business-subpage-hero-cropped-1920w-new

MOCA provides four categories of cards for business - a check card, stored value cards, credit cards, and a gift card. All MOCA Cards can be either virtual or physical.

All MOCA Cards come with real-time transaction alerts, an extensive set of card controls, and the ability to turn your card on and off on demand. MOCA Cards also let you set spending limits by transaction, day, week, and month, set geographic restrictions, and block merchant categories. In addition, you can lock any MOCA Card down to a single merchant for online transactions, among other things. All MOCA Cards can also be controlled and monitored through your phone with MOCA Mobile or your computer with our desktop app.

The MOCA Premier, Purchase, Prestige Payroll, Cash, Apex, Access, Ambassador, and Envoy Cards also feature an encrypted EMV chip, are contactless, and are compatible with all the popular digital wallets, such as Apple Pay, Google Pay, Samsung Pay, LG Pay, Garmin Pay, and Fitbit Pay.

MOCA Premier Business Prepaid Card

A MOCA Premier Business Prepaid Card is MOCA’s primary card for business and takes the place of your company debit card. MOCA Premier Business Prepaid Cards are linked to your business checking account and automatically top off funds as needed to fund transactions. MOCA Premier Business Prepaid Cards can also be used in stores, online, in a digital wallet, or to get cash from an ATM or cash back at a merchant terminal.

MOCA Purchase Card

A MOCA Purchase Card is for departments or employees, such as salespeople, to be used in lieu of expense reimbursements. It is a reloadable prepaid card that allows the business to monitor transactions in real-time and even control when, where, and how the card is used. Load an employee’s or department’s monthly expense budget on the card and stop worrying about end-of-month expense surprises. Photos of receipts and other documents can also be attached to transactions, which post in your MOCA Statement, and a business can block, cancel, or recall the funds on a MOCA Purchase Card at any time.

MOCA Prestige Payroll Card

A MOCA Prestige Payroll Card is made for paying wages to employees and contractors - eliminating the need for checks. MOCA Prestige Cards can be used anywhere Visa is accepted and can be used by your employees in stores, online, in a digital wallet, or to get cash from an ATM or cash back at a merchant terminal. More convenient for you and better for your employees. A win-win.

MOCA Cash Card

A business doesn’t create and issue a MOCA Cash Card to someone directly. Instead, when a business sends money through MOCA’s real-time MocaMoney, the payee can elect to receive the funds on a virtual or physical MOCA Cash Card. It takes the place of checks or cash. It is a reloadable prepaid card, but unlike the MOCA Purchase Card, the business cannot monitor transactions or control when, where, or how the card is used. The recipient can use their MOCA Cash Card in stores, online, in a digital wallet, or to get cash from an ATM or cash back at a merchant terminal and can reload the card if desired. Make cash and checks a thing of the past. Use MocaMoney to send the payment and let the payee choose a MOCA Cash Card instead.

MOCA Apex Card

A MOCA Apex Card is similar to a Premier Business Prepaid Card, but it is linked to your business line of credit instead of your business checking account. It is an access device for your business line of credit and automatically tops off funds as needed to fund transactions. MOCA Apex Cards can also be used in stores, online, in a digital wallet, or to get cash from an ATM or cash back at a merchant terminal.

MOCA Access Card

A MOCA Access Card is also linked to your business line of credit. It is a card you give to departments or employees that allows the business to set daily, weekly, or monthly spending limits – all drawn from your business line of credit. The business can also monitor transactions in real-time and even control when, where, and how the card is used. Photos of receipts and other documents can be attached to transactions, which post in your MOCA Statement, and a business can block or cancel a MOCA Access Card at any time.

MOCA Ambassador Business Credit Card

A MOCA Ambassador Business Credit Card works like most other credit cards, only better. In addition to earning your business unlimited cash-back rewards, you can control your Ambassador Business Credit Card through our desktop or mobile app. Real-time transaction alerts come standard, including an immediate card-off option. An Ambassador Business Credit Card also allows you make one-time or recurring payments to vendors and attach receipts or other documents to every transaction. Even better, an Ambassador Business Credit Card lets you self-issue Envoy Business Credit Cards to employees or departments on demand while setting the daily, weekly, or monthly spending limit. Security, convenience, and unlimited cash-back rewards are just some of the things that make the MOCA Ambassador Business Credit Card the smart choice for your business.

MOCA Envoy Business Credit Card

A MOCA Envoy Business Credit Card shares the credit limit on your Ambassador Business Credit Card. It’s a card your business self-issues to employees or departments while designating a portion of the Ambassador Business Credit Card’s credit line as the Envoy Business Credit Card’s daily, weekly, or monthly spending limit. That’s right. You set the credit limit on the Envoy Business Credit Card so say goodbye to end-of-month expense surprises. Your business can also monitor transactions in real-time and even control when, where, and how the card is used. Receipts or other documents can be attached to transactions, and the business can block, cancel, or recall the credit limit on an Envoy Business Credit Card at any time. The card also earns unlimited cash-back rewards for your business when an employee uses it.

MOCA Appreciation Card

A MOCA Appreciation Card is MOCA’s business version of a gift card. Like all MOCA Cards, MOCA Appreciation Cards can be virtual or plastic. You may want to use MOCA Appreciation Cards for special occasions or achievements. Recipients can use these cards anywhere Visa is accepted but can’t use them to get cash from an ATM or cash back at a merchant terminal. Like all gift cards, a MOCA Appreciation Card has a maximum value of $1000.