October 14, 2022 | 5 min read

Innovative partnerships are enabling international growth


Established with a mission to bring efficiencies to SME expense management, German fintech Moss has taken but a couple of years to demonstrate an admirable ability to introduce modern B2B financial technology to new European markets. Recently, this fast-growing business chose Marqeta as its issuer processor partner for the UK, thanks to our commitment to digital innovation. To find out a bit more about their story so far, we asked the Moss operations team to write down a few words.

Here’s what they had to say…

Explaining Moss’s journey from Germany to the Netherlands, and beyond

Moss co-founder and COO Stephan Haslebacher says, “Our international expansion journey has been a measured process and has involved leveraging our deep knowledge of our home market to start moving to nearby regions that resemble Germany’s financial infrastructure and spending habits.

Having researched some of the challenges of moving to new regions, we decided to launch in the Netherlands, a fellow EU member but something of a departure from our comfort zone.

For us, the Netherlands represents a key market thanks to its focus on innovation as a way of improving financial processes within businesses. This market also showed us what other changes we would need to think about in terms of adapting our product, messaging and processes to best support a differentiated market.

Within just six months of our first international launch, we moved on to the UK. The UK not only encourages innovation within the fintech space, but is also considered the global fintech hub.

In order to establish ourselves as one of the leading innovators within the sector, the UK launch has been essential to understanding how we can play in wider markets and what it takes to succeed there.”

How partnering with Marqeta unlocked rapid expansion

Haslebacher goes on to say, “When looking for a partner to help build out our platform we had several things in mind. Beyond meeting our short-term feature requirements, the partner’s long term vision as a provider and the markets they could service were particularly important.

Long-term impact matters because a partner needs to support innovation alongside us, helping us to continue delivering a modern and easy-to-use solution to our customers. Marqeta enables us to move at a fast pace to deliver a best-in-class experience to our customers, and this aligns perfectly with Moss’s vision.

Key benefits that help support our expansion include:-

Modern system

Marqeta enabled us to rapidly add cards to our product without lengthy processes. Designed to power innovation, Marqeta’s solution makes it easy for our team to build unique card-related value propositions within the Moss platform, all while ensuring a high degree of flexibility and speed. We are confident that as the fintech industry continues to evolve, Marqeta will evolve with it, keeping us at the forefront of technological changes and giving us the longevity to continue our expansion smoothly.


Being able to test card programmes including transactions before setting them live with our customer base is crucial to our expansion process. We’re able to make sure our product localisation efforts do not impact our customers’ overall experience, and that our product works as it should on day one, allowing us to deliver a highly reliable payment experience in every market.

Multi-market presence

Marqeta is already active in the markets to which we have expanded, enabling us to build out our proposition with ease. Instead of taking months, or even years, to set up our product for a new market, it takes only days with Marqeta. One of the biggest assets we’ve received from Marqeta is the team. Together, we’ve developed a platform that meets EU market expectations, and we are poised to lead technical innovation in the fintech space. We are jointly focussed on breaking into new tech spaces and providing innovative solutions to our customer base, a valuable element of our relationship.”

What the future looks like for Moss and Marqeta

When it comes to the future, Haslebacher is confident that the partnership with Marqeta will continue to go from strength to strength: “Marqeta has made our international expansion journey simple, and we’re pleased with how our ambitions to continuously innovate align fully.

Our partnership is key in enabling us to fulfil our mission of elevating the financial backbone of the SME economy in Europe and beyond.

This partnership is critical, as we plan to leverage the learning from the UK to not only boost growth in this market but to inform our ambitious international expansion plans.”


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