Blog on The future of payments, built for technical teams | Moov

A tap to get paid: Apple Pay & Google Pay for disbursements

Fri, 15 May 2026 00:00:00 +0000

Sending money is the easy part.

Getting your recipient to accept it, with their card details typed correctly, on a device that works, in a way they trust enough to actually finish? That’s where most disbursement programs quietly bleed time, support tickets, and goodwill.

How we made payment links faster

Wed, 11 Feb 2026 00:00:00 +0000

Every millisecond matters when someone is about to pay you. When a customer lands on a payment page, they’re making a snap judgment before they ever click “Place Order.” Does this feel safe? Is this legitimate? That judgment starts with how fast the page loads. Users start wondering if their payment is secure, if the business behind the page is real, and whether they’ll actually get what they paid for.

Multiple wallets: Flexible fund management for growing businesses

Fri, 24 Oct 2025 00:00:00 +0000

At Moov, we’re committed to helping businesses move money faster, smarter, and with greater flexibility. As our customers scale, we’ve seen firsthand how their fund flow requirements evolve—and how quickly manual workarounds can become bottlenecks. We’re excited to announce the launch of multiple wallets, a new way for platforms and businesses to organize, track, and manage funds with precision.

Type-safe XML processing in Go: A modern approach with generics and design patterns

Tue, 24 Jun 2025 00:00:00 +0000

Processing XML in Go has traditionally involved repetitive code, runtime type assertions, and complex validation logic. Modern Go applications demand better: type safety, maintainability, and performance. I want to explore how Moov’s wire20022 library demonstrates a comprehensive approach to XML processing using Go generics, embedded structs, factory patterns, and idiomatic interfaces.

Hosted onboarding: Built for faster activation

Wed, 14 May 2025 00:00:00 +0000

Let’s talk about a pain point. You’ve built a solid product. You’re ready to add users. And then…onboarding.

Product release roundup: 2024

Tue, 07 Jan 2025 00:00:00 +0000

Now that 2024 is a wrap, it’s incredible to look back at all we’ve accomplished. Last year was about pushing boundaries, listening to our users, and delivering tools and features that make financial services more accessible and intuitive. From new payment capabilities to stunning new user interfaces, we’ve shipped features that empower businesses to move billions of dollars.

Hey banks, let account holders fund accounts with a debit card

Thu, 05 Dec 2024 00:00:00 +0000

When you open a new bank account, there’s usually one dominant emotion driving that decision: frustration. You’re fed up with your current financial institution. Maybe your account was mishandled, or you didn’t like the fees, or perhaps your bank just wasn’t meeting your needs. So, you decide to open a new account somewhere else.

How Moov enables easy push and pull card payments

Mon, 02 Dec 2024 00:00:00 +0000

Instant is becoming the new standard for virtually everything—including money movement. And it’s not just a matter of convenience. The ability to transfer and access funds in near-real time, 24/7/365, can solve cash flow challenges and open up new payments use cases and business models.

What to expect at fintech_devcon this year

Thu, 25 Jul 2024 00:00:00 +0000

As we approach our fourth year, fintech_devcon continues to redefine the conference experience. Founded on the vision of creating a relaxed, educational environment free from sales pitches, our event focuses on what truly matters: the developers shaping the future of fintech.

How Moov is changing lender-to-contractor disbursements

Thu, 06 Jun 2024 00:00:00 +0000

Moov is saving a lender a million dollars a year, but they’re thanking us for something else.

Before I tell you what that is, let me share a little story.

Intro to multi-rail disbursements

Thu, 30 May 2024 00:00:00 +0000

Payments are mission-critical for SaaS companies, and their customers expect multiple payment options. But offering more than one payment rail means orchestrating multiple systems from numerous vendors. This requires significant engineering resources—which many businesses can’t spare.

How Moov approaches setup and testing

Tue, 21 May 2024 00:00:00 +0000

When architecting payment solutions, rigorous and extensive testing is not just beneficial, it’s imperative.

