No surprise FX. Cards that pay in the card currency.
Issue currency-specific virtual cards and fund matching accounts in EUR and USD. Payments settle in the card’s currency and reconcile cleanly in Moss.
True 1:1 settlement
Transactions for supported currencies settle in the transaction currency, avoiding unnecessary FX.
Card-level currency controls
Virtual cards are issued with a single funding currency and have limits and controls in that currency.
Simple funding and reconciliation
Open currency accounts and top up via SWIFT or local rails, then reconcile every transaction in Moss.
Trusted by finance teams at Europe's leading companies
Virtual cards that pay in the card currency
Open an account, top it up, then issue virtual cards that spend and settle in that accounts currency for clean, currency-accurate reconciliation.
- Open EUR or USD accounts and top up via SWIFT or local payment rails.
- Issue virtual cards linked to a specific account and set spend limits and merchant controls per card.
- Every card transaction posts in the correct currency so reporting and reconciliation stay accurate.
Businesses save more with Moss.
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 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
Who is Multi-Currency for?
UK businesses that trade internationally and finance teams that need FX efficiency, currency controls and cleaner reconciliation.
Which currencies are supported?
Moss supports accounts in EUR and USD.
Will transactions use Mastercard FX?
For supported currencies, transactions settle 1:1 in the transaction currency and do not use Mastercard FX conversion.
Can one card switch between currencies?
No, each virtual card is issued with a defined currency and is linked to that currency’s account.
How do I fund currency wallets?
Top up accounts via SWIFT or local payment rails, depending on your bank.
Will I be able to use Google Wallet or Apple Pay?
Yes, Google Wallet and Apple Pay support is coming shortly.
What happens if a card is used in the wrong currency?
If a payment is attempted in a different currency than the card’s currency, the transaction will be declined to prevent accidental FX exposure.
Are spend limits and controls currency-specific?
Yes, virtual cards are linked to their currency account and have limits and controls enforced in that currency.
How will transactions appear in my accounts?
Card transactions post in the correct currency so reporting and reconciliation stay accurate.
G2
4.7
Experience modern spend management with Moss.
