Pay with Moss enables you to pay supplier invoices and employee reimbursements directly through the Moss platform using your Moss wallet balance, streamlining payment workflows with bulk actions, with secure 4-eye authorisation, and the ability to sync payment data with your accounting software for accurate reconciliation.

Follow our guide for setting up Pay with Moss, which includes how to manage the payments workflow as well as exporting payments to your accounting software. With this guide you'll be ready to get started making payments.

Pay with Moss allows you to pay suppliers and employees with instant domestic bank transfers.

Pay with Moss allows you to pay supplier invoices and employee reimbursements globally, optimising for local payment rails whenever possible over SWIFT for faster clearing and more efficient payment fees.

Payment fees are applied to specific countries and currencies depending on whether SWIFT or local payment rails are used, as well as the standard FX fee (which may also be outlined in a customer quote). The full list of payment fees can be found in the Pay with Moss Fee Schedule during onboarding and it is linked on the Payments tab.

At Moss, we ensure businesses can move money efficiently across borders without unnecessary costs. By leveraging local payment rails whenever possible, we reduce transaction fees and accelerate payment speed.

Through our partnership with Airwallex and its global banking network, Moss enables payments via local rails in supported currencies and countries. This significantly cuts fixed costs compared to traditional cross-border methods like SWIFT.

Example of payments via local rails:

✅ GBP → UK payee (Faster Payments)

✅ USD → US payee (ACH)

✅ EUR → EU SEPA countries (SEPA Credit Transfer)

Note: Local payouts require the recipient’s local bank account details.

SWIFT is one of the most widely used systems for sending cross-border payments, acting as a messaging network that facilitates the communication between banks globally, allowing for international wire transfers to be processed through its system and intermediary banks. However, SWIFT transactions typically come with higher fixed costs due to intermediary bank fees.

Moss automatically selects SWIFT when a payment is made in a currency that differs from the recipient’s local account currency—ensuring full international reach.

Examples of SWIFT transfers:

✅ EUR → Swiss account

✅ USD → Hong Kong account

✅ USD → UK account (when the recipient specifies IBAN & SWIFT/BIC details)

Transparent Fees: Moss applies the “OUR” SWIFT fee structure, meaning the sender covers all transaction costs—ensuring the recipient gets the full amount without unexpected deductions.

International payments via local rails are possible to the countries and currencies listed on the table below through convert & send. Other combinations of country and currency are possible as a SWIFT cross-border transfer.

Note that payments to the following countries will incur an additional tax collection required by local authorities:

The tax collection amount will not be collected from your wallet immediately, but will be charged by Moss accordingly once it is incurred and processed, as the local banks of the beneficiaries take additional time to process this with the local tax authorities.

Moss leverages Airwallex global payments infrastructure to enable payments for supplier invoices and employee reimbursements from your Moss wallet to over 70+ countries and currencies with state of the art payments infrastructure.