In November of last year, a significant Federal Reserve processing glitch impacted around 900,000 payment transactions across three major US banks. What’s worse is it occurred on a payday, disrupting the direct deposit of wages and resulting in widespread inconvenience and stress.

Focus on lending, not payments providers

Wed, 15 May 2024 00:00:00 +0000

Lending is hard.

As a lender, you’re riding the ups and downs of interest rates, trying to mitigate risk, and dealing with numerous things that have nothing to do with underwriting loans.

Data Sync: Fast, flexible access to payments data

Thu, 11 Apr 2024 00:00:00 +0000

Moving money is moving data.

So, when Moov enables payments across all the major rails, what we’re really doing is creating a single source of truth for all that data. Receiving, sending, and storing; through card, ACH, RTP, and most everything else—it’s all in there.

Enabling choice & simplicity in debt repayment

Tue, 27 Feb 2024 00:00:00 +0000

Late payments are a real problem—for borrowers, lenders, service providers, and the entire economy. The World Bank estimates that they cost the global economy more than $40 billion a year. There are a lot of reasons for late or missed payments—from cash flow issues, inaccurate or confusing invoicing, or just forgetting a due date.

What the next generation of payments looks like

Wed, 21 Feb 2024 00:00:00 +0000

I’ve never been more excited about payments than I am today.

Admittedly, after twenty years in the fintech and payments industry, I’ve seen a lot of the same problems over and over. Payments veterans have wrestled with the same challenges and heard a lot of empty hype about the “next generation” of [insert thing here] that was going to solve everything but didn’t.

How fintech_devcon creates community and opportunity

Fri, 16 Feb 2024 00:00:00 +0000

My path to fintech_devcon was far from typical.

I could never have predicted where I’d end up—founder, CEO, speaker at fintech conferences. None of this was anywhere close to my radar when I was a kid, but here I am. This isn’t a brag, but I’m bringing this up as encouragement, maybe even inspiration. And to let you know that it is possible to find a supportive community, and to maybe even give you the courage to speak at fintech_devcon—because it’s a safe space for speakers from all backgrounds.

Why precision matters in payments ledgering

Mon, 18 Dec 2023 00:00:00 +0000

You’ll never hear an accountant (or an engineer, for that matter) say, “That’s probably close enough.”

When you’re dealing with financial transactions—or building a system to record and handle them—precision matters. If you keep an eye on Moov’s changelog—where we post new products, features, and improvements—you might’ve noticed updates to the precision of our ledger. We upgraded transfers, wallet transactions, and wallet endpoints to handle additional decimal places: up to nine decimal places to be exact (because, again, precision matters).

Dear builders: A thank-you letter to the Moov community

Fri, 15 Dec 2023 00:00:00 +0000

I’ve always considered myself a software engineer by craft and an entrepreneur by accident. I never planned to end up in fintech, and I certainly never envisioned myself at the helm of a company like Moov. Technology has always been a passion of mine, and even as a CEO, I’m answering technical questions in our Slack community or commenting on pull requests on GitHub asking for test cases.

Why fintech_devcon is the only conference I attend

Mon, 04 Dec 2023 00:00:00 +0000

I have more than a decade of experience in engineering and data analysis. I’ve been the Lead Data Engineer at iDENTIFY, working in the fintech and banking space, for over four years. I pretty much live, eat, and breathe financial technology. But I don’t attend fintech conferences.

How to engage engineers in a fully remote company

Mon, 27 Nov 2023 00:00:00 +0000

From day one, Moov’s co-founders set out to make our organization remote-first. While they knew it would be a challenge, they believed it could help make Moov one of the best places anyone has ever worked. While there are a lot of advantages to being fully remote—from work-life balance and flexibility to recruiting talent from virtually anywhere—it can also make it harder for teammates to feel connected.

How to think about priorities and resources in a fintech startup

Thu, 26 Oct 2023 00:00:00 +0000

One of the most crucial ongoing discussions we have at Moov—and I suspect at most startups—is how to make decisions around priorities and resources.

