The Complete Guide to Getting the Most Out of Your Moss Corporate Card

Empower your business with Moss Corporate Card: simplify expenses, optimize cash flow, and gain unmatched financial control.

Whether you’re onboarding your finance team or scaling operations, Moss offers far more than just spend limits and tracking. This guide dives deeper into how UK businesses can unlock the full potential of the Moss platform — with expert tips, lesser-known features, and actionable advice for finance leaders.

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Step-by-Step: How to Set Up Moss for Maximum Efficiency

1. Configure Role-Based Access
Start by defining access levels for your team. Moss allows granular permissions: finance managers get full access, while individual employees can be restricted to submitting receipts only.

2. Design Spend Policies by Department
Segment spend controls by department or team. For example, marketing might have a monthly digital ad cap, while sales can be allowed higher travel budgets — all automatically enforced by Moss.

3. Link to Your Accounting System Early
Integrate with Xero, DATEV, or QuickBooks from the start. This reduces manual reconciliation later and ensures all expenses are tagged properly in your chart of accounts.

4. Automate Receipt Collection
Enable receipt reminders via Slack or email. You can also activate Moss’s OCR (optical character recognition) system, which reads and matches uploaded receipts with transactions — saving hours each month.

5. Use Analytics to Forecast Spend
The dashboard includes visual spend trends by category, cardholder, or custom tags. Use this data to adjust quarterly budgets or negotiate better vendor rates.

💡 Hidden Features & Underrated Hacks

• Merchant Locking: Restrict cards to specific vendors (e.g., only work with LinkedIn Ads or AWS).
• Auto VAT Tagging: Moss can auto-tag VAT on eligible transactions based on vendor country and type.
• Slack Integration: Receive real-time expense alerts and approval requests directly in Slack.
• Time-Based Limits: Create cards valid only during events, conferences, or fiscal quarters — perfect for time-bound projects.
• Budget Deviation Alerts: Receive alerts if spend trends deviate from planned forecasts by more than 10% over a week.

How to Maximise ROI with Moss

To truly extract value, finance leaders should position Moss not as a payment tool, but as a spend governance platform. Here are three high-leverage strategies:

1. Link Spend Data to KPI Tracking
Use Moss data to correlate team-level spend with campaign outcomes, client acquisition costs, or departmental ROI. This transforms finance into a strategic function.

2. Use Spend Limits to Influence Behaviour
Teams naturally become more disciplined when they know spend is tracked and limited. Set clear policies and tie them to performance bonuses to drive accountability.

3. Replace Reimbursement Systems
Moss eliminates the need for reimbursements, reducing friction and administrative overhead. This improves employee satisfaction and speeds up month-end close.

🔄 Alternatives to Consider

While Moss stands out for automation and scalability, here’s how it compares to UK-based alternatives:

• Soldo – Offers prepaid cards and solid spend tracking, but lacks deep accounting integration.
• Pleo – Similar automation features, but weaker in custom policy enforcement and ERP syncing.
• Capital on Tap – Offers traditional credit, better for businesses seeking rewards, not control.

Each has its merits, but for finance teams prioritising visibility, compliance and scale, Moss remains the most balanced choice.

🧾How to Apply for a Moss Corporate Card

To apply for a Moss Corporate Card, your business needs to be registered in the UK or EU, ideally with at least six months of trading history. The process starts online via the Moss website, where you’ll fill out a short form and may be invited to schedule a demo.

Required documents typically include proof of company registration, business address, bank account details, and director verification. No personal guarantee is needed, and approval usually takes 1–3 working days after submission.

❓ Frequently Asked Questions (FAQs)

1: Can Moss handle international currencies?
Yes. Moss supports multi-currency transactions, and cardholders can make payments abroad without foreign transaction fees.

2: What’s the credit limit based on?
Moss offers dynamic credit limits, typically based on your business’s financial health, revenue, and cash flow. In many cases, no hard credit check is performed.

3: Can I issue cards for freelancers or contractors?
Absolutely. You can issue temporary or one-time-use cards for non-salaried team members, with pre-set expiry dates and limits.

4: Is there a mobile app?
Yes, Moss has a sleek mobile app for iOS and Android, enabling employees to upload receipts on the go, get push notifications for approvals, and monitor spend in real time.

CREDIT CARD

Moss Corporate

Earning Rewards High Credit Limits

APPLY NOW You will be redirected