Trusted by finance teams at Europe's leading companies
Cards with control, clarity, and complete visibility
Create cards in seconds, set flexible limits, collect receipts automatically, and track spend in real time — all with full mobile readiness and accounting built in.
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 or physical cards per user
- Apple Pay & Google Wallet for mobile payments
- Worldwide acceptance, online and in-store
Control spend before it happens
Set flexible limits and approval flows by user, team, or spend type. Prevent overspending with real-time alerts and policies tailored to how your company works.
- Role-based limits and approval rules
- Alerts for unusual or failed spend
- Controls by category, time and more
Receipts submitted on time — without the chase
Moss reminds employees to submit receipts and fetches them automatically from your inbox. Finance always sees what’s missing — and who owes what.
- Auto-fetch from Gmail and Outlook
- Upload via app, email, or browser
- Real-time view of missing or late receipts
Close the books on time, every time
Moss auto-categorises spend, matches receipts, and syncs with your accounting system — so closing the books is faster, more accurate, and always audit-ready.
- OCR and AI-powered categorisation
- Configurable mapping for VAT, expense accounts and more
- Direct sync with Xero and other ERPs
Moss Credit
Corporate cards with a Moss credit line and custom terms.
Moss Debit
Moss debit wallet funded cards with all benefits of a credit card.One Moss card platform. Credit or debit.
The preferred spend management solution for modern SMB finance teams.
“Our go-to for employee payment cards, reimbursements, and any type of employee expense management. Immediate availability of digital payment cards for new employees and fast delivery of physical cards.”
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 cards, customisable limits, and automated receipt fetching.
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.
Capterra
4.8
Experience effective corporate card features with Moss
FAQ
How quickly can cards be issued and used?
Cards are issued instantly and can be used immediately through digital wallets or as physical cards.
What types of cards does Moss offer?
Moss provides both physical and virtual corporate credit cards — issue as many virtual cards as you need for any use case.
What are Moss virtual credit cards?
Moss virtual credit cards are digital-only credit cards that link directly to your Moss account and are ready to use immediately after creation. Once you are approved for our card program, you can generate as many virtual cards as you need.
How can I fund my cards?
Start instantly with Moss by prefunding your Moss wallet (debit model), or apply for a credit line (subject to eligibility). Both options give you the same benefits of Moss cards.
Where can I use my Moss card?
Anywhere Mastercard is accepted — over 29 million merchants worldwide, both online and in-store.
How does the integration work with existing systems?
Moss cards integrate seamlessly with major accounting and ERP systems, supporting both 2-way data sync and real-time updates.
How do employees request and get approval for cards?
Employees request cards directly in Moss. Each request follows your company’s custom approval flows — based on amount, role, or team.