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Moss is the corporate credit card for transparent finance. We enable start-ups and digital companies to create and issue unlimited physical and virtual credit cards to teams and employees. In doing so, finance teams retain full control by being able to pre-approve expenses, create transparency on transactions made and adjust all cards and limits in real time. In addition, receipts and cost centres can be assigned to all expenses. At the end of the month, all data can be transferred to any accounting software via customised exports.

In principle, any company can become a Moss customer. Depending on where you are located, you can benefit from Moss Debit or Moss Credit or both. Just book a demo with us and get more information about your individual case.

As a Moss cardholder, you get access to the entire Mastercard network. With over 29.4 million online and offline merchants in more than 200 countries, Mastercard has one of the largest card networks in the world. Wherever Mastercard is accepted, Moss is accepted too.

Yes, under both Moss Credit and Moss Debit you will receive genuine Mastercard credit cards with the highest payment acceptance. Moss cards are neither debit nor prepaid cards.

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

Yes, the Moss credit cards and software can be easily linked to your existing bank account.

No. Our credit cards cannot be used at ATMs.

With Moss, you can provide physical and virtual credit cards to individuals, teams or departments. You can set an individual card limit for each credit card.

The finance team maintains full control by pre-approving expenses and providing visibility of every transaction made. All cards and limits can be adjusted in real time from your dashboard at any time. All transactions can be categorised according to your company's accounting structure with just a few clicks, including cost centre and VAT rate. Receipts can be uploaded via the web app or digitised via the mobile app. With Moss, you can spot trends in spending patterns, track changes from month to month and identify unnecessary expenses to save time and money.

Moss Virtual Credit Cards are digital-only credit cards that are ready to use and linked directly to your Moss account once created. Immediately after confirming your acceptance into our card programme, you can create virtual cards - as many as you need. You can change limits, freeze and deactivate cards at any time - 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 because each virtual card has a unique 16-digit number. You can set an individual card limit per merchant or purchase and if you need to block a card number, your other virtual cards remain active.

Yes, Moss Debit includes a credit account where you deposit money to get started right away. Just sign up, make a deposit and create unlimited virtual credit cards and start using them right away.

Moss Debit is a corporate card with direct debit. Businesses set their own limits and get started without any risk assessment at all. The credit account can be topped up flexibly and the balance adjusted as required. With Moss Credit, which is already available in some markets such as Germany, the UK and the Netherlands, companies increase their liquidity. Moss Credit provides SMBs with high limit of up to 749,000 € and payment terms of up to 60 days. High expenditures can therefore be pre-financed conveniently.

You can map your existing accounting structure in the Moss software. Each transaction can be individually assigned to the corresponding cost centre and assigned a VAT rate. With Moss you can make user-defined exports (e.g. as a CSV file) for almost all accounting software.

Yes, the Moss web and mobile app allows you and your team to upload receipts and add other information such as cost centre and VAT rate to individual transactions.

Moss customers with high transaction volumes get the option of cashback. Cashback is available for both virtual and physical credit card payments.

Moss uses the latest fraud prevention systems to proactively prevent fraudulent transactions and protect against malicious activity. If we suspect fraudulent activity, we can decline a transaction and freeze your card as a security measure. You can easily unblock your card at any time via your Moss portal - no phone calls or cumbersome processes required.

No, you can simply connect your existing corporate bank account to Moss and get started.

Our proprietary underwriting technology determines your credit card limit based on your funding, cash flow, bank balance and spending habits. As your business grows, so can your limit over time.

At Moss, we take security and privacy very seriously. That's why we treat your personal and financial data in accordance with the General Data Protection Regulation (GDPR) and the Payment Card Industry Data Security Standards (PCI DSS) at all times. We pride ourselves on our state-of-the-art, bank-grade security structure. Find out more in our privacy policy.

3DS (also known as 'Mastercard SecureCode' and 'Identity Check') is a process that provides security for your online credit card payments. With 3DS Identity Check, you identify yourself by providing secure information that is only available to you. This process provides an extra layer of security for your online transactions and makes it more difficult for fraudsters to gain access to your payment details. 3DS 2.0 is the latest version and offers you a smooth and secure process for authenticating your online payments.

Moss cards are compatible with Mastercard SecureCode (3DS). This means that whenever you see the Mastercard SecureCode logo, your online payments will go through the authentication process during checkout. Mastercard contacts Moss during the payment process to confirm your identity.

For authentication purposes, you will receive a one-time password for each online payment you make at participating merchants. The one-time password will be sent by SMS to the mobile phone number you have on file with Moss. Simply enter the one-time password on the authentication page that appears and press 'Send'. The one-time password will then be verified and the transaction approved or declined. To ensure that the mobile phone number you have entered is correct, your partially hidden mobile phone number will be displayed. If the mobile number is incorrect, cancel the transaction and either update your information on the portal or contact Customer Service on +44 20 4571 2718.

If you ever suspect that a fraudulent payment has been made with your card, contact Customer Service immediately on +44 20 4571 2718.