.5/5 | 2.5/5 | 2.5/5 |
| European sovereignty | 2.5/5 | 2/5 | 2.5/5 | 2/5 | 2/5 | 2/5 |
| Pricing transparency | n/r | n/r | n/r | n/r | n/r | n/r |
| **Weighted verdict** | **2.5/5** | **2.5/5** | **2.5/5** | **2.5/5** | **2.5/5** | **2.5/5** |

### The judges

- **The Travelling Employee** (v1.0): A sales engineer on the road three days a week, with hotel bills in three currencies and a glovebox full of parking tickets. Wants to photograph a receipt and be done, mileage and per diems worked out without a spreadsheet, a company card so private money is never spent, and the money back on the account within days rather than at the end of the quarter.
- **The Office Manager** (v1.0): Runs the office of a thirty-person agency and is the one who chases missing receipts every month. Wants a card for each project lead with a limit she sets, software subscriptions on their own virtual cards, receipts that arrive without reminders, an export the tax adviser accepts, and a monthly price she can work out before the trial ends.
- **The Controller** (v1.0): Owns the travel and expense policy of a manufacturer with four legal entities and twelve hundred staff. Wants approval chains by cost centre and amount, limits checked before a claim is submitted rather than after it is paid, duplicates and private spending caught, budgets that cards draw from, and an audit trail that shows who approved and changed what.
- **The Finance Lead** (v1.0): Closes the month for a hundred-and-fifty-person Mittelstand company and books card spend from three banks. Wants card statements that reconcile by themselves, booking proposals with account, tax key and cost centre, receipts that reach DATEV with the booking, reimbursements paid in one SEPA run, and nothing that has to be retyped.
- **The Tax Adviser** (v1.0): A Steuerberaterin whose clients send their expenses from five different tools. Wants per diems and mileage at the statutory rates, the input VAT read from a receipt that actually qualifies for the deduction, substitute receipts only where the law allows them, scanned originals archived GoBD-compliant, and bookings that arrive in DATEV with the receipt image attached.
- **The Skeptic** (v1.0): Has seen "no more expense reports" turn into a card programme with a currency fee on every hotel abroad and a per-user price that counts everyone who ever logged in. Reads "DATEV integration" that means a CSV, "AI receipt scanning" with no word on where the receipts are read, card terms that leave the issuer unnamed, and subprocessor lists that stop at the hosting provider — and asks what leaving would cost.

## European sovereignty — proven facts

Built only from facts on the vendor's own pages; a dimension we could not prove is left open, never scored as zero. Headline: not determined.

| Dimension | Finding | Points | Source |
|---|---|---|---|
| Legal entity | Not determined | — | — |
| Hosting location | Not determined | — | — |
| Hosting options | Not determined | — | — |
| Open source | Not determined | — | — |
| Data processing agreement | Not determined | — | — |
| Transfer impact assessment | Not determined | — | — |

## Key facts

Each fact is the vendor's own statement, cited to the source page it was read from ([S*n*] → Sources).

**Compliance**
- Acpr agent registration: yes · 89380 [S16]
- Acpr registration: www.regafi.fr · Treezor (CIB 16798) · 89380 [S1]
- Data security: firewalls · anti-virus · restricted access [S7]
- Issuer registration: BE0506 763 929 · yes [S1]
- Issuer registration: National Bank of Belgium · all European countries · BE0506 763 929 [S3]

**Hosting**
- Address: 4 Jules Lefebvre Street, 75009 Paris, France [S5]
- Address: Paris · 4 Jules Lefebvre Street · France · 75009 [S9]
- Card issuer: Paynovate SA · Visa [S1]
- Card issuer: Paynovate SA · Visa · National Bank of Belgium [S2]
- Card issuer: Paynovate SA · Visa International Incorporated [S3]
- Card issuer: Paynovate SA · Visa [S4]
- Card issuer: Paynovate SA · Visa International Incorporated [S11]
- Card issuer: Paynovate SA · Visa · all European countries · National Bank of Belgium [S12]
- Card issuer: Paynovate [S16]
- Issuer: Paynovate SA · Visa · all European countries · National Bank of Belgium [S8]
- Issuer: Paynovate SA · Visa International Incorporated · National Bank of Belgium [S14]
- Moongroup address: 4 Jules Lefebvre Street, 75009 Paris, France [S12]
- Office address: 4 Jules Lefebvre Street, 75009 Paris, France [S13]
- Provider: 25 First Street, 2nd Floor, Cambridge, MA 02141, Etats-Unis · Hubspot [S6]

