Mooncard

Assessment

Mooncard is used by more than 6,000 organizations, including large French companies and almost 500 public bodies. The product combines a Visa company card with configurable limits, a mobile app for receipts, a platform that approves spend, and an accounting engine that generates the entries for the finance system. The company says 97% of receipts are recovered within 24 hours and that closing is four times faster. A newer module receives supplier invoices through the SuperPDP platform under the French e-invoicing reform. Card issuance costs €10 and loading is free, while the platform plans are quoted. Its main competitors are Spendesk, Payhawk, Pleo, and Qonto.

The company was founded in March 2016 by Tristan Leteurtre and Damien Metzger and raised €37 million in 2023, about $41M. Serge Ragozin took over as chief executive in September 2024 from Guillaume Princen, after a career at Accor and five payments companies. Mooncard has more than 120 employees and plans to build local versions in six more European countries, including Germany, Spain, and Italy.

It fits a French-language finance team that wants VAT-aware accounting entries and a card with flexible limits. It is a weaker fit for a company outside Europe or one that needs a multi-currency business account.

Rating by criterion

We score each of the eight criteria out of 100.

Sector criteria

Vendor criteria

Against its peers

These are the other companies in business banking and treasury, with their ratings.

User comments

These buyer-oriented points draw on Mooncard’s home and pricing pages and on its Series C announcement.

• Upside

  “The accounting entries arrive coded with recoverable VAT, so the accountants stopped re-typing expense lines.”

• Upside

  “Limits by profile meant we could take away cash advances for field staff without slowing them down.”

• Downside

  “Plan prices need a quote, and the product is built around French accounting, so teams outside France get less from it.”

Where customer reviews couldn't be found, our analysts attempted to give a voice to buyer sentiment, drawing on real information from review sites, forums and product documentation. We omit sites where vendors pay to be featured or pay for a review, plus any review the site flags as incentivized.

Based on: Mooncard pricing; Mooncard home page; Mooncard Series C announcement.

Fact file

Competitive landscape

Spend management platforms a French or European finance team would compare with Mooncard.

• Mooncard75
• Soldo82
• Payhawk81
• Pleo79
• Moss77
• Spendesk74

Comparisons

• Mooncard vs Spendesk: Features, Coverage and Pricing Compared (2026)

Key leadership

• Serge Ragozin

Serge Ragozin became chief executive of Mooncard in 2024. He spent twenty years at Accor and later launched Moneo Resto, a restaurant card.

How this review was created

This profile gives our own assessment of Mooncard to companies selecting a Business banking & treasury provider. The Fintech Index receives nothing for featuring a firm, for sponsorship, or for advertising, and Mooncard gave us no payment for the profile.

The rating equals the average of eight criteria, with every criterion running from 0 to 100. Four address buyer needs in this sector, and four address the company together with its commercial terms.

Ratings are our editorial judgment, made from public information: pricing and legal pages, product documentation, compliance disclosures, public reviews and filings. Fact-checking took place on November 11, 2026. Figures reported in euros were converted to US dollars at the Federal Reserve H.10 rate of $1.1154 per euro on November 6, 2026.