This feature is currently in beta.
You can apply additional card restrictions based on merchant categories and time windows, both when creating new cards and when editing existing ones.
These advanced controls help Finance teams guide spend more precisely, reduce misuse, and manage a higher volume of cards without losing oversight.
This feature is available as part of the Advanced Controlling module.
Supported card types
Merchant category and time restrictions are available on all Moss card types except merchant cards:
Physical cards
Virtual cards
One-time cards
Project cards
Merchant category restrictions
You can choose to either:
Only allow specific merchant categories (e.g. fuel, hotels)
Not allow selected categories (e.g. alcohol, gambling)
This lets you tailor card usage to its intended purpose, for example, fuel-only cards for field teams or travel-focused cards for project leads.
To apply a category restriction:
Open the card creation or edit screen.
Under Spend controls, toggle "Merchant category restrictions".
Choose the restriction type.
Select one or more merchant categories.
Save your changes.
See a full list of categories here.
Time-based restrictions
You can also define when a card can be used by setting:
Days of the week (e.g. Monday to Friday)
Time of day (e.g. 09:00–18:00)
Time zone (e.g. Europe/Berlin)
Use this to limit usage to working hours or block spend outside business days.
To set time restrictions:
Open the card creation or edit screen.
Under Spend controls, toggle "Time & date restrictions".
Select the applicable days and times.
Choose a time zone.
Save your changes.
Example setup
List of merchant categories
Advertising & Marketing |
Airlines, Car rental and lodging |
Alcohol & Bars |
Books & Newspapers |
Charity |
Clothing |
Cloud Computing |
Clubs & Memberships |
Digital goods |
Education |
Electronics |
Entertainment |
Fuel & Gas |
General Merchandise |
Government Services |
Insurance |
Internet & Phone |
Legal services |
Medical |
Office supplies & cleaning |
Other travel expenses (misc) |
Parking |
Political Organizations |
Professional Services, Consultant / contractor |
Public Transport |
Religious Organizations |
Restaurants |
Shipment, Freight, Moving and Delivery Services |
Streaming Services |
Supermarkets & Grocery Stores |
Taxes & tax preparation + Fees, licenses, and taxes |
Taxi & Rideshare |
Toll & bridge fees |
Utilities |