I'm a business and I want to...
I'd love to stop writing checks to our vendors...
MOCA makes writing checks to vendors a thing of the past. Need to pay a vendor? Use MOCA’s real-time MocaMoney feature. Your vendor can conveniently accept your payment on a virtual or physical reloadable MOCA Cash Card. They can use their MOCA Cash Card in stores, online, in a digital wallet, or to get cash at an ATM or cash back at a merchant terminal. The next time you use MocaMoney to pay that vendor, the payment will automatically be added to their MOCA Cash Card. It’s that simple!
Just so you know, if you need to make recurring payments or schedule payments, MocaMoney lets you do that too!
I'd like to pay some of our bills online...
That’s simple with your MOCA Card. Just go to the biller’s website and enter your card information into the biller’s payment form like you would with any other card. You will likely earn rewards for that transaction too! If you want an extra layer of security and accountability, create a virtual card for all your online payments or even for each online payee. You can leave that card “off” until it’s time to pay bills or you can lock a virtual card down to a single merchant or vendor for online purchases. Now if you need to know how much you have paid a particular payee, just view or download the transactions for that particular vendor’s card.
I don't like making advances to my employees...
We understand. That is why we created the MOCA Team Business Card. MOCA Team Business Cards are reloadable prepaid cards that you can monitor. Simply issue a virtual or physical MOCA Team Business Card to any employee or department and add their monthly budget onto it. Now, each time they make a business purchase, it comes off the card, and they can attach a receipt to each transaction.
You can also monitor transactions in real-time and set up card controls, such as when the card can be used and how much can be spent. You can block, cancel, or recall the funds on a MOCA Team Business Card at any time as well. The card holder will be told their transactions can be monitored, but a MOCA Team Business Card provides convenience to your employees and visibility and control to your business. A win-win.
I want to be able to pay anyone, anywhere, anytime...
Of course MOCA let’s you do that. Just use MOCA’s real-time MocaMoney on MOCA Mobile or our MOCA desktop app. All you need is a MOCA Premier account and the recipient’s email address. Access MocaMoney, choose or add your recipient, and tell MOCA how much money to send. It’s that easy.
Just so you know, if you need to make recurring payments or schedule payments, MocaMoney lets you do that too!
I'd like to transition to Payroll cards for my employees...
MOCA lets you do that but check with your financial institution first. Not all financial institutions are offering MOCA Prestige Payroll Cards. If your financial institution does offer MOCA Prestige Payroll Cards, you can self-issue them to all your employees. So instead of issuing checks, simply add your employees’ wages to their MOCA Prestige Payroll Cards each pay period. More convenient and less paperwork for you and your employees will have a card to use in stores, online, in a digital wallet, or to get cash at an ATM or cash back at a merchant terminal. MOCA Prestige Payroll Cards for the win!
I don't want to have to worry about card fraud...
MOCA Premier Business, Team Business, and Prestige Payroll Cards come with an encrypted EMV chip and contactless capabilities for added safety, but MOCA Cards have additional security features most other cards don’t.
First, you get real-time transaction alerts so if anything unusual arises you will know about it and can block your card immediately. You can also keep your card “off” by default and turn it on through MOCA Mobile or the desktop app on demand whenever you want to use it. Next, you can create as many virtual cards as you like and lock them down to a single merchant or vendor for online transactions. That’s right, one unique card number per vendor.
Finally, some people say digital wallets are more secure because they send a “token” through the merchant terminal and never send your actual card data. All MOCA Cards with the exception of Gift Cards are compatible with all the popular digital wallets - Apple Pay, Google Pay, Samsung Pay, LG Pay, Garmin Pay, and Fitbit Pay. Explore all your MOCA Card has to offer. We are sure you’ll be pleased.
I want to earn rewards on my purchases...
Who doesn’t? Unlimited cash-back rewards come standard with a MOCA Premier Account. Unlike other debit card rewards programs, we don’t cap what you can earn each month. Keep using your MOCA Premier Business Card and keep earning. You can also self-redeem rewards at any time and in any amount. If that is not enough, you don’t just earn rewards on your MOCA Premier Business Card purchases, your business also earns rewards on all the MOCA Team Business Card purchases made by your employees. That will really add up.
I want to self-issue virtual cards that meet my business needs...
With MOCA you can self-issue as many virtual cards as you want. All of our cards can be virtual, so feel free to create a virtual card for whatever purpose fits your business needs. Online purchases? Create virtual Cash Cards for each vendor and keep the card “off” or only load the card when you are making a purchase. Cards for employees? Create a virtual or physical Team Business Card, give it to an employee or department, load their monthly expense budget, and eliminate end-of-month expense surprises. With MOCA you are in control.