Moss

Moss is a unified finance platform that brings together corporate cards, invoice processing, and employee reimbursements in one place. It automates expense capture, approval workflows, and reconciliation — so your team spends less time on admin and your books are always up to date.

Moss connects to Xero via a secure OAuth API. It pulls your chart of accounts, suppliers, tax codes, and tracking categories directly from Xero, then syncs approved transactions back automatically — including receipts and audit trails. There is no manual bank matching or data entry required.

Moss covers all employee and business spending: corporate card transactions, supplier invoices, and out-of-pocket employee expense claims. All three are managed, approved, and reconciled in a single platform.

Yes — Moss gives you granular controls before money is spent. You can set per-card limits, require purchase orders above certain thresholds, create custom approval workflows by team or spend category, and get real-time alerts on out-of-policy purchases.

Most businesses are up and running within a day. Connecting Moss to Xero takes just a few clicks, and we handle the full setup — card issuance, approval workflows, accounting mappings, and team onboarding — so you can go live quickly and confidently.

We manage the complete implementation — Xero connection, chart of accounts mapping, card provisioning, and team training. After go-live we remain on hand for workflow changes, new user onboarding, and any technical support you need.

Yes — with the Procurement add-on, Moss extends into a full procure-to-pay workflow. Employees raise purchase requests in a few clicks; approvers match them to budgets and convert approved requests into supplier-ready POs. When invoices arrive, Moss automatically matches them to pre-approved spend — so if the details align, the invoice is approved without any manual review. Every step is logged for compliance.

Yes. The ERP add-on provides purpose-built, dedicated connectors for Oracle NetSuite, Microsoft Dynamics 365 Business Central, and SAP Business One. Each connector syncs complete, categorised, audit-ready spend data — including all relevant dimensions — directly into your ERP. For other systems, the Moss API lets you build custom integrations or connect BI tools and data warehouses. Dedicated onboarding and ongoing support are included.

Moss issues physical and unlimited virtual Mastercard cards, accepted worldwide. Cards can be configured for specific purposes — single-use purchases, recurring software subscriptions, project spend, or team use. Credit-BIN cards are available for scenarios that require a credit card, such as hotel bookings and car rentals. All cards support Apple Pay and Google Wallet, and can be frozen or terminated instantly from the Moss dashboard.

Employees submit mileage claims via the Moss mobile app. Moss automatically calculates the reimbursement amount using either company-configured rates or HMRC advisory rates, and generates a full calculation trace for audit purposes. Finance can configure VAT enforcement and mandatory audit fields, and once approved, payouts are made instantly directly from the Moss platform — no separate payroll run required for straightforward mileage claims.