Moss. Way bigger benefits for finance teams.

Time saved on accounting
Top-ups, prepaid, or debit
up to 10×
Higher credit card limit
Saved in wasteful spending

”We had old-school bank cards in our business. Moss has helped us completely transform the way we do finances. We get a complete picture of company spend and subscriptions in one place, and are saving days closing our books.“

Lorenz Jüngling
COO, Moonfare

Ahead of the game: ‍Track spend in real-time.

Better overview with all expenses on one dashboard. Waste no time searching for transactions thanks to numerous filter options and easy subscription management.

Full financial transparency

Keep track of all cards, team and employee expenses. Control spend on the go with the Moss mobile app.

Easy subscription management

Vendor-specific subscription cards help spot duplicates and cut wasteful spending.

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Chase business goals, not receipts.

Close your books faster with Moss. Our accounting features were specifically tailored to the requirements of German businesses.

Accelerate your accounting preparation

Upload invoices or forward them directly via email, and Moss will automatically match them with the correct transaction. Paper receipts can be scanned from everywhere with our mobile app. With Moss, you can split transactions and assign cost centers as well as VAT rates.

Less work thanks to DATEV Schnittstelle

Connect Moss to DATEV via the official DATEV Schnittstelle and synchronize all transactions and receipts from Moss with DATEV Unternehmen online. Once set up, your tax advisor has all the necessary documents and accounting data available at any time.

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Set limits and distribute budgets across your team.

Say goodbye to expense reports! With individual Moss cards, the entire company can make purchases, while the finance team stays in full control.

Multi-layer roles

Roles and access rights can be easily assigned and customized, e.g. as admin, user or accountant.

Individual spending limits

Issue or freeze virtual credit cards whenever you need to and set monthly or single-purchase limits.

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The card you can trust for your entire spend.

Our credit cards come with an up to 10x higher credit limit and up to 30-day payment terms. Finally, a corporate credit card that can handle your entire spend.

Spend now, pay later

Pay everything with Moss and settle the bill up to 30 days later. Hassle-free spending – no prepaid, no top-ups necessary.

100% reliable payments

No more declined transactions or blocked accounts. No personal liability of the managing director.

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Your Credit Card Limit

Manage your subscriptions, cut wasteful spending.

Create an individual credit card per recurring payment and manage software subscriptions and online marketing expenses easier than ever before.

One card per subscription

Subscription cards simplify recurring payments, give a better overview and prevent duplicates.

Easy subscription management

Recurring payments such as software subscriptions can be assigned to individual owners to simplify vendor management.

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Get Moss. Book your free demo.

Book your personal demo and experience why Moss is the superior solution for tech companies and startups in Germany.
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Ein grünes Check-Häkchen.

Replace expense reports

Ein grünes Check-Häkchen.

Unlimited credit cards

Ein grünes Check-Häkchen.

Control employee spending

Ein grünes Check-Häkchen.

Automate your accounts

General FAQ

  • What is Moss?

    Moss is the corporate credit card that helps startups and tech companies optimize their finances. With Moss, businesses can create and distribute unlimited physical and virtual credit cards to teams and employees. Finance teams maintain full control by having full visibility into transactions made, pre-approving purchases, and adjusting all cards and limits in real-time. Additionally, all expenses can be documented with receipts and assigned to cost centers. At the end of the month, all data can be transferred to any accounting software via user-defined exports.

  • How do I qualify for Moss?

    To become a Moss customer, your business must, among others, be incorporated in Germany and have raised a minimum of EUR 100,000 in funding from professional investors.

  • Can I connect Moss to my existing bank account?

    Yes, the Moss credit cards and software easily link to your existing bank account.

  • Is Moss a real credit card?

    Yes, Moss cards are corporate credit cards that come with all the benefits of credit cards: Extended payment terms of up to one month at no interest and a wider acceptance compared to prepaid cards. Moss is neither a debit nor a prepaid card.

    The cards are issued by Transact Payments Malta Limited and provided in cooperation with a German partnerbank.

    Startup credit card | Moss
  • Where can I use Moss?

    Moss is part of the Mastercard® network. With one of the largest networks in the world, Mastercard has over 29.4 million online and offline vendors in over 200 countries. Use your Moss card wherever Mastercard is accepted.

Moss Corporate Card Program

  • How does Moss work?

    Moss allows you to provide single users, teams, or departments with physical and virtual credit cards. Admins can set individual limits for each card.