Introducing composable Moov Drops

Tue, 26 Sep 2023 00:00:00 +0000

We’re always looking for ways to make it quick and easy to embed new payments functionality within our customers’ user experiences. Moov Drops are a perfect example of this. These pre-built UI components can be securely dropped (thus the name) into our customers’ payments experiences with very little developer lift.

Our fintech_devcon speaker lineup – Part 4

Wed, 16 Aug 2023 00:00:00 +0000

The anticipation for fintech_devcon is reaching its peak, and we’re thrilled to unveil this fourth and final speaker lineup. Once again, we’re honored to showcase the exceptional leaders and builders who will be gracing our event.

Our fintech_devcon speaker lineup – Part 3

Thu, 10 Aug 2023 00:00:00 +0000

It’s time for our third fintech_devcon speaker lineup and the fintech superstars just keep coming! We’re excited, grateful, and humbled to have so many amazing builders and leaders willing to share their expertise with the developer community.

Our fintech_devcon speaker lineup – Part 2

Tue, 01 Aug 2023 00:00:00 +0000

Our second speaker lineup is just as amazing as our first. We mean it when we say it’s truly an honor to host such distinguished speakers at our conference. When we created fintech_devcon, we did it to inspire and give back to the fintech developer community. We had no idea builders from all over the world would jump at the chance to share their valuable knowledge to level up other builders.

Our fintech_devcon speaker lineup – Part 1

Fri, 28 Jul 2023 00:00:00 +0000

We’re in the home stretch! With just a month left, the excitement is palpable as we eagerly await the fintech festivities to commence (by the way, if you haven’t joined the fun yet, there’s still time to register). While the event promises lots of opportunities for networking and fun (including an exciting after-party at Electric Shuffle with free drinks, food, and Killer Mike), we couldn’t be more thrilled about our fintech_devcon speaker lineup.

Now accepting fintech_devcon scholarship applications

Thu, 13 Jul 2023 00:00:00 +0000

Our fintech_devcon conference follows the give-first mantra inspired by the TechStars community. It means freely giving to others without expecting to get something in return. That’s why we’ve partnered with MX to open up the Give First scholarship program to improve access, participation, and engagement for all people, regardless of identity or background.

Why I joined Moov: Megan Spaulding

Fri, 16 Jun 2023 00:00:00 +0000

Here’s a core memory:

I’m about six years old, in the car with my dad, and he’s quizzing me on math. He has a master’s degree in petroleum engineering—very smart, very into math and science—so it was pretty normal for him to give me math lessons from time to time.

Why I joined Moov: Devin Beliveau

Tue, 06 Jun 2023 00:00:00 +0000

I’ve been interested in computers and technology since my family got its first Apple computer in the 90s. I spent my time creating LiveJournal themes in HTML, and being in awe of the Space Jam website (it was a very different time).

Moov is now available on Google Cloud Marketplace

Tue, 09 May 2023 00:00:00 +0000

If you’ve spent significant time working with cloud vendors, you know that whatever new feature that any one provider trots out, another can typically replicate in short order. Don’t get me wrong, there are differences—but what’s mattered the most for us hasn’t been the bells and whistles. We want a true partnership, which means working with a team that values collaboration and wants our customers to be successful.

Why I joined Moov: Henry Kivett

Thu, 20 Apr 2023 00:00:00 +0000

You know that weird, quiet kid in the back of the class? That was me. When I wasn’t nose-down in a dog-eared paperback, I was furiously writing stories in my wrinkly legal pad. Sometimes it was a sci-fi/fantasy epic, other times it was a blood-chilling tale of horror or a Twilight-Zone-ish vignette with a twist.

What a decade of transformation means for the future of payments

Wed, 22 Mar 2023 00:00:00 +0000

If I were still using paper checks, I’d write the date as 2020, because the last few years have been a blur. Somehow the world feels both suspended in time while making giant leaps in innovation at break-neck speeds. And even though I’d put Moov in the latter category, it’s easy to lose sight of the big picture when you’re chasing the goals right in front of you

What makes fintech_devcon a must-attend event?