**Integrations**
- Accounting software: Bespoke accounting engine integrates into accounting software; accountant receives accounting entries with no data entry [S12]
- Agicap: yes [S16]
- Agicap: Agicap · yes [S17]
- API: yes [S10]
- API: yes [S11]
- API: yes [S13]
- API: yes [S15]
- API: yes [S14]
- API docs: yes [S3]
- API link: yes [S4]
- API page: yes [S7]
- API page: yes [S8]
- Cegid: yes [S16]
- Cegid: CEGID · yes [S17]
- Chorus: yes [S16]
- Chorus pro: Chorus Pro · yes [S17]
- Ciel: yes [S16]
- Custom integration: custom development and tailor-made integration [S16]
- Divalto: yes [S16]
- Ebp: yes [S16]
- Exact online: yes [S16]
- Gac: yes [S16]
- Gac technology: GAC Technology (GAC Car Fleet) · yes [S17]
- Ibiza software: yes [S16]
- Microsoft dynamics: yes [S16]
- Mobile apps: yes · yes [S11]
- Native connectors: yes [S16]
- Public API: public API [S16]
- Quadratus: yes [S16]
- Sage: yes [S16]
- Sap: yes [S16]
- Sap: SAP · yes [S17]
- Surface: yes · yes · yes [S1]

**Legal**
- Acpr full registration: 89380 · FR65818620783 [S6]
- Acpr registration: Treezor · 89380 · 16798 [S2]
- Acpr registration: Treezor · 89380 · 16798 [S4]
- Acpr registration: agent de services de paiement de Treezor · Registre des agents financiers (www.regafi.fr) · 89380 · 16798 [S6]
- Acpr registration: Treezor · regafi.fr · 89380 · 16798 [S8]
- Acpr registration: Treezor · 89380 · 16798 [S5]
- Acpr registration: 89380 · 16798 · Treezor [S10]
- Acpr registration: Treezor · 89380 · 16798 [S12]
- Acpr registration: payment services agent of Treezor · 89380 · ACPR · 16798 [S13]
- Acpr registration: Treezor · 89380 · 16798 [S15]
- Acpr registration: Treezor · ACPR · 16798 · 89380 [S14]
- Acpr registration: 89380 [S17]
- Address: 4 Jules Lefebvre Street, 75009 Paris, France [S1]
- Address: 4 Jules Lefebvre Street, 75009 Paris, France [S3]
- Address paris: 4 Jules Lefebvre Street, 75009 Paris, France [S11]
- Agent: Moongroup SAS is Paynovate SA's payment services agent [S1]
- Agent: Moongroup SAS [S5]
- Agent registration: 89380 · Treezor · ACPR · 16798 [S3]
- Agent relationship: Moongroup SAS · Paynovate SA [S4]
- Agent relationship: Moongroup SAS · Paynovate SA [S10]
- Agent role: payment services agent of Paynovate SA [S3]
- Card issuer: Paynovate SA · Visa International Incorporated [S9]
- Card issuer: Paynovate SA · Visa · National Bank of Belgium [S10]
- Card issuer: Paynovate SA · Visa International Incorporated [S13]
- Card issuer: Paynovate SA · Visa · Banque Nationale de Belgique [S17]
- Cnil declaration: yes [S6]
- Cnil discrepancy: Le site n'est pas déclaré à la CNIL car il ne recueille pas d'informations personnelles. [S6]
- Data controller entity: 18 rue de Londres, 75009 Paris · 818 620 783 [S7]
- Entity: RCS Paris 818 620 783 · Moongroup SAS · 68 rue du Faubourg Saint-Honoré 75008 Paris · 285411.7 [S6]
- Footer address: 4 rue Jules Lefebvre, 75009 Paris, France [S6]
- Governing law: droit français · tribunaux compétents de Paris [S6]
- Issuer: Paynovate SA · Visa International Incorporated · National Bank of Belgium [S5]
- Issuer company number: Paynovate SA · BE0506 763 929 [S4]
- Issuer company number: Paynovate SA · BE0506 763 929 [S13]
- Issuer registration: Paynovate SA · all European countries · National Bank of Belgium [S4]
- Issuer registration: Paynovate SA · all European countries · National Bank of Belgium [S13]
- Issuer registration: BE0506 763 929 [S17]
- Issuing entity: Paynovate SA · Visa International Incorporated [S15]
- Moongroup: Paris 818 620 783 · 285411.7 · 68 rue du Faubourg Saint-Honoré 75008 Paris [S8]
- Moongroup acpr: payment services agent of Treezor · 89380 · 16798 [S11]
- Moongroup address: 4 Jules Lefebvre Street, 75009 Paris, France [S14]
- Moongroup agent: payment services agent · Moongroup SAS · Paynovate SA [S9]
- Moongroup details: Paris 818 620 783 · Moongroup SAS · 285411.7 · 68 rue du Faubourg Saint-Honoré 75008 Paris [S12]
- Moongroup details: Paris 818 620 783 · 285411.7 · 68 rue du Faubourg Saint-Honoré 75008 Paris · Moongroup SAS [S14]

