Moss
Moss is a B2B expense / corporate issued on Mastercard, rated 6.4/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Moss is the strongest fit for ad spend and app store / play, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Moss · B2B Expense / Corporate |
| Official site | https://moss.co |
| Best for | Ad spend · App Store / Play |
| Network | Mastercard |
| Rating | 6.4/10 (3.0★, 802 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | Free (Starter); paid tiers |
| FX / conversion fee | 1% - 2% |
Verification and risk
| KYC required | Yes |
| Risk level | Low |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited virtual cards |
Billing
| Billing address | Germany/EEA |
| Billing country | UK, DACH, Benelux |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 555709 | Mastercard | United Kingdom | Credit | 148 | 105 | 70.9% |
We logged 105 cleared charges out of 148 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Moss cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; conversion is priced at 1% - 2%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Moss?
Moss asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Moss?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Moss need?
Setting it up: the billing address type is Germany/EEA; cards are issued against UK, DACH, Benelux; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Moss work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Moss trigger 3-D Secure?
Yes. Moss supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Moss?
The issuer allows Unlimited virtual cards. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.