Mon, 20 Mar 2023 00:00:00 +0000

Last year’s fintech_devcon was the first conference I’ve attended in North America. I’ve been building communities around tech startups in South Africa for almost twelve years, so I’ve visited my share of fintech events. But this one was different.

Why I joined Moov: Rah Chalmers

Fri, 10 Mar 2023 00:00:00 +0000

When I was eight years old, I discovered dance.

A little girl who wants to be a ballerina—sounds pretty typical, right?

Tips for submitting a talk at fintech_devcon

Tue, 28 Feb 2023 00:00:00 +0000

The flagship fintech developer conference is back and ready to bring builders together for a third year. The purpose of fintech_devcon is to democratize fintech knowledge across payments, compliance, finance, and more. This means we want to hear from builders like you.

Product release roundup: Feb ‘23

Wed, 08 Feb 2023 00:00:00 +0000

At Moov, we believe problem-solving should take priority over shiny new technology. While we love breaking the payments mold (in 2022, we became the only cloud-native acquiring payments Processor), we’re also laser-focused on getting the details right—down to the tiniest transactions.

Announcing Moov’s $45M Series B funding

Tue, 31 Jan 2023 00:00:00 +0000

When I started in fintech, it wasn’t commonly called fintech yet. We just called it financial services back then. In that previous life, I spent a lot of time connecting to processors, and a lot of banking cores—42 of them, if I remember right. And all those hours working on integrations got me wondering, “How do you build a modern payment stack?”

How Moov creates a top 50 remote culture

Fri, 27 Jan 2023 00:00:00 +0000

Moov just made Built In’s list of the top 50 fully remote startups to work for in the U.S. and Purpose Job’s Best Remote Places to Work in 2023, and while everyone here is thrilled that our workplace culture has received recognition for the second year in a row, it got me thinking.

Why I joined Moov: Holly Caliri

Thu, 12 Jan 2023 00:00:00 +0000

I used to tell my dad, who was a career military man, that I wanted to be a pilot. And I didn’t mean commercial or cargo flights—I wanted to fly fighter jets. The real deal.

Meet with Moov at Money20/20

Wed, 05 Oct 2022 00:00:00 +0000

We get it—planning your time at Money20/20 is like building a Disneyland itinerary; so many fintech attractions but so little time. If you’re looking for an all-in-one payments platform, consider this a FastPass in helping you decide if you should meet with our team.

Dynamic statement descriptors for a better payment experience

Wed, 14 Sep 2022 00:00:00 +0000

Statement descriptors are the text that describe transactions presented to us by our digital banking feeds (or paper statements) so that we can recognize them. Setting thoughtful and clear statement descriptors not only improves user experience through ease of recognition but can also reduce disputes.

Just launched: Card acceptance

Thu, 28 Jul 2022 00:00:00 +0000

If you’re building a SaaS platform or any sort of business where customers need to pay online, the question of how to accept card payments is a familiar one. With this in mind, we’re excited to announce that Moov has launched card acceptance.

A builder’s journey to fintech_devcon 2021

Fri, 15 Jul 2022 00:00:00 +0000

Hi, my name is Chijioke Ejimuda 👋

I’m a builder who won last year’s scholarship to fintech_devcon. If you want the short version of my experience, here it is: The conference was unbelievable. I heard from expert industry leaders, beloved developers, and inspiring new voices. I gained a renewed understanding of what was possible in the fintech space and how my developer skills could be translated. fintech_devcon was the best conference I’ve been to before. No sales pitches. No demos. Just amazing content and caring humans coming together to share knowledge and build.

How Moov thinks about engineering culture

Wed, 29 Jun 2022 00:00:00 +0000

What’s the best way to recruit phenomenal engineers? It’s not just the stock options and home office stipends (yeah, we do that, too). Engineers’ interest piques when they’re challenged. That’s why the best engineers want to attack gnarly problems.

