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Our virtual credit cards are ideal for all occasions and expenses - whether for one-time payments or monthly subscriptions, whether marketing expenses or travel costs. With any number of virtual credit cards, all employees in the company can pay all expenses online.
Unlimited
Create as many virtual credit cards as you like for all your expenses.
Flexible
Issue dedicated cards per vendor or expense, set limits and make changes in real time.
Fast
Virtual credit cards can be created and blocked within seconds.
Secure
Fixed limits and adjustments in real-time provide maximum control and security.
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.
More and more businesses are turning to virtual credit cards to pay for expenses incurred. Essentially, a virtual credit card works just like a traditional (physical) credit card and can be used for all online payments.
With Moss, for example, any number of credit cards can be created and the card limit, the purpose of issuance and whether it is a one-off or recurring payment can be specified directly in advance.
In addition to limit, purpose and frequency, the card itself naturally shows all the information necessary for a purchase.
In concrete terms, this is:
- credit card number
- expiry date
- verification number
Exactly these three pieces of information are necessary to make a purchase, and since virtual credit cards are created in our tool in no time at all, the purchase can also be made immediately.
A traditional corporate credit card is a payment card issued to companies by banks and credit institutions. Companies are given a monthly spending limit - the limit depends on the company's creditworthiness and financial conditions.
As soon as the application has been confirmed and the card has been received (by post), you can start using it. All payments, whether online or in stores, can now be made with this card. Throughout the month, all receipts must be collected for accounting purposes, and at the end of the month, the card statement follows, i.e. the debit from the deposited account.
With the virtual credit card, things are a little different.
With Moss, all cards are created directly in the application. The business account is connected to the application in advance and, depending on whether you choose Moss Debit (without credit check) or Moss Credit, you may still have access to a limit of up to €749,000. Allreceipts and invoices can be uploaded directly via mobile app or in the web application after receipt and assigned to the respective expense. This means you no longer have to collect receipts and everything is prepared in the best possible way for the monthly closing of the accounts.
In short, yes. Waiting for the one physical credit card in the company can often be time-consuming and inefficient. Especially if there is only one physical credit card in the company and it has to be requested first, it is often not possible to react to an acute situation. This is where the virtual credit card provides a remedy. Virtual credit cards can be used immediately and can be put to use straight away.
For example, an employee can use Moss to request virtual credit cards for specific purposes, which are then confirmed and released by the CFO or the respective head of department. Admins (e.g. CFOs) can also create virtual credit cards directly and assign them to employees.
Of course, this all happens in real time and so all cards can also be released, adjusted or frozen again in seconds.
Creating corporate credit cards in Moss is a matter of seconds. As a customer, you have access to an unlimited number of virtual credit cards that are created and ready to use at the click of a button.
Moss offers a user-friendly platform that allows you to create as many corporate credit cards as you like and control budgets in real time. Both physical and virtual cards. In addition to general purpose credit cards, you can also create merchant-specific cards for recurring or one-off cards for specific occasions. Relevant information such as card limit and purpose can be selected and added to the card.
Depending on the authorisation level of the employee, the paths to the virtual card differ: As an admin, you can create virtual credit cards with just a few clicks. Employees without admin rights can request cards, which can be confirmed or rejected directly by an admin.
With Moss, employees can request cards for all kinds of expenses with just a few clicks. The steps are as follows:Log in to Moss applicationSelect Cards tab+Select new virtual credit cardType of card (physical/virtual; one-time payment/subscription)Set purpose, frequency and limitClick on Request New Card button. DoneCreating a credit card is done in seconds and the cards are ready to use immediately. Admins can create cards directly without having to wait for approval.
With Moss, employees can apply for cards for all kinds of expenses with just a few clicks of the mouse. The steps are as follows:
1. Log into Moss application
2. Select Cards tab
3. +Select new virtual credit card
4. Select type of card (physical/virtual; one-time payment/subscription)
5. Set purpose, frequency and limit
6. Click on the Request new card button. Done.
Creating a credit card is done in seconds and the cards are ready to use immediately. Admins can create cards directly without having to wait for approval.
Virtual credit cards offer their users a multitude of advantages. In addition to the increased flexibility and security, the accounting department also benefits enormously.
- Full cost control
Since the card limit for virtual credit cards is already set when the card is created, this limit cannot be exceeded during payments and all costs remain under control.
- No need to change accounts
Often credit card applications require additional accounts to be created. Not with Moss. Connect your business account to our application and access your existing infrastructure.
- Cards are ready to use
Virtual credit cards are created in seconds and ready to use. Limits, purpose and frequency can be adjusted in real time.
- No credit check (Moss Debit)
No credit check is required for the Moss Debit package and you can start immediately.
- High limit (Moss Credit)
Moss Credit requires a credit check, but also allows an additional limit of up to €749,000.
- Maximum security
Each card has a fixed limit that cannot be overdrawn and thus already significantly reduces the potential financial damage. For example, if a credit card was created for a one-time payment, it cannot be used again after this one-time transfer.
- Real-time customisation
Since all cards can be customised in real time, it is always possible to react to new developments and the team and staff can respond to new developments with maximum flexibility.
- Can be used worldwide
Virtual credit cards for corporate spending can be used worldwide, as payments ultimately take place online.
- Preparatory accounting
By attaching all vouchers for the corresponding booking directly in Moss and through the interface to all common accounting software (e.g. DATEV), the month-end closing is quickly done.
- Cash withdrawal from ATMs not possible
- Currently only possible for online purchases
Anyone who uses credit cards, whether virtual or physical, should always be aware of any fees that apply. It is precisely these fees that often make the difference. Standard fees are:
- Annual fee
- Activation fee
- Charges for loading
- Foreign currency fee
In addition to these standard fees, users often incur other costs. Moss is a little different.
Fees of Moss
- Monthly service fee for the first physical card (free of charge!)
- Service fee for physical replacement cards (10€/card)
- Service fee for virtual cards (free of charge!)
- Online billing (free of charge!)
- Use of Moss (12€/month per active user)
- When using a Secured Credit Card Product: Negative interest according to section 1.4.3 of the applicable General Special Conditions of Raisin Bank AG. This is an invoice item charged by the partner bank (0.50% p.a.).
Payment is made online with a virtual credit card just like the physical version. All that is required is the card number, expiry date and CVV code. This information is shown on our virtual cards and can be easily copied out from our web application or mobile app.
Virtual credit cards are suitable for start-ups, for SMEs and also for big players; in fact for every company that wants to optimise costs and employee expenses and save the finance department time and work. Department heads can create their own cards for expenses in the department, the joint lunch can be paid for with a quickly created card or the monthly marketing costs. Conveniently pay for everything that is incurred, in real time and completely transparently.
Moss Credit is a credit card with payment terms of up to 60 days. Moss Debit is a credit card with a credit account. With credit cards with payment terms, outstanding balances are paid by direct debit at the end of each billing period. Extended payment terms of up to 60 days and dynamic limits make Moss the ideal solution for fast-growing businesses.
In short: No, not yet. To be able to pay with a virtual credit card in the shop, you need Google Pay or Apple Pay. An interface with Moss is currently in the works and will follow in the near future. From then on, it will be possible to pay with virtual credit cards in the shop.
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