Blog | Moov

The beginner’s introduction to card issuing

From a consumer’s perspective, debit and credit cards are relatively straightforward. You sign up for a card, and you use that card to pay for goods or services – either with money directly from your account (for debit card purchases) or with borrowed money that you’ll pay back (for credit card purchases).

Just launched: Monetizing transfers

I learned a valuable lesson as a young product manager years ago that transitioning your product from a cost center to a profit center for your customers changes the dynamic of your relationship with them.

Announcing the 2022 fintech_devcon conference

We’re excited to announce that our flagship developer conference is back and ready to bring together builders in 2022. fintech_devcon started as a way to democratize fintech knowledge across payments, compliance, finance, and more.

Just launched: Transfer groups

Moov’s mission is to make it easy for applications to accept, store, and disburse money. Transfers in Moov are instructions to move money between source A and destination B.

How we built docs.moov.io

It’s been said by many that “docs are the product” and that “docs are the most important part of the product.

Why I joined Moov: Ryan Howe

The final year of a pre-med degree isn’t the best time to realize you don’t want to be a doctor.

Product • 4m

Just launched: Moov Drops

If you’ve ever created an onboarding flow, you know how complicated it can get. It seems simple at first, but handling every failure state is tedious.

Optimizing communication in distributed services

Performance, reliability, and maintainability are essential elements of everything we build here at Moov. In design discussions, we pay particular attention to how our services are defined and how information moves between them.

Mark Alexander

Principal Backend Engineer

Culture • 6m

Why I joined Moov: Seth Livingston

Truth be told, my story isn’t like some of the other stories shared by my team members. For starters, I found Moov the same way most people find a new job.

Just launched: Dashboard metrics, transfer webhooks, and MX integration

Even though we push to production every day at Moov, there’s nothing quite like publishing the changelog and seeing the complete list of what’s gone out.

Culture • 7m

Why I joined Moov: Steve Nigri

Chaucer was right; life is a lot like the Canterbury Tales. If you haven’t read the stories, the takeaway is that life is more than just a pilgrimage; it’s about the people you meet along your journey.

Moov makes esteemed 2022 best places to work awards

We can’t think of a better way to start the new year. Moov made Colorado’s renowned Best Places To Work list for 2022.

5 lessons learned from building a KYC system

For those uninitiated in the alphabet soup of terminology that fintech serves for lunch daily: KYC refers to the process of Knowing Your Customer.

Why I joined Moov: Komal Long

I owe my personality to my dad. I watched him become an entrepreneur and open his very own computer store.

An interview with Anuhya Challagundla: 2021 fintech_devcon student scholarship winner

Just launched: Test mode

Whether you’re a developer, product manager, or just a curious builder exploring our money movement platform, one thing is critical as you get going: the ability to play, interact, and test—quickly.

Culture • 5m

Expressing gratitude at Moov

The end of the year is fast approaching, and it’s time to pause and reflect on our immense gratitude. Let us share some of the things for which we are thankful.

Janell Yancey

Senior Manager of Brand Storytelling

Culture • 7m

Why I joined Moov: Chris Calkin

Most internships lead to full-time jobs, not detainment by the UK authorities, followed by an 8-hour interrogation and deportation.

Company • 3m

Moov joins Plaid payment partner ecosystem

I’m happy to announce that Moov has joined Plaid’s payment ecosystem to help bring faster, more secure payment experiences to every digital financial interaction.

Culture • 9m

Why I joined Moov: Adam Shannon

Growing up, I was unable to talk. Speaking was difficult for me because of a severe stutter. Imagine being excited to share something with your friends, family, or bullies, but then your throat collapses in and completely locks.

Company • 6m

We caught up with Anuhya Challagundla, a computer science student and fintech_devcon 2021 scholarship winner, to talk about her experience attending the inaugural event.

COVID-19 and the adoption of RTP

The COVID-19 pandemic has forced us to re-examine daily life as we knew it. Because of this shift, fresh opportunities for innovation surfaced in many different sectors.

