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Spendesk vs Moss vs Finway

Complete spend management, connected to DATEV

Spendesk, Moss and Finway all offer ways to connect spend management with DATEV. The right choice depends on your DATEV setup, how much spend you need to manage, how data flows into accounting and how much of your finance workflow you want to bring into one platform.

4.7/5
4.8/5

Which DATEV setup are you?

What DATEV products do I need?

Your tax advisor does the bookkeeping

  • DATEV Unternehmen Online.

  • Spend data and receipts go straight to your Steuerberater, so nobody chases receipts at month end.

  • Included on every plan.

Your in-house team books in DATEV

  • DATEV Rechnungswesen.

  • Your team works with DATEV's own accounts, suppliers and tax codes. Every card payment, invoice and expense lands in DATEV ready to post.

  • Included in Scale and Premium.

Spendesk vs Moss vs Finway

Compare the main differences between DATEV-connected spend management platforms

Moss
Finway
Works with your tax advisor (DATEV Unternehmen Online)
Included on every plan
Included
Export to DATEV UO
Direct connection for in-house teams (DATEV Rechnungswesen)
Not publicly specified
Accounts, suppliers and cost centres come from DATEV
Not publicly specified
Tax codes come from DATEV, with no manual setup
Set up manually
Not publicly specified
Every spend type in one export to DATEV (cards, invoices, expenses, reimbursements, credit notes, bank and FX fees)
Invoices, receipts and reimbursements
Payments matched to invoices and purchases before reaching DATEV
Receipts archived in DATEV for audits
Spendesk vs Moss vs Finway

Clean books start before spend reaches DATEV

The quality of your DATEV books depends on how spend is approved, coded and documented before it's posted.

Moss
Finway
One platform for cards, invoices, procurement, contracts, expenses and budgets
Available today
Modular packages
Focused on invoices and purchasing
Multi-step approval workflows
Included in every plan
Paid add-on
Anomaly and fraud detection
Included in every plan
Check package
Not publicly specified
Connect your spend data to Claude, ChatGPT or Dust
At no extra cost
Check package
Not publicly specified
One overview across entities, with each entity's own approvals and accounting logic
Multi-entity available
Not publicly specified
DATEV-trained experts guide your setup
Named CSM + guided set-up
Not publicly specified
Not publicly specified

A quick walkthrough of Spendesk

See how Spendesk brings company spend together in one connected platform.

Key differences between Spendesk, Moss and Finway

Spendesk, Moss and Finway take different approaches to DATEV connectivity, spend coverage and accounting workflows. The right choice depends on your setup, the level of control you need and how much of your company spend you want to manage in one platform.

  • DATEV connectivity

    Spendesk connects company spend with DATEV and supports different DATEV setups for companies working with external tax advisors or in-house accounting teams.

  • More complete spend coverage

    Spendesk supports cards, invoices, expenses, reimbursements and additional transaction types within one connected spend management platform.

  • Accounting workflow

    Spendesk keeps DATEV as the accounting system while helping finance teams prepare and connect spend data to their accounting workflow.

  • More than a DATEV integration

    Spendesk combines company spend management with native integrations, Open API and AI tools, giving finance teams more than a single accounting connection.

Information is based on publicly available Spendesk, Moss and Finway product features as of September 2026.

I can't imagine functioning as a company without Spendesk. We couldn't ask for a better expense management system. We are benefiting from seamless expense reimbursement, purchases and purchase orders, budget tracking and the ability to pay in multiple currencies.

Control spend before it happens

Hands-on implementation support, dedicated customer success, and a team that helps you launch fast and scale smoothly. We've onboarded thousands of European finance teams in weeks, not months, and we know how to adapt to any kind of complexity.

100%

Visibility on all purchase requests, from submission to approval

80%

Less back and forth with automated workflows and approvals

50%

Faster procurement cycles from vendor onboarding to payment

One solution for all business expenses

We've combined smart payment methods with even smarter software, to manage all expenses in one place.

  • Approval and policies

  • Team budgets

  • Invoice payment

  • Expense tracking

  • Virtual & physical cards

  • Spending reports

  • Pre-accounting automation

Make a seamless transition

Switching spend management platforms shouldn't hold you back. We're here to make the move simple, fast, and painless.

Dedicated onboarding and implementation support

Your dedicated Onboarding Manager works with you to define your timeline and guides you through every step, from initial setup to go-live. Typical onboarding takes 1 to 3 weeks, depending on your requirements.

Multilingual, in-house support team

Get help from our multilingual, in-house experts via live chat and email. With a median response time of 5 minutes, instant support is always just a message away.

Built for German finance teams

Spendesk has been built for European finance teams since 2016: as a profitable French unicorn and ACPR-licensed Payment Institution operating across all 30 EEA countries. More than 5,000 European companies rely on Spendesk to manage their spend, with €10 billion processed across France, Germany, the UK, Spain and beyond.

From France's e-invoicing mandate to the UK's Making Tax Digital, Spendesk is designed to meet the compliance, VAT, and accounting requirements of each market it operates in. ISO 27001:2022 certified, DORA compliant, and a certified Peppol Access Point, with native integrations for DATEV, Xero, Sage 100, NetSuite, Exact Online and more.

Even more reasons you’ll love Spendesk

Don't just track cards. Control complete spend, with a platform built for finance teams, not just card users.

  • Stop chasing receipts

    Play By The Rules automates receipt collection with 98% capture rates. No more manual follow-ups or missing documentation at month-end.

  • Drive efficiency

    Spendesk uses AI to predict cost centres, expense categories and analytical fields automatically. With Spendesk AI Connect, finance teams can query their spend data directly from their AI assistant — from approval to reconciliation.

  • Complete spend visibility

    See all current and upcoming spend across every entity and department in real time, with dedicated multi-entity dashboards.

  • Budget ownership

    Give teams budgets they can own while finance oversees everything, with automatic tracking and intelligent guardrails that prevent overspend.

  • Reimburse travel

    Reimburse employees directly through Spendesk, with full visibility and compliance built in.

  • Office management

    Capture regular and one-off purchases with smart controls that keep office spend within budget.

Clearer approval workflows and stronger policy controls

Spendesk is typically the stronger fit once spend is spread across three or more departments or budget owners. Its multi-step approval workflows mean spend can be reviewed and signed off at two or more levels before it is committed, replacing the reactive clean-up that single-approval tools require.

Spend policy that enforces itself

Set rules once and Spendesk enforces them automatically — blocking out-of-policy spend before it happens, not after.

Multi-entity operations across Europe

Spendesk handles multi-entity operations across currencies and countries in one centralised platform — with consolidated reporting and entity-level spend controls, no manual reconciliation required.

A complete spend operating model

Spendesk covers cards, expenses, approvals and procurement in one platform — replacing reactive clean-up with proactive spend oversight, across every team and entity.

See how effortless spend control can be

Real-time tracking, automated alerts, and built-in controls that keep spending on budget without slowing teams down.