**Pricing**
- Demo free: yes [S12]

**Product**
- Accounting automation: accounting automation platform [S1]
- Accounting workflows: Configurable accounting workflows [S2]
- Approval workflow: fuel · parking · tolls · car washes [S11]
- Atm withdrawals: yes [S5]
- Authorization management: Customized approval process with merchant-category limits [S2]
- Automatic expense recording: yes [S4]
- Automatic expense recording: yes [S11]
- Card authorization parameters: spend limits, days and hours of use, authorizations by type of expenditure, manager alerts · 60 · online and in real-time [S12]
- Card blocking: yes [S4]
- Card issuer: Paynovate · VISA Corporate [S6]
- Card physical: yes [S8]
- Card security: yes · yes [S5]
- Card settings: customizable card limits and settings [S1]
- Card spend limits: periodic payment limit per employee/agent, one-off expense amount and authorization deadline [S10]
- Card templates: yes [S5]
- Card virtual: yes [S8]
- Claims: 97% · 100% · 38 · 4x [S1]
- Core value: Platform and card replacing manual expense management, from payment through account closure [S1]
- Covered expenses: Payment card covers mileage, supplies, customer meals, subscriptions, online or in person [S12]
- Customer count: 6000 [S2]
- Customer count: 6000 [S3]
- Customer count: 6000 [S8]
- Customer count: 6000 · more than [S10]
- Customer count: 6000 [S11]
- Digital archive: yes [S12]
- Expense claim mobile: Mobile apps ease filing expense claims (generic statement) [S13]
- Expense reports: yes · centralized expense reports without paper receipts or Excel [S9]
- Hub plan: "Advanced Control" Pack · PDP Connector · SSO (Single Sign-On) · 5 [S5]
- Mobile app: mobile application for expense reports [S1]
- Mobile app: Google Play Store · Apple Store [S12]
- Mobile app: Google Play Store · Apple Store [S13]
- No public prices: Request a demo · no [S5]
- Original plan: 5 · Full accounting engine · SSO (Single Sign-On) · 1 Physical and/or Virtual card per user [S5]
- Payment card: dedicated payment card [S1]
- Payment limits: yes · yes [S11]
- Payment methods: Apple Pay · Google Pay · Recurring or single-use virtual cards · Physical VISA cards [S5]
- Per diem definition: Per diem is a fixed daily allowance to cover or reimburse business expenses [S15]
- Per diem tax treatment: Per diem business expenses are exempt from HMRC taxes and National Insurance [S15]
- Physical card: physical customizable card · yes [S2]
- Physical card customizable: physical customizable corporate card [S4]
- Plans: Start · Original · Hub [S5]
- Platforms: yes · yes [S8]
- Receipt capture: yes · automatic receipt capture on card transaction [S9]
- Receipt capture: Mooncard app lets employees photograph receipts, which are forwarded to finance [S15]

**Subprocessors**
- Paynovate: Paynovate · distributor of Paynovate (electronic money institution) [S16]
- Treezor: Treezor · external processing/subcontractor [S7]
- Treezor: Treezor · agent of Treezor (electronic money institution) [S16]