Culture • 7m

Why I joined Moov: Carrie Dolan

Life has a funny way of trying to fit people into similar molds. The human brain makes sense of the world through order, so when square peg people don’t fit into the round holes of society, things get uncomfortable.

Culture • 6m

Why I joined Moov: Scott Wittrock

Be an architect—that was the result of my high school career aptitude test. That short, generic quiz somehow felt so official, but it failed to teach me anything about myself.

Your SWIFT/BIC code cheat sheet

Founded in 1973, the SWIFT (Society for Worldwide Interbank Financial Telecommunication) network connects more than 11,000 financial institutions around the globe, enabling reliable wire transfers in a secure environment.

Nathan Lakritz

Open Source Technical Writer

Company • 3m

What everyone is saying about fintech_devcon

When we announced we’d be hosting fintech_devcon, we made it clear: this is not a Moov product event. No pitches are happening at this conference.

Your guide to the Moov ACH Gateway

The Moov ACH Gateway is a customizable payment gateway that enables automated ACH operations including file uploading and downloading. When paired with our test harness, which acts as a financial institution, achgateway serves as the final puzzle piece for ACH transactions.

A collection of awesome open source fintech projects

From currency converters to invoicing tools, the world of open source fintech is overflowing with interesting projects. We’ve put together a curated list of our favorites and hope you’ll add projects you love too.

Company • 1m

Now accepting applications for fintech_devcon’s diversity scholarship

Our commitment to creating a diverse culture in fintech development. fintech_devcon is the first-ever fintech developer conference. Our vision is to bring together like-minded developers and increase the voices heard throughout the financial technology space.

Graham McBain

Technical Community Manager

Culture • 5m

Why I joined Moov: Josh Sadler

Not many people can say that the Scholastic book catalog set their entire career in motion. While other fourth-graders chose books like Animorphs and Goosebumps, I decided to purchase an HTML book for kids.

Your guide to the Moov ACH Test Harness

The Moov ACH Test Harness project provides a configurable FTP/SFTP server to replicate real-world ACH file transfer scenarios like returns and changes.

Company • 5m

5 reasons to attend fintech_devcon

After announcing fintech_devcon earlier this year, we’ve been blown away by the positive response. Not only are developers eager to finally attend a conference dedicated to them, but it’s exciting to see that people are ready for in-person events again.

Your guide to the Moov Watchman API

The Moov Watchman project provides search functionality over U.S. trade sanctions lists, including individuals, groups, and companies legally forbidden to transact with.

Culture • 6m

Why I joined Moov: Logan Hendricks

If you were to ask a software developer about their professional background, chances are they’d explain a traditional career path.

Your guide to the Moov Metro2 API

The Moov Metro2 project offers an API with several operations for Metro 2 credit reporting files, including bidirectional conversion between plaintext and JSON formats.

Why I joined Moov: Joel Tosi

Why did I join Moov? Well, it all started back in 2001, when a much younger Joel Tosi entered the payments world with a head full of hair and a heart full of childlike idealism.

Your guide to the Moov Fed API

The Moov Fed project provides search functionality over Fedwire and FedACH participant data, which includes financial institution routing information.

Your guide to the Moov ACH API

The Moov ACH project includes an API with several operations for ACH files, including bidirectional conversion between plaintext and JSON formats.

Why I joined Moov: Aaron Bell

A few years ago, a fintech company came to me with a formidable task. “We’d like you to build a new product in four months,” they said, straight-faced and so matter-of-factly that the engineer in me felt an exciting adrenaline rush followed by a pragmatic gag reflex.

Your guide to the Moov Wire API

The Moov Wire project offers an API with several operations for Fedwire messages, including bidirectional conversion between plaintext and JSON formats.

Developers want better user experiences, not to become payment experts

Developers don’t want payments, and they don’t want Elasticsearch. They want a better user experience for their users. They want the experience we have all come to expect from Uber (payments) and Google (Elasticsearch).