Introducing the speakers of fintech_devcon 2022

Mon, 27 Jun 2022 00:00:00 +0000

I always wanted to host a fintech developer conference—the type where I wouldn’t have to dress up or smile for PR interviews. I just wanted a place to be myself, get inspired, and learn from like-minded people: the creators, developers, founders, and product geeks designing new technologies and bringing amazing products to market.

Now accepting applications for the fintech_devcon #JustDewitt scholarship

Thu, 16 Jun 2022 00:00:00 +0000

The vision of fintech_devcon, first-ever fintech developer conference, is to bring together like-minded developers and increase the voices heard throughout the financial technology space. We’re committed to improving access, participation, and engagement for all people, regardless of identity or background. We created the #JustDewitt scholarship to support this commitment and make the event accessible for even more developers. In partnership with MX Technologies, Inc., we’re excited to extend our scholarship to six individuals.

Why I joined Moov: Morgan Bonham

Tue, 31 May 2022 00:00:00 +0000

My design career started at the age of six when I got my first Polaroid camera. I was obsessed with taking photos, and I started out by taking a photo of every family member, friend, or stranger who would let me, as well as many portraits of the family dog dressed up in my clothes.

5 ways to improve your asynchronous systems

Tue, 17 May 2022 00:00:00 +0000

At Moov, when we design a new system, one of the first conversations we have is what communication methods it will utilize.

The beginner's introduction to card issuing

Wed, 20 Apr 2022 19:24:51 +0800

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

Mon, 18 Apr 2022 00:00:00 +0000

This post remains for historical reference. We now recommend using fee plans to monetize 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. It seems obvious, but it’s often lost on software and service providers that their product offering impacts the business model for its customers. That’s why at Moov, we’re focused on ways to help our customers grow their business with new revenue streams and simplifying the workflows of money movement.

Announcing the 2022 fintech_devcon conference

Mon, 21 Mar 2022 00:00:00 +0000

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. It’s grown into the premier place for the best minds and builders in fintech to meet, learn, and network—all without the sales pitches.

Just launched: Transfer groups

Tue, 15 Mar 2022 00:00:00 +0000

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. But what do you do when you need to accept payment from one source and disburse it to multiple destinations? How do you collect a fee from one or more of those participants? How do you make sense of all of the individual money movements from a reporting and reconciliation standpoint? And how can you chain these actions together?

How we built docs.moov.io

Mon, 14 Mar 2022 00:00:00 +0000

It’s been said by many that “docs are the product” and that “docs are the most important part of the product.” We couldn’t agree more. What good is our product if developers don’t know how to use it? And do developers tend to read the docs, or do they search and skim? We know, because we’ve been in that position ourselves.

Why I joined Moov: Ryan Howe

Wed, 02 Mar 2022 00:00:00 +0000

The final year of a pre-med degree isn’t the best time to realize you don’t want to be a doctor. While I loved helping people, actually being in the room with someone needing medical care is a whole other challenge.

Just launched: Moov Drops

Wed, 23 Feb 2022 00:00:00 +0000

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. Yet designing a solution for every scenario and edge case is paramount to a great user experience.

Optimizing communication in distributed services

Wed, 09 Feb 2022 00:00:00 +0000

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. Whether you are designing a new system or reasoning about an existing one, it’s helpful to think of it from two dimensions: the individual service definitions and the communication between them.

Why I joined Moov: Seth Livingston

Thu, 03 Feb 2022 00:00:00 +0000

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. I clicked through job listings and skimmed posts for keywords. If a role matched my basic requirements, I’d modify an existing cover letter and apply.

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

Wed, 26 Jan 2022 00:00:00 +0000

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. It feels great to start the new year strong—shipping new features that will help you work towards your roadmap goals and start building delightful payment experiences. In today’s round-up, we highlight a few new additions to the Moov platform.

