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 Debit Card. They can use their MOCA Cash Debit 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 Debit 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 Purchase Card. MOCA Purchase Cards are reloadable prepaid cards that you can monitor. Simply issue a MOCA Purchase 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 Purchase Card at any time as well. The card holder will be told their transactions can be monitored, but a MOCA Purchase 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 Payroll Debit Cards. If your financial institution does offer MOCA Payroll Debit Cards, you can self-issue them to all your employees. So instead of issuing checks, simply add your employees’ wages to their MOCA Payroll Debit 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 Payroll Debit Cards for the win!

I don't want to have to worry about card fraud...

MOCA Premier Business Prepaid, Purchase, and Payroll Debit 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 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 Prepaid 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 Prepaid Card purchases, your business also earns rewards on all the MOCA Purchase Card purchases made by your employees. That will really add up.

NOTE: Only non-PIN transactions earn rewards. If you use your PIN, you won’t receive any rewards on that transaction. So always select the “No PIN” option if it is available. If not, just press “Enter” if a terminal asks for a PIN, or choose “Credit,” or do a signature transaction. Occasionally, it may be necessary to choose “Cancel” to bypass the PIN requirement, so try that as a last resort. Make sure your employees know this as well. You want rewards on those MOCA Purchase Card transactions too!