Press Release

Moss helps start-ups & SMEs kickstart growth with a 10x higher credit limit


Credit card providers serving the start-up and SME market in Germany are facing tough competition from a new solution designed specifically to address the pain points of small and growing businesses.

Berlin-based Moss offers customers credit limits up to 10 times higher than they might get from traditional providers, who are often reluctant to lend significant amounts until a business is more established.

It means that, for the first time, start-ups and SMEs in Germany can manage their entire spend via one credit card account and wave goodbye to the headaches of finding ways to fund the software subscriptions, online marketing campaigns and tools they need to grow in those first few vital years.

Moss’s proprietary underwriting technology keeps customers’ credit limits well within their bounds of affordability. Businesses must be incorporated in Germany and have raised a minimum of €100,000 in funding from professional investors to qualify for a Moss account.

“As serial entrepreneurs, we understand, first-hand, the issues and challenges of building a new company and getting a decent credit line” says Ante Spittler, CEO of Moss. “We have experienced the same problems and wanted to create a solution to help start-ups and SMEs to manage their finances.”

The fintech has caught the attention of investors. Moss has so far raised €30m from a range of high-profile investors, including Silicon Valley veteran Peter Thiel’s Valar Ventures. And, although Moss only launched in 2019, the company is maturing fast. It now has a team of around 80 employees and, by January 2021, had issued more than 1,000 credit cards and processed over 10,000 transactions.

Moss has teamed up with Malta-based card issuer TransactPay and global payments company Mastercard to issue its credit cards. “TransactPay is very proud to be supporting Moss with the delivery of such an effective business credit solution, an area of the business sector which has to date been poorly served,” says TransactPay CEO Aaron Carpenter. “The simplicity and accessibility of the Moss solution will benefit businesses greatly and we look forward to a successful 2021 and beyond with Moss with the delivery of this solution to the German market”.

Andreas Spengel, Senior Vice President Market Development at Mastercard Germany and Switzerland, adds: “We provide Moss with a global perspective and our tech and market know-how. Our flexible platform and on-the-ground support ensured a smooth integration into their core business and helped them drive their ambitions with innovative virtual and physical credit cards for small and medium businesses moving forward.”

Managing a Moss credit card account couldn’t be easier. For every account, businesses can order an unlimited number of physical and virtual credit cards. That means everyone who needs to make quick spending decisions can be issued with their own company credit card. Spending activity can be controlled centrally by the finance team via an online platform, which allows the team to set individual spending limits, approve payments and even freeze cards when necessary. Not only that, the software makes the lengthy process of filing expense reports obsolete and can be fully integrated with existing accounting software systems, shaving days off the time it takes to close monthly accounts. Moss estimates that its solution can save businesses up to 30% of time spent on accounting and €10,000 on wasteful spending.

To find out how Moss can help businesses manage their spending more effectively, visit 

About Moss

Moss is a technology-based payment and credit card platform that enables companies to optimise their finances. Start-ups, tech companies, and SMEs can issue employee credit cards and manage all company spending using the intuitive Moss software platform that is powered by a proprietary card issuing and risk engine. The Berlin-based tech company was founded by serial entrepreneurs Ante Spittler, Anton Rummel, Ferdinand Meyer, and Stephan Haslebacher in 2019 and launched a next-generation corporate credit card for start-ups in 2020. The Moss team consists of more than 80 employees with extensive technical, product, financial, risk and business experience. Moss has raised over €30 million from some of the world’s most renowned investors, including Peter Thiel’s Valar Ventures, Cherry Ventures and Global Founders Capital. Learn more at


About TransactPay

TransactPay has built a reputation as the experts in payment and card solutions. TransactPay provides innovative and flexible UK and European BIN sponsorship, modular payment, debit and prepaid services. It is a licensed UK and European e-money institution, regulated by the Gibraltar Financial Services Commission and the Malta Financial Services Authority and is a Principal Member of both Mastercard and Visa.


About Mastercard

Mastercard is a global technology company in the payments industry. Its mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, its innovations and solutions help individuals, financial institutions, governments and businesses realise their greatest potential. Mastercard’s decency quotient, or DQ, drives its culture and everything it does inside and outside of its company. With connections across more than 210 countries and territories, Mastercard is building a sustainable world that unlocks priceless possibilities for all.



4 May 2021


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