Every pound of retail spend, in one system
Ad platforms, supplier invoices, store and staff card expenses run through Moss and land as accounting-ready data. See spend as it happens, keep control as you scale, and close the month without the receipt chase.
See spend across every channel
Card payments, invoices, subscriptions, reimbursements, and ad spend all sit in one place as they happen. No waiting for the bank feed or a month-end scramble to work out where the money went.
Control at the point of purchase
Every cardholder gets their own card with limits built in, whether that's a store owner covering local costs or someone running a campaign. Approvals happen before the money leaves, not after.
Accounting-ready by default
Receipts are captured, coded, and matched automatically, then synced to your bookkeeping tool, such as Xero, NetSuite and more. Your books stay close-ready all month.
Trusted by finance teams at Europe's leading companies
Stop sharing one card across the team
Issue a virtual or physical card to each buyer, store owner, or campaign lead, with its own limit. Marketing runs the ad accounts on their own cards, store managers cover local costs on theirs, and no one passes round the founder's card again.
- Set per-card limits by amount, merchant, and time
- Freeze, adjust, or issue a card in seconds
- Fund payments from a debit wallet, and settle your credit balance in full at the end of each cycle
Kill the month-end receipt chase
The moment a card is used, the buyer gets a nudge to snap the receipt. Moss reads it, codes it to the right supplier and cost centre, and matches it to the transaction. Your bookkeeper stops chasing, and the receipt tool you bolt on today becomes one less subscription.
- Automatic receipt capture with AI coding
- Cost-centre and project tagging per store or channel
- Replace manual receipt tools
Moss integrates with 50+ finance tools
Pay staff back before payday, not weeks after
Store and field staff shouldn't be out of pocket for travel or supplies. They submit a claim from their phone, it runs through your approval rules, and the payout goes straight from Moss. No spreadsheets, no waiting for the next bank run.
- Mobile submission with photo capture
- Rules-based approvals, cleared with a single click
- Pay employees out directly from Moss
Approve supplier invoices without the four-touch backlog
Supplier invoices arrive by email or upload. Moss extracts the detail, routes them by your rules, and lines them up for payment. Route approvals to head office even when the cost belongs to a specific store or entity, so payment is never held up waiting on the wrong person.
- AI invoice capture and automatic line splits
- Approval flows that map to your entities and stores
- Pay in bulk and in multiple currencies, with multi-user authorisation
Retail businesses save more with Moss.
Start with what you need, add as you scale
Begin with corporate cards, employee reimbursements, or accounts payable, then add advanced accounting, procurement, or ERP integrations when you're ready. A dedicated onboarding manager gets your team live without the daunting switch, so you're not left to work it out alone.
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 ERP integrations or Moss API for custom integrations, with support for your controlling dimensions.
AI Pre-Accounting for accurate spend attribution, project and cost-centre tracking, and full mandatory-field control.
FAQ
How does Moss handle spend across multiple stores or entities?
Each store, brand, or entity gets its own budgets, has flexible approval flows based on your needs and with a clean split for your books. Cards are issued to the individual people who need them, such as a store owner or manager, rather than to the store itself. Head office keeps oversight while local teams move fast.
Can Moss control our ad and subscription spend?
Yes. Give the person who manages each ad account or tool their own card with hard limits set in advance. Every charge shows up as it lands, so runaway ad spend and forgotten subscriptions surface straight away.
Does Moss replace our receipt and expense tools?
For most brands, yes. Moss captures and codes receipts automatically, which usually removes the need for a separate tool.
Which accounting systems does Moss connect to?
Native two-way sync with Xero, Sage, QuickBooks, NetSuite, and others, plus an open API for anything custom. See all integrations here.
Does Moss work for inventory-heavy retailers?
Moss manages the operational spend around your business: cards, expenses, supplier invoices, and approvals. For stock and cost-of-goods workflows, Moss connects to your inventory or ERP system rather than replacing it.
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