Mooncard
Corporate payment cards with automated expense management and accounting
About Mooncard
Mooncard is a French spend management platform that pairs Visa corporate cards (physical and virtual) with expense management software, an accounting automation engine, and e-invoicing. Employees pay with a configurable card, snap the receipt in the mobile app, and Mooncard generates the accounting entries for export to the company's ERP. It targets French SMEs, mid-market groups, franchises, and public entities, and also offers a fuel card for vehicle fleets.
Pros & Cons
Pros
- Combines corporate cards, expense reports, and accounting export in one product, which removes most manual data entry
- Granular card controls (limits, hours, merchant types, expense categories) stop non-compliant spend before it happens
- Native connectors to French and international accounting systems such as Sage, Cegid, SAP, and Microsoft Dynamics
- Fuel card accepted at every station in France and Europe covers fleet spending in the same platform
- Built for French compliance needs, including VAT recovery, evidential archiving, and the e-invoicing reform
- Reviewers on Capterra rate it highly for ease of use and a simple interface
Cons
- No public prices; you have to book a demo to get a quote
- Focused on the French market, so it fits less well for companies operating mainly outside France
- Several features (custom approval circuits, mileage allowances, duplicate detection) are paid options on top of the plans
- Few reviews on international review sites, and reviewers note delays between bank debits and the Mooncard balance
Key Features
Configurable Visa corporate cards
Physical Visa cards plus recurring or single-use virtual cards, with Apple Pay and Google Pay support and 3D Secure.
Card usage rules
Set spending limits per employee, purchase, or period, and restrict cards by hours, days, merchant type, or expense category, with reusable card templates.
Receipt capture with OCR
SMS and push notifications prompt employees to photograph receipts in the mobile app, and OCR extracts the expense details automatically.
Accounting automation engine
Generates accounting entries with custom expense natures, VAT codes, and export templates, plus automated bank reconciliation and evidential archiving.
Approval workflows
Generic and custom approval circuits, automatic approval rules, and user roles for accountants, managers, admins, and employees.
Expense report management
Handles out-of-pocket expenses, mileage allowance calculation, duplicate detection, per-category caps, and automatic card blocking when receipts are missing.
Fleet and fuel card (Mooncard Mobility)
A fuel card accepted at all stations in France and Europe, with vehicle assignment per card, per-vehicle spend analysis, and VAT recovery.
Multi-entity reporting
The Hub plan consolidates budgets and spend reporting across subsidiaries and entities.
E-invoicing
Receives supplier invoices through an approved platform (via SuperPDP) for France's e-invoicing reform.
ERP integrations and open API
Native connectors for Sage, Cegid, SAP, Microsoft Dynamics, Exact Online, and Agicap, plus an open API for data flows.
Pricing
- 5 seats
- 1 physical and/or 1 virtual card per user
- Expense management software
- OCR receipt capture
- Full accounting engine
- SSO
- Everything in Original
- 5 seats per entity
- Multi-entity management and reporting
- Preferential pricing for additional entities
- Dedicated account manager and dedicated onboarding session
Best For
Eliminating employee expense advances
Give staff configurable company cards so they no longer pay out of pocket and wait for reimbursement.
Faster month-end close
Finance teams receive receipts and pre-coded accounting entries in real time and export them to the ERP without re-keying.
Fleet and fuel spend control
Construction and field-service companies assign fuel cards to vehicles and track spend and VAT recovery per vehicle.
Multi-entity groups and franchises
Groups consolidate spend and budgets across subsidiaries from one Hub account.
Public entities and associations
Public bodies and nonprofits use controlled cards and approval circuits to account for every purchase.
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