    Finance teams maintain full control by having full visibility into transactions made, pre-approving purchases, and adjusting all cards and limits in real-time. 

    All transactions can be categorized according to your accounting structure including cost centers and VAT rates. Receipts can be uploaded via the web app or digitized via the mobile app.

    With Moss, you can identify trends in spending behavior, track changes from month to month, and identify unnecessary expenses and thus save time and money.

  • What are Moss virtual cards?

    Moss Virtual credit cards are digital credit cards linked to your Moss account. You can start using virtual cards as soon as you are approved. Create as many virtual cards as you need with the ability to change limits, freeze, and terminate cards – all in real time.

    With Moss you can create specific virtual cards for individual merchants, purchases or subscriptions. This not only simplifies the accounting process, but is also more secure. You can set an individual card limit for each merchant or purchase, and if you need to block an individual card, your other virtual cards remain active. 

    Startup credit card | Moss
  • Do I need to wire any money to my Moss account before I can start spending?

    No, the good news is that Moss doesn’t require any prepaid payments or top-ups. Simply sign up, create cards, and start spending. We will settle your outstanding balance by directly debiting your business bank account at the end of each statement period – you can find more information on your dashboard under "Statements".

  • Can receipts and accounting-related info be added to transactions?

    Yes, you and your team members can upload multiple receipts and add information such as cost center and VAT rate to individual transactions, via both your Moss mobile and web app.

  • How does Moss work with my accounting?

    You can replicate your existing accounting structure in the Moss software. Each transaction can be individually assigned to the corresponding account and cost center, and a VAT rate can be applied. With Moss you can create custom exports (e.g. as CSV file), which are specially designed for DATEV.

Moss Security & Credit Card Limit

  • Does Moss offer Fraud Protection?

    Yes. Moss uses state-of-the-art fraud prevention systems to proactively prevent fraudulent transactions and safeguard you against malicious activity. If we suspect fraudulent activity, we may decline a transaction and freeze your card as a security measure. You can easily unblock cards via your Moss software, no phone calls or cumbersome processes required.

  • Why do I need to connect my bank account with Moss?

    In order to provide you with a credit card limit without the need for a personal guarantee, security deposit, business planning reports (‘BWA’) or any other accounting data, we need to connect to your company's bank account(s).

    We work closely with account information service providers. This means your data is treated with the utmost confidentiality and encrypted with the highest security levels – so no one else (not even us) can ever access your login credentials.

  • How does Moss calculate my credit card limit?

    Moss’ proprietary underwriting technology determines your credit card limit based on your equity investment, cash flow and spending patterns. Over time as your situation changes, your limit and payment terms can change. If your business grows, your credit card limit may grow as well.

  • How does Moss handle my data?

    At Moss we take security and data protection very seriously. This is why we handle your personal and financial data according to the European General Data Protection Regulation (GDPR) and Payment Card Industry Data Security Standards (PCI DSS) at all times. We take pride in our bank-grade security infrastructure. Check out our privacy policy.

  • Does Moss support 3DS?

    3DS (also known as ‘Mastercard SecureCode’ and ‘Identity Check’) is a standard which helps to reduce fraud and provide extra security to your online payments. The 3DS authentication is the process by which you identify yourself by sharing secure information that is available only to you, providing an additional layer of security for online transactions and making it harder for fraudsters to gain access to your payment details. 3DS 2.0 is the latest version and provides a much smoother and safer process for you to authenticate your payments.

    Moss cards are enrolled in Mastercard SecureCode (3DS) so that wherever you see the Mastercard SecureCode logo online, your purchase will go through this authentication procedure during checkout. Mastercard will contact Moss during checkout to confirm your identity as the genuine cardholder.

    To authenticate, you will receive a One Time Password (OTP) for each online purchase you make at participating merchants. The OTP will be sent by SMS or by email to the mobile phone or email address which you have registered with Moss. Simply key in the OTP on the authentication page displayed and press the ‘Submit’ button. The OTP will then be verified and the transaction will be approved or declined. The partially masked mobile number and email address will be displayed on the authentication page so that you can check that they are correct. If the mobile number and email address are incorrect, cancel the transaction and either update your information on the portal or contact Customer Support by calling +49 30 31193730.

    If you ever suspect that a fraudulent purchase has been made using your card, contact Customer Support by calling +49 30 31193730 immediately.