Moss Debit: Corporate cards with direct settlement

This may come as a surprise, but no. Moss Debit is a real Mastercard corporate credit card. Based on your needs, every payment within this limit will be deducted immediately. Just to be clear: The corporate credit cards of Moss Debit are not treated as debit cards or prepaid cards in payment transactions, but offer the full acceptance of a credit card.

Some debit cards are not eligible for payments in foreign countries. In this regard, German banks connect their debit cards offerings to the card systems of international financial service providers to avoid card holders needing a second card for international payments. Often, the offerings of choice are Mastercard's Maestro and V-Pay by VISA. With these systems, card holders can use their debit cards to conduct international payments or withdraw cash in foreign countries. However, these cards usually don't allow for online payments.

The main difference between Moss Debit and traditional credit cards is how you settle your payments. With traditional credit cards, the credit card balance is deducted periodically from the card holder's bank account, e.g. at the end of the month. Moss Debit however, relies on direct settlement and reduces your available funds balance immediately after a payment is made. The limit depends on the available balance. For traditional credit cards, the credit card limit is determined according to the creditworthiness of the card holder. Acceptance of Moss Debit however, does not differ from the acceptance of traditional credit cards.

No. Our credit cards cannot be used at ATMs.

Similar to prepaid cards, Moss Debit credit cards are not directly connected to a bank account of the card holder. The available balance is placed in an electronic wallet, the so-called "E-wallet". This way, both card types do not grant a credit to the card holder, but rely on immediate settlement, based on the available balance. However, acceptance of Moss Debit corporate credit cards is significantly higher, as they are treated as full-fledged credit cards when making a payment.

Moss Debit is a real credit card with world-wide acceptance. In contrast to many other debit cards or prepaid cards, Moss credit cards are accepted all over the world and can be used for any international payment (e.g. on business trips or when paying foreign suppliers etc.)

With Moss Debit, payments are settled exclusively via the available balance on the settlement account. Card holders can not overdraw this balance. This way, companies can start quickly without prior risk assessment and are not confined to a determined credit card limit. Still, they profit from all benefits that Moss credit cards provide.

You can load funds made available for spending via Moss cards by making a credit transfer from a bank account held in the name of your business, which was previously registered with Moss during your application or via the Moss Support Team.

No. You can load any desired amount on your Moss settlement account. You can view your balance and transactions in real-time in your Moss account and increase your balance when required

We will not charge any fees on any transfers of your funds (incl. on the transfer of any funds back to your own bank account). However, we have no control over any fees charged by your bank.

Virtual credit cards have numerous advantages. First, they can be created in any number in Moss with just a few clicks. Second: Virtual cards can be flexibly adjusted, deactivated or re-budgeted in Moss at any time. Third, virtual cards increase security for online payments. For example, in addition to virtual cards for general purposes, cards can be created for recurring payments at specific merchants. It is also possible to create cards for a one-time event.

As a Moss cardholder, you get access to the entire Mastercard network. With over 29.4 million online and offline merchants in more than 200 countries, Mastercard has one of the largest card networks in the world. Wherever Mastercard is accepted, Moss is accepted too.

No, Moss connects to existing business accounts and the Moss credit account can easily be topped up as needed.

Moss customers with high transaction volumes get the option of cashback. Cashback is available for both virtual and physical credit card payments.