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.
G2
4.8
Smarter spend.
On your terms.
Start free with core workflows or unlock the full power of Moss from day one. Flexible pricing, unlimited users, and only pay for the features you need.
Free Plans
Start free with Cards or Accounts Payable. Upgrade anytime for full functionality.
- Up to 3 users with unlimited cards (Cards)
- Up to 20 invoices per month (Accounts Payable)
- Customisable approval & verification steps
- Accounting integrations & CSV exports
Paid Plans
from 99€ / Month
Build a package around your needs — and only pay for what you use.
- Unlimited users, cards & invoices
- Advanced approval flows & budget controls
- Access to add-ons like Advanced Accounting
- Smart user management with HR software integrations
- 1:1 onboarding support
Moss integrates with 50+ finance tools
G2
4.8
Mia: Smarter spend.
On your terms.
Start free with core features or unlock the full power of Moss with advanced approvals and smart automation.
Free Plans
Start free with Cards or Accounts Payable. Upgrade anytime as your needs grow.
- Up to 3 users with unlimited cards
- Up to 20 invoices per month
- Custom approval & verification steps
Paid Plans
from 199€ / Month
Build your ideal package and pay only for the features you use.
- Unlimited users, cards & invoices
- Advanced approval flows & budget controls
- Accounting integrations and access to add-ons
- Smart user management with HR integrations
- 1:1 onboarding support
Moss integrates with 50+ finance tools
G2
4.8
Ausgaben meistern.
Flexibel bezahlen.
Starte kostenlos mit den Basisfunktionen oder nutze die volle Stärke von Moss ab Tag eins. Flexible Preise, unbegrenzte Nutzer und du zahlst nur für die Funktionen, die dein Team braucht.
Starter Plan
Kostenlos loslegen mit Firmenkarten oder Eingangsrechnungen – jederzeit erweiterbar.
- Bis zu 3 Nutzer mit unbegrenzten Karten
- Bis zu 20 Rechnungen pro Monat
- Anpassbare Freigabe- & Prüfschritte
- Buchhaltungsintegrationen & CSV-Exporte
Professional Plan
ab 99€ / Monat
Baue dir dein ideales Paket und zahle nur für genutzte Funktionen.
- Unbegrenzte Nutzer, Karten & Rechnungen
- Erweiterte Freigabeabläufe & Budgetkontrollen
- Add-ons verfügbar, z. B. Erweiterte Buchhaltung
- Intelligente Nutzerverwaltung mit HR-Integrationen
- Persönliches 1:1 Onboarding
Moss verbindet sich mit über 50 Finanz-Tools
G2
4.8
Mia: Smarte Firmenkarten, flexibles Preismodell.
Starte kostenlos mit den Basisfunktionen oder nutze die volle Stärke von Moss mit erweiterten Freigaben und smarter Automatisierung.
Starter Plan
Kostenlos loslegen mit Firmenkarten oder Eingangsrechnungen – jederzeit erweiterbar.
- Bis zu 3 Nutzer mit unbegrenzten Karten
- Bis zu 20 Rechnungen pro Monat
- Anpassbare Freigabe- & Prüfschritte
Professional Plan
ab 199€ / Monat
Baue dein ideales Paket und zahle nur für die Funktionen, die du nutzt.
- Unbegrenzte Nutzer, Karten & Rechnungen
- Erweiterte Freigabe- & Budgetkontrollen
- Add-ons wie Erweiterte Buchhaltung
- Intelligente Nutzerverwaltung mit HR-Integrationen
- Persönliches 1:1 Onboarding
Moss verbindet sich mit über 50 Finanz-Tools
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.