How can we help you?

Moss is Europe’s most powerful and flexible spend management platform for SMEs, delivering integrated end-to-end workflows from procurement to payments. With pre-accounting automation and controlling features, Moss increases efficiency and offers complete control over company spend. By unifying corporate cards, accounts payable, and reimbursements, Moss helps finance teams move from reactive to strategic—driving smarter decisions that shape the future of their business.

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. Read more here.

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

No. Moss is available on flexible contract terms — speak to your account manager or book a demo to discuss the right plan for your team size and commitment preference.

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. Moss has native integrations with 10+ accounting systems and ERPs. Additionally, you can create custom exports (e.g. CSV files) for any accounting software.

Yes, Moss can be connected to many different HR tools – find the complete list here. Connecting to an HR tool allows you to easily onboard and automatically offboard employees. Employee details can be extracted to automate the reimbursement process in Moss. Team structures can be copied over from your HR tool and Moss will set up the same team structures for you. When employees are out of office, Moss keeps you in the loop by sending proactive messages, providing you with the option to swiftly designate a substitute approver, ensuring processes keep running smoothly.

Yes, Moss has many features that allow you to automate your pre-accounting processes. We use optical character recognition (OCR) to automatically extract details from submitted invoices and AI-based rules to prefill data based on your transaction history in Moss. You can set up rules per merchant, as well as default accounting attributes for your suppliers.

Yes, the Moss mobile app is available on both Android and iOS devices. The app allows everybody to do their daily tasks on the go. Users can submit any expense type and attach receipts to card transactions by quickly taking a photo and uploading it to the app. Admins can approve or deny the incoming requests on the go, without having to be at their desks.

Yes, purchase requests and purchase orders can be exported to an accounting tool. Moss support 50+ accounting tools to which you can connect to and export your spend into.

Yes. Moss allows you to make payments globally across cards and invoices. Moss captures each transaction in its original currency alongside the exchange rate and FX fee, which can be posted to your specified FX fees account in your accounting system. Reimbursements are always recalculated to home currency at the point of submission and can also be paid out as such.

Yes. Moss is designed for organisations with multiple legal entities or subsidiaries. Finance teams get a consolidated view of spend across all entities from a single platform, while maintaining separate accounting exports, approval policies, and card programmes per entity.

Yes, with both Moss Credit and Moss Debit you will receive genuine Mastercard corporate credit cards with the highest level of payment acceptance.

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. Moss Credit provides businesses with a high credit line of up to 2,500,000 € and payment terms of up to 60 days.

Yes! With Moss Debit you can start depositing funds straight away. Just sign up, make a deposit to your Moss wallet, and create unlimited virtual credit cards to begin spending right away.

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.

Employees can request cards in Moss at any time. Requests are automatically routed to the appropriate approver(s) based on your company’s predefined approval rules in Moss. Learn more about our approval rules here.

Yes! With the Moss web and mobile app, you and your team can easily upload receipts and add key details like cost centres and VAT rates to individual transactions.

Moss customers with high transaction volumes have the option to receive cashback, available for both virtual and physical corporate card payments.

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, with Moss you can process all your incoming supplier invoices. Once submitted, an invoice will be automatically routed to the relevant people for approval and review. Once these steps are completed, you can choose to pay your invoices from your Moss wallet. 

Reviews in Moss can be done by users who have the admin or accountant role. The approval process is routed according to the approval rules that you have set up. If you want to learn more about our approval rules and its capabilities, you can read this Help Centre article for more information.

Yes, all payments can be managed and paid directly from Moss. Payments can be made in 70+ currencies. You can use SEPA instant payments in EEA, and instant payments via the Faster Payments network in the UK.

Yes, all invoices can be exported. Moss supports integrations with many different accounting softwares and ERPs (see the full list here). For integrations that are not supported, you can download a CSV with all the relevant export details and upload it to your accounting software.