Why I joined Moov: Steve Nigri

Mon, 24 Jan 2022 00:00:00 +0000

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. While I’ve had quite the trek over the years, and I didn’t get to take everyone with me, I’d like to share some of the lessons people taught me along the way.

Moov makes esteemed 2022 best places to work awards

Tue, 11 Jan 2022 00:00:00 +0000

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. We’re honored to earn No. 5 on the 100 Best Places to Work in Colorado and No. 1 on the best small places to work in Colorado.

5 lessons learned from building a KYC system

Thu, 06 Jan 2022 00:00:00 +0000

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

Thu, 09 Dec 2021 00:00:00 +0000

I owe my personality to my dad. I watched him become an entrepreneur and open his very own computer store. I spent many years there exploring computers, games, and building whatever I could. Problem solving and creativity were ingrained in my personality because of these early years.

Just launched: Test mode

Tue, 07 Dec 2021 00:00:00 +0000

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. You might find yourself in “guess and check” mode and need to see how the thing you’re building interacts with our services. This is the beauty of our new test mode—you can pound the same operation over and over until things are just right—all without sending any real money.

Expressing gratitude at Moov

Wed, 24 Nov 2021 00:00:00 +0000

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.

Why I joined Moov: Chris Calkin

Tue, 16 Nov 2021 00:00:00 +0000

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

I’d just graduated from college and landed my first, big-time internship abroad working for an investor on the British television show Dragons’ Den (the UK equivalent of Shark Tank). The prospect of working with early-stage entrepreneurs and the venture capital community was a dream come true for an entrepreneurship major. I’d sublet my apartment, sold most of my belongings, and bought my one way ticket for the next stage of my life. Yet there I sat in airport custody, huddled around my three suitcases tightly packed with everything I owned.

Moov joins Plaid payment partner ecosystem

Thu, 21 Oct 2021 00:00:00 +0000

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.

Why I joined Moov: Adam Shannon

Thu, 14 Oct 2021 00:00:00 +0000

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. I knew exactly what I wanted to say—in fact, I had rehearsed it in my head multiple times—but I was often unable to and instead went silent.

An interview with Anuhya Challagundla: 2021 fintech_devcon student scholarship winner

Tue, 05 Oct 2021 00:00:00 +0000

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. In this interview, Anuhya shares her background, favorite parts of the conference, and why students must consider attending next year.

COVID-19 and the adoption of RTP

Fri, 03 Sep 2021 00:00:00 +0000

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. Governments, companies, and families were forced to rethink how to conduct business, shop, and pay for things.

Why I joined Moov: Carrie Dolan

Wed, 18 Aug 2021 00:00:00 +0000

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.

Why I joined Moov: Scott Wittrock

Thu, 12 Aug 2021 00:00:00 +0000

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. Maybe today’s career aptitude tests are more sophisticated, but back then, it gave me an endpoint out of thin air and I didn’t understand why it selected that career or if it was even the right path for me.

Your SWIFT/BIC code cheat sheet

Tue, 03 Aug 2021 00:00:00 +0000

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. SWIFT is owned by member institutions like banks, securities dealers, and clearing houses. Each member is assigned a unique code whose purpose is comparable to that of U.S. routing numbers and will be detailed throughout this article.

What everyone is saying about fintech_devcon

Mon, 02 Aug 2021 00:00:00 +0000

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. This event is for you—fintech developers and our growing community of doers. It’s for the executives and product managers trying to bring a big audacious vision to life.

Your guide to the Moov ACH Gateway

Thu, 22 Jul 2021 00:00:00 +0000

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. It also utilizes Moov ACH by flattening batches, merging files, and validating files to ensure transfers are cost effective and reliable. We’ll cover how to set up the service and run through a sample use case in the sections below.

A collection of awesome open source fintech projects

Thu, 15 Jul 2021 00:00:00 +0000

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. Please submit a pull request to add new projects to our GitHub repository—this blog post will be updated periodically to stay in sync with the repo.

