Corporate Cards without the spend surprises
Flexible card solutions for real businesses. Enable your team to spend within your budgets, limits, and approvals, eliminating unplanned spend and messy month-ends.
Controls and limits you can trust
Create cards with custom spending limits that prevent overspending for subscriptions, projects, one-time expenses and more.
Stop chasing receipts
Automatically fetch receipts, send reminders, and allow instant uploads with a photo—freeing up your finance team to focus on their work, not tracking down spenders.
Automated bookkeeping
Automatically coded transactions, synced directly to your accounting system for a faster, error-free month-end close.
Trusted by finance teams at Europe's leading companies
Pay instantly — anywhere
Add Moss cards to your mobile wallet and start spending in seconds. No delays, no extra steps. Ideal for subscriptions, team projects, or one-time purchases.
- Unlimited virtual cards or physical business credit cards per user
- Apple Pay & Google Wallet for mobile payments
- Worldwide acceptance, online and in-store, with international transactions in 150+ currencies
Card spend controls that you can trust
Choose to specify limits and approval chains for each card, team, merchant and more.
- Real-time overview of all card spend
- Easily approve, assign or deactivate cards
- Configure to your use cases with custom spending limits
No more missing receipts
End the tedious pursuit of receipts. Moss reminds spenders to submit receipts, or automates the collection via Receipt Finder from integrations like Gmail and Outlook.
- App or email submission
- Inbox receipt scanner
- Centralised view for all missing receipts
Close the books on time, every time
Simplify your day-to-day accounting and enter month-end with complete confidence. Moss integrates with your existing accounting software or ERP, ensuring that your spend data is always up-to-date and flawless.
- Automated sync for expense accounts, VAT rates, and more
- OCR and AI-based spend categorisation
- Export all payment and purchase data to your general ledger
Businesses save more with Moss.
Pay as you grow
Our pricing model is unique—just like your business. Design your ideal package: start with a base like Corporate Cards, Employee Reimbursements, or Accounts Payable, enhance with add-ons like Advanced Accounting or ERP integrations, and upgrade to an integrated suite when you're ready.
Best-in-class customer service, mobile app, and all the financial integrations you need to start effectively managing your spend.
Maximise spend efficiency and control with unlimited virtual cards, customisable limits, and automated receipt fetching. Settle your credit balance at the end of each billing cycle.
Make submitting reimbursements quicker and easier through streamlined upload and approval, and employee payouts directly from Moss.
Streamline accounts payable flow with customisable review process, effective supplier and OCR based automation, and one-click payments.
Improve financial oversight through budget tracking, spend insights, and greater flexibility in your approval flows.
Simplify purchasing through real-time budget oversight and efficient handling of purchase requests.
Native integrations to your ERP system, including support for any controlling dimensions that your business uses.
Enhance your pre-accounting experience with AI-based automation, project-specific tracking, or the setting of mandatory fields.
Corporate Credit Cards Frequently Asked Questions
How quickly can cards be issued and used?
Moss cards are issued instantly and can be used immediately through digital wallets, like Apple Pay and Google Pay, or as physical cards.
What kind of spending controls are available?
With Moss business credit cards you can control everything from transaction limits to merchant type restrictions, customising your spending controls to fit your business needs.
How do Moss corporate cards integrate with existing systems?
Moss corporate credit cards integrate seamlessly with major accounting software platforms (including Xero, Quickbooks, DATEV and Exact) and ERP systems, supporting both 2-way data sync and real-time updates.
What types of cards does Moss offer?
Moss provides both physical and virtual corporate credit cards with no annual card fee. You can issue as many virtual cards as you need for any use case.
Where can I use my Moss card?
Anywhere Mastercard is accepted—over 29 million merchants worldwide, both online and in-store.
What is the difference between a corporate credit card and a business credit card?
While these two terms are often used interchangeably, the main difference between corporate credit cards and business credit cards is the size of the businesses they are designed to serve.
Business credit cards are designed for sole traders and smaller companies. In these cases, the business owner is typically personally liable for the credit line through a personal guarantee. Eligibility is usually based on their financial circumstances, including credit history, credit score, and borrowing history. Business credit cards are also more likely to offer membership rewards and perks, such as points and airport lounge access.
Corporate cards are better suited to established businesses, small to medium-sized enterprises, and larger companies with corporate liability. Because the business, rather than an individual, is liable, corporate credit cards can often offer much higher credit limits. Corporate credit cards like Moss are also typically supported by spend management software, which provides additional functionality such as expense management automation, accounts payable automation, procurement workflows, and more.
How could a Moss corporate credit card help my business?
Thousands of businesses across the UK and Europe use Moss corporate cards to pay their business expenses. This includes everything from office supplies to hotel stays and general business trip expenses. Access to credit helps increase cash flow, and easy-to-manage employee cards help streamline employee spending.
How do I apply for a Moss business credit card?
With our quick and easy application process, you can get your business set up with Moss business credit cards. You'll need to submit company documentation and select financial statements as part of our KYC process. Once you've been approved, you can start using Moss corporate credit cards for employee spending, marketing spending, and any other company expenses you need.
What security features do Moss corporate credit cards offer?
Moss corporate cards are protected by a range of security features including Mastercard Identity Check for Strong Customer Authentication, and chip and PIN technology on Moss physical cards.
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Experience modern spend management with Moss.
