Moss Credit and Moss Debit are universally accepted by merchants all over the world. They differ from each other in the payment terms you receive.
If you apply and qualify for Moss Credit, you can benefit from limits of up to £1,000,000, which you can use to make card payments as soon as we have completed our credit assessment and your Moss account is opened.
As a Moss Debit customer you benefit from the same powerful card features and controls as Moss Credit customers. However, you control your available balance by depositing funds in your Moss Wallet and can start using your cards without a credit assessment as soon your account is opened and your funds arrive. Using faster payments, funds transferred from your bank account are available to spend with your Moss Debit cards immediately.
Your Moss Wallet is an e-money account provided to you by PayrNet Ltd., an electronic money institute (EMI) authorized and regulated by the Financial Conduct Authority to provide payment services in the United Kingdom. Any funds on your Moss Wallet are securely held with Barclays Bank and safeguarded for your maximum protection.