Now accepting applications for fintech_devcon’s diversity scholarship

Thu, 24 Jun 2021 00:00:00 +0000

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. We’re committed to improving access, participation, and engagement for all people, regardless of identity or background. We created our scholarship to support this commitment, and we’re excited to extend our sponsorship to five individuals.

Why I joined Moov: Josh Sadler

Tue, 22 Jun 2021 00:00:00 +0000

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

Wed, 16 Jun 2021 00:00:00 +0000

The Moov ACH Test Harness project provides a configurable FTP/SFTP server to replicate real-world ACH file transfer scenarios like returns and changes. With the test harness acting as a receiving financial institution, matchers and actions can be customized to observe how ACH files would be processed in production. This project is a natural extension of our Moov ACH project, which allows users to read, write, and validate Nacha ACH files. We’ll cover how to get set up with the test harness and run through a few primary use cases in the sections below.

5 reasons to attend fintech_devcon

Tue, 15 Jun 2021 00:00:00 +0000

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. While there’s certainly a draw for a chance to finally dust off your suitcase and pack clothes other than sweatpants, we’d also like to provide a business case for attending fintech_devcon.

Your guide to the Moov Watchman API

Thu, 10 Jun 2021 00:00:00 +0000

The Moov Watchman project provides search functionality over U.S. trade sanctions lists, including individuals, groups, and companies legally forbidden to transact with. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll cover how to perform a few types of Watchman searches and how to update an entry’s status using our API service.

Why I joined Moov: Logan Hendricks

Wed, 09 Jun 2021 00:00:00 +0000

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

Thu, 03 Jun 2021 00:00:00 +0000

The Moov Metro2 project offers an API with several operations for Metro 2 credit reporting files, including bidirectional conversion between plaintext and JSON formats. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll run through a few basic examples of converting and validating Metro 2 files.

Why I joined Moov: Joel Tosi

Thu, 20 May 2021 00:00:00 +0000

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

Thu, 20 May 2021 00:00:00 +0000

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

While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll cover how to mount your own data files and perform a few basic searches using our API service.

Your guide to the Moov ACH API

Tue, 18 May 2021 00:00:00 +0000

The Moov ACH project includes an API with several operations for ACH files, including bidirectional conversion between plaintext and JSON formats. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll run through a few basic examples of creating, fetching, modifying, and validating files.

Why I joined Moov: Aaron Bell

Thu, 13 May 2021 00:00:00 +0000

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

Thu, 06 May 2021 21:24:51 +0800

The Moov Wire project offers an API with several operations for Fedwire messages, including bidirectional conversion between plaintext and JSON formats. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll run through a few basic examples of creating, fetching, deleting, and modifying files.

Developers want better user experiences, not to become payment experts

Mon, 03 May 2021 19:23:51 +0800

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

Tue, 27 Apr 2021 21:24:51 +0800

The Moov ImageCashLetter project features an API with several operations for X9 files, including bidirectional conversion between ASCII/EBCDIC and JSON formats. While the project’s primary API documentation contains plenty of technical details and examples, the purpose of this guide is to serve as a launching point for new users. We’ll run through a few basic examples of creating, fetching, deleting, and modifying files.

A short intro to ACH payments

Tue, 27 Apr 2021 19:24:51 +0800

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.

Why I joined Moov: Jared Jones

Mon, 12 Apr 2021 19:24:51 +0800

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. We built hundreds of thousands of multiplatform apps for large financial institutions, community banks, and retailers. I also forged early technology partnerships with game-changing products like Square Cash.

Hard on the issues, easy on the people

Mon, 12 Apr 2021 00:00:00 +0000

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. Of course, these things are essential. But the milestones related to these areas of the business don’t matter if my people don’t feel challenged, accepted, safe, respected, inspired, and like they are doing the best work of their lives. For me, that’s the end goal—to make Moov the best place anyone has ever worked.

