“Can a European corporate card company become the full-stack spend management and financial control OS for SMBs?”
Founded in 2019, Moss launched as a corporate card and expense management platform targeting European SMBs. The company has progressively expanded beyond cards into a full spend management suite covering accounts payable, reimbursements, purchase controls, and AI-powered accounting. Moss has embedded FX/cross-border payments via Airwallex and leveraged Klarna Kosma's open banking rails for European expansion, positioning itself as a unified financial control layer for finance teams at 7,000+ companies.
Moss discloses Transact Payments Malta Limited as its banking provider, according to the Embedded Finance Index 2026.
Moss does not disclose a bank charter of its own; its banking services are provided through Transact Payments Malta Limited.
Moss's cards are issued through Transact Payments Malta Limited.
Moss connects to bank accounts through Klarna Kosma and Gocardless.
Moss uses Airwallex for FX and cross-border payouts.
Moss integrates with QuickBooks Online, Xero, NetSuite and SAP.
The Embedded Finance Index 2026 maps 6 layers in Moss's stack: Banking / BaaS (Transact Payments Malta Limited); Card issuing (Transact Payments Malta Limited); Open banking (Klarna Kosma and Gocardless); Unified APIs (Airwallex); FX & payouts (Airwallex); Accounting (QuickBooks Online, Xero, NetSuite and SAP).
Moss is founded in 2019 and headquartered in Berlin, Germany.
Get a read on where your own stack stands against Moss and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.