**Support**
- Availability: 9-18 · CET · Mon · Tue · Wed · Thu · Fri [S2]
- Availability: Mon-Fri 9-18 CET [S7]
- Availability: lundi au vendredi 9h-18h [S6]
- Availability: Monday to Friday · 9 a.m. to 6 p.m. CET [S12]
- Availability: Monday to Friday 9 a.m. to 6 p.m. CET [S13]
- Availability: Monday to Friday · 9 a.m. to 6 p.m. CET [S15]
- Demo offer: obligation-free demo available [S13]
- Hours: Monday to Friday · 9 a.m. to 6 p.m. CET · demo/quote requests [S3]
- Hours: Monday to Friday · 9 a.m. to 6 p.m. [S4]
- Hours: Monday to Friday · 9 a.m. to 6 p.m. CET · demo and customized quote [S8]
- Hours: Monday to Friday · 9 a.m. to 6 p.m. CET [S5]
- Hours: 6 p.m. · Monday to Friday · 9 a.m. · CET [S9]
- Hours: Monday to Friday · 9 a.m. to 6 p.m. CET [S10]
- Hours: Monday to Friday · 9 a.m. to 6 p.m. CET [S11]
- Hours: Monday to Friday · 9 a.m. to 7 p.m. [S16]
- Hours: Monday to Friday · 9 a.m. to 6 p.m. CET · solution presentation and customized quotes [S17]

60 more facts on the canonical page: https://whats-best.ai/software/expense-management/mooncard

## Questions

### 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)](https://whats-best.ai/software/expense-management/moss), [N2F (3.5/5)](https://whats-best.ai/software/expense-management/n2f) and [Spendesk (3.5/5)](https://whats-best.ai/software/expense-management/spendesk) 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](https://whats-best.ai/software/expense-management/moss) (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: [how scores are made](https://whats-best.ai/methodology#ordering). The full list, with European products first: [Mooncard alternatives](https://whats-best.ai/software/expense-management/mooncard/alternatives).

## What this page leaves out

- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 2 sovereignty dimensions could not be confirmed on the vendor’s own pages and are shown as unknown.
- 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.

## Sources

- [S1] Vendor homepage: https://www.mooncard.co/en/ (checked 2026-10-28)
- [S2] Features page (accounting engine): https://www.mooncard.co/en/features/accounting-engine (checked 2026-10-28)
- [S3] Features page (approval workflow): https://www.mooncard.co/en/features/approval-workflow (checked 2026-10-28)
- [S4] Features page (cards): https://www.mooncard.co/en/features/physical-cards (checked 2026-10-28)
- [S5] Pricing page: https://www.mooncard.co/en/prices (checked 2026-10-28)
- [S6] Legal notice: https://www.mooncard.co/fr/mentions-legales-conditions-utilisation (checked 2026-10-28)
- [S7] Privacy policy: https://www.mooncard.co/en/privacy-policy (checked 2026-10-28)
- [S8] Receipt capture & expense claims — found from sitemap: https://www.mooncard.co/en/mobile-application (checked 2026-10-28)
- [S9] Receipt capture & expense claims — found from sitemap: https://www.mooncard.co/en/use-case/expense/create-an-expense-report (checked 2026-10-28)
- [S10] Company cards & spend control — found from sitemap: https://www.mooncard.co/en/features/card-configurations (checked 2026-10-28)
- [S11] Company cards & spend control — found from sitemap: https://www.mooncard.co/en/solutions/virtual-card (checked 2026-10-28)
- [S12] Approval workflows & expense policy — found from sitemap: https://www.mooncard.co/en/use-case/expense/policy (checked 2026-10-28)
- [S13] Approval workflows & expense policy — found from sitemap: https://www.mooncard.co/en/use-case/business-travel/travel-policy (checked 2026-10-28)
- [S14] Reimbursement, travel allowances & VAT — found from sitemap: https://www.mooncard.co/en/use-case/vat/reclaim (checked 2026-10-28)
- [S15] Reimbursement, travel allowances & VAT — found from sitemap: https://www.mooncard.co/en/use-case/expense/template/per-diem (checked 2026-10-28)
- [S16] Accounting handoff & DATEV — found from sitemap: https://www.mooncard.co/en/integration (checked 2026-10-28)
- [S17] Accounting handoff & DATEV — found from sitemap: https://www.mooncard.co/en/partners/accounting/sage (checked 2026-10-28)

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Cite as: whats-best.ai, "Mooncard — Expense Management", AI panel analysis, as of 2026-11-04. https://whats-best.ai/software/expense-management/mooncard

Corrections: https://whats-best.ai/correct/1078?target=page