The beginner's guide to real-time payments

Mon, 05 Apr 2021 19:24:51 +0800

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

Tue, 30 Mar 2021 19:24:51 +0800

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. But as I learned more about that industry, I had a stark realization I was jumping into a zero-sum game. I wanted to increase the size of the pie, not just take a bigger share.

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

Mon, 29 Mar 2021 19:24:51 +0800

The number one question I get about regarding the Moov open source libraries is, “How do these fit into my application stack?” In this post, we’ll set out to answer this question once and for all. Before we talk specifically about our open source projects, it’s essential to look more broadly at how most companies interact with the banking system programmatically.

Why I joined Moov: Josephine Roh

Mon, 22 Mar 2021 19:24:51 +0800

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. The truth is, I believe that words matter. And I believe in their ability to instruct, unlock ideas, and inspire.

The art of maintaining an open source project

Thu, 11 Mar 2021 01:24:51 +0800

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.

Moov joins the U.S. Faster Payments Council

Wed, 10 Mar 2021 19:23:51 +0800

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.

Why we're hosting fintech_devcon

Wed, 03 Feb 2021 19:24:51 +0800

The fintech developer community has exploded. While the growth has been happening for a while, 2020 saw an exponential expansion. This explosion has created a massive demand for education and brought a new wave of developers into the space. It’s time they all met.

Announcing Moov’s $27M Series A round

Fri, 04 Dec 2020 00:00:00 +0000

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. We knew that sending, receiving, and storing money could be more straightforward. We knew that in a cloud-native world, security, portability, and flexibility are everything. And we wholeheartedly believe in community. So, we created Moov as an open source platform.

FinCEN leaks and customizable banking with Simon Taylor and Cokie Hasiotis

Mon, 05 Oct 2020 00:00:00 +0000

Last week we hosted two conversations for the Moov community. The famous Cokie Hasiotis from Fintech Today joined us for happy hour. For our first Moov Global Community conversation, we spoke with Simon Taylor of 11:FS.

Lessons on building a challenger bank with Zach Bruhnke

Thu, 17 Sep 2020 19:24:51 +0800

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. He spoke on a broad range of topics in the challenger bank space, and his ideas were so good we decided to write them up to share with the community.

How and when to use the Moov ACH library

Fri, 04 Sep 2020 08:23:51 +0800

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. It’s this experience that led to the creation of our open source projects like ACH. What we noticed was that teams across the financial industry are consistently solving the same problem, often causing huge headaches. The information around how to solve these problems is freely available but it’s buried in lengthy manuals and layers upon layers of insider jargon.

August recap of Moov community working groups

Mon, 31 Aug 2020 08:23:51 +0800

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. These meetings started a few weeks ago when one community member asked a question about mobile check capture. What resulted was a lengthy discussion and, finally, a suggestion to host a call.

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

Fri, 21 Aug 2020 08:23:51 +0800

Getting started

Building ACH files is no small task. The sheer number of fields required is enough to make your head spin. This tutorial will use our Node SDK and a CSV of mock employee payroll data to generate a Nacha compliant PPD ACH file.

Announcing Moov's $5.5 million seed round

Tue, 18 Aug 2020 00:00:00 +0000

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. We’re excited because we have the momentum and support of 7 institutional investors, led by Bain Capital, as well as 27 individual investors who believe in Moov’s mission, who are generous with their time and their knowledge.

Making Moov

Mon, 17 Aug 2020 19:23:51 +0800

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. We have world-class investors that believe in our mission, and we’re building a team of people who are passionate about creating a better future.

Contributing to Moov open source docs (part 2)

Mon, 10 Aug 2020 19:24:51 +0800

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.

Contributing to Moov open source docs (part 1)

Mon, 10 Aug 2020 19:23:51 +0800

The documentation for our open source projects is here to serve you, the community. We’re always interested in feedback from those using our open source libraries and incredibly thankful to anyone willing to contribute to them. In this article, we’ll map out how to quickly and easily suggest changes to our documentation.