Your guide to the Moov ImageCashLetter API

The Moov ImageCashLetter project features an API with several operations for X9 files, including bidirectional conversion between ASCII/EBCDIC and JSON formats.

A short intro to ACH payments

In this post, we explain what an ACH payment is, who the key players involved are, and provide resources for getting started accepting ACH payments.

Culture • 3m

Why I joined Moov: Jared Jones

In 2014 I had the privilege of joining a small San Francisco-based fintech startup. I worked with some incredible people, and we achieved impressive results along the way.

Culture • 5m

Hard on the issues, easy on the people

I will judge my success at Moov based on the experiences of my employees. Not how many people we hire, how much money we raise, or how many dollars we move through our platform.

The beginner’s guide to real-time payments

Real-time payments (RTP) is a payments network owned by The Clearing House (TCH). RTP enables 24/7 real-time electronic payments in the US, meaning you can transfer and receive funds immediately over its network at any time.

Why I joined Moov: Vince Xiao

My path to working at an embedded payments startup isn’t as straightforward as I would’ve hoped. In college, I studied finance and computer science with the singular goal of joining a big hedge fund as a programmer.

How Moov’s OSS libraries fit into a fintech app’s stack

The number one question I get about regarding the Moov open source libraries is, “How do these fit into my application stack?

Culture • 2m

Why I joined Moov: Josephine Roh

Edtech. Fintech. B2B consulting. I’ve dabbled in several different industries, but I’ve always found ways to incorporate writing into my previous roles, from customer success to UX research and analytics.

Education • 8m

The art of maintaining an open source project

The world of open source software (OSS) is booming. OSS dependencies live in every corner of the digital products we use daily, yet many projects lack a reliable maintenance and contribution plan.

Company • 2m

Moov joins the U.S. Faster Payments Council

We are thrilled to announce that Moov Financial has joined the U.S. Faster Payments Council (FPC), a membership organization dedicated to advancing faster payments in the United States.

Company • 2m

Why we’re hosting fintech_devcon

The fintech developer community has exploded. While the growth has been happening for a while, 2020 saw an exponential expansion.

Company • 3m

Announcing Moov’s $27M Series A round

We started Moov in 2017 to lend a trusted hand to developers building or integrating financial products. After more than 15 years of experience developing digital banking solutions, core banking, and payments, we knew that banking infrastructure could be better.

FinCEN leaks and customizable banking with Simon Taylor and Cokie Hasiotis

Last week we hosted two conversations for the Moov community. The famous Cokie Hasiotis from Fintech Today joined us for happy hour.

Education • 7m

Lessons on building a challenger bank with Zach Bruhnke

We recently welcomed Zach Bruhnke the CEO/Janitor at HMBradley to be a speaker at our Moov weekly happy hour. Zach is a longtime member of the Moov community and fintech veteran.

How and when to use the Moov ACH library

How and when to use the Moov ACH library The Moov team was founded by industry veterans who have been dealing with legacy technology for decades.

August recap of Moov community working groups

The recap This month marked the first meetings of the Moov ACH and ICL working groups. Our first of many ongoing monthly meetings where community members come together and discuss how we can improve our open source projects.

How to build a Nacha compliant ACH file in Nodejs and Typescript

Getting started Building ACH files is no small task. The sheer number of fields required is enough to make your head spin.

Announcing Moov’s $5.5 million seed round

Today, the news of our $5.5 million seed round became public! All of us at Moov have been looking forward to this day for a while, and we’ve internally referred to it as Moov-ing day.

Making Moov

First of all, hi, we’re Moov. We’re a new company with a mission to bring joy to developers tasked with building on top of the United States banking and payments infrastructure.

Education • 2m

Contributing to Moov open source docs (part 2)

In Part 1 we covered how to update our README and GitHub Pages documentation. In this article, we’ll map out how to quickly and easily suggest changes to our API documentation.