Do you want to optimize your expense management and make the associated processes more effective? With Moss you can create employee cards for all employees, departments and expenses.
Freedom for teams
Your team can apply for individual cards for all kinds of costs with just a few clicks.
Transparency
Full cost transparency thanks to individual limits and real-time transaction overview.
Monitor your expenses
Employee cards can be created, released and blocked again with just a few clicks.
Digital document entry
All receipts can be uploaded directly into Moss and exported for month-end closing.
Distributing budgets, approving purchases, billing expenses - repetitive work often costs finance teams several working days a month. Free up your time, automate your expense management with Moss and distribute as many physical and virtual credit cards as you like across the organization. Whether for individual employees or teams, for one-time expenses or monthly subscriptions. Set individual limits and keep an eye on all costs.
Just pay what's due: Moss empowers teams with an infinite amount of company credit cards for all employees. Purpose-built budget cards, as well as merchant-specific subscription cards, allow teams to spend autonomously - while the finance team stays in control.
Moss corporate credit cards save you time in accounting. With person- or purpose-specific credit cards, the entire team can make expenses and upload receipts with a single click. This makes it easy to assign all payments to the correct cost center. Transaction lists show you where receipts are missing during the month. Set up automatic reminders via Slack or email instead of asking the same questions over and over each month.
As a team lead, you can create as many corporate credit cards for your team members as you like. Moss offers the right card for every expense. Create one-time cards for specific expenses, subscription cards for recurring payments like your software subscriptions, or personal cards with monthly limits. Track all expenses in real time, freeze cards, and flexibly adjust limits.
Employee cards are corporate credit cards for employees. These can be created in the Moss app with just a few clicks and in real time. Whether for recurring or one-off payments, whether for business expenses or software subscriptions - with our employee credit cards, expenses can be made efficiently and transparently.
Yes and no. If the employee requests the employee card himself/herself, he/she already specifies these points before the request. If the employee card is created by an administrator for an employee and no request was made by the employee, then the administrator defines the frequency, limit and purpose.
As already mentioned, individual credit cards can be created for all cost centres. This not only means that individual cards can be created for a business trip, for example, but also that all receipts can be uploaded straight into the Moss application.
Employees never have to make private expenses again and the accounting department saves a lot of time as there is no need to search for receipts or make additional entries.
Credit cards for employees and for specific purposes ensure maximum efficiency in managing all kinds of expenses.
Thanks to our employee cards, all cost centres can be managed efficiently and transparently. Thanks to virtual cards, an unlimited number of these employee cards can be created - whether for one-off payments or monthly subscriptions.
Companies benefit from these cards in many ways:
Employee benefits/Fringe Benefits are a kind of income that does not consist of money. In distinction to cash wages, this income is also referred to as non-cash benefits or wages in kind. These benefits can include free work clothes, company cars or allowances for meals, accommodation and childcare.
Tax-free fringe benefits are non-cash benefits that are neither taxable nor subject to social security contributions. For 2021, the limit for tax-free fringe benefits was 44 € per month per employee. From 2022, the exemption limit will increase to 50 € per month.
All employees in a company can receive benefits. It does not matter whether they work full-time or part-time, are in training or are employed on a 450-euro basis.
Non-cash remuneration does not include, for example, the reimbursement of privately incurred telephone charges, cash allowances for travel expenses between home and the place of work, or contributions to health or long-term care insurance. These are cash wages. Taxes and social security contributions are incurred.
Requesting an employee card takes just a few clicks in the Moss app. All the employee has to do is click on +New Card in the Cards tab and select the type of credit card, whether it is a one-time payment or a subscription, and whether the credit card should be virtual or physical. Then it is a matter of specifying the frequency, the limit and the reason for the purchase and clicking on Request new card. When an admin then confirms this card, it is immediately ready for use.
Both virtual and physical credit cards for employees are fully valid credit cards. Accordingly, all payments can be made with these cards. The most common uses of employee cards include software subscriptions, tools, travel and expenses of all kinds. But as already mentioned, the scope of application of these cards is much broader. Wherever you can pay by credit card, our cards can be used.
No. In order to ensure complete control and maximum transparency, it is not possible for employees without admin rights to approve employee cards themselves. After the request, these can only be approved by admins, such as the respective head of department or by the finance department.
The contract for the use of the Moss Service is concluded for an indefinite period. It may be terminated by either party with one month's notice.
As of January 2022, employee/fringe benefits of up to 50 € per month are tax-free if they are paid in addition to the salary that is owed anyway. If this limit is exceeded, the entire amount must be taxed. The taxation is based on the Income Tax Act (EStG).
Employee benefits (also called fringe benefits) must be recorded in the payroll, even if it is subject to the 44 or 50 euro exemption limit and is thus tax-free. For correct accounting, the amount of the benefit paid and the date of issue must be documented.
Since 01 January 2022, vouchers and cards may only be used to purchase goods and services. The use of these vouchers and cards will also be limited. The criteria of the ZAG (Payment Services Supervision Act) apply.