Yes, Moss support 50+ accounting systems to which you can connect to and export your processed Invoices into. Each invoice carries line-level accounting attributes including VAT codes, cost dimensions, supplier data and they arrive coded in your accounting system

For most finance teams, yes. Moss handles the full end-to-end AP process - purchase orders, invoice capture, approval routing, and payments - with the option to add procurement functionality as well. Everything posts to your accounting system in a single export, so you're not having to jump between systems at month-end.

Yes. Moss allows you to pay supplier invoices globally, optimising for local payment rails wherever possible for more efficient payment fees. Expenses are recorded with their original currency alongside the local conversion for accounting purposes. Full currency list here

Yes, employees can submit reimbursement claims in Moss for business expenses, mileage, and per diems (Germany only). Claims are submitted via the web or mobile app with receipts attached and are automatically routed to the appropriate approver.

Yes, employees can be reimbursed directly from Moss using the Moss balance. Payment details can be entered manually or synced from your HR software. Reimbursements can be processed individually or in bulk, enabling efficient payment runs, while data syncs with your accounting or ERP system ensure accurate bookkeeping.

Once a reimbursement is submitted, finance teams can review it to validate that the correct accounting attributes have been applied. Custom approval rules ensure each claim is routed to the appropriate manager for approval. Once approved, reimbursements can be paid directly through Moss or exported to your accounting or ERP system.

Approval rules can be customised based on various factors, including request type, amount, user, team, department, or accounting details. For more on setting up approval rules, see this Help Centre article.

Yes, all reimbursement claims can be exported to your accounting software. Moss integrates with various accounting systems and ERPs (see the full list here). In addition to expense details, the recorded payment of reimbursement claims is also exported. If your system isn’t supported, you can download a CSV with all relevant details for easy manual upload.

Yes. Employees can submit mileage claims directly through the Moss app, alongside their other out-of-pocket business expenses. Finance teams can use pre-set governmental rates, or set custom rates depending on the expense policy. Moss calculates the amounts, and approved claims are paid out to employees - no spreadsheets or separate tools required.

Yes employees can be quickly reimbursed with Moss. All the necessary workflows, automated out of office delegations and reminders are in place to allow for a quick reimbursement approval and pay-out. Once a reimbursement claim is approved in Moss, the funds can be paid directly to the employee's bank account — typically within one to two business days. Though Moss will not pay-out any reimbursement automatically. You still have the decision power about when you want to make the payment with scheduled payments being available.

Moss is a BaFin-regulated institution under PSD2 framework. We are also compliant with the Digital Operational Resilience Act (DORA).

Moss prioritises security with a state-of-the-art, bank-grade infrastructure designed to protect personal and financial information, ensuring a secure environment for all transactions. To safeguard against fraud and malicious activity, Moss employs advanced fraud prevention systems that proactively detect and prevent unauthorised transactions. This includes support for 3D Secure (3DS) for online payments, multi-factor authentication for platform login, and four-eye authorisation for outgoing supplier payments. In cases of suspected fraudulent activity, security measures such as declined transactions and temporary card freezes help mitigate risks and protect users.

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.

Moss prioritises customer privacy, trust, and data safety, implementing robust measures to ensure data protection and security. Moss has established and operates a certified Information Security Management System in accordance with ISO/IEC 27001:2022 that adheres to international standards and best practices, safeguarding customer funds and data. All personal and financial data are processed in accordance with the General Data Protection Regulation (GDPR) and the Payment Card Industry Data Security Standards (PCI DSS), ensuring compliance with stringent data protection laws.

Moss uses Google Cloud Platform (GCP) as its cloud service provider. All data for our customers is hosted in the GCP Frankfurt region, located in Germany. This is in line with the best practices of GDPR, ensuring that data resides in the EU. For more information, please see our Privacy Policy.

3DS (also known as ‘Mastercard SecureCode’ and ‘Identity Check’) is a process that provides security for your online credit card payments. Moss cards are compatible with Mastercard SecureCode (3DS) adding an extra layer of security for online payments. For authentication purposes, you will receive a one-time password for each online payment you make at participating merchants enhancing protection against unauthorised use.