Explore all features

It’s everything but the kitchen sink—and it’s growing daily to help you build better experiences.

Money movement

Funds flows

Pay out

Pay contractors or service providers with a simple funds transfer flow.

Collect payments

Collect funds from or charge users for goods or services.


When the same person or company is on both sides of a transfer, we call that self-to-self.


Enable a two-sided marketplace where you faciliate transfers between your users.

Rail agnostic

Universal transfers

One interface to transfer funds between any two sources, using any payment options.

Subscribe to updates

Let your users know exactly where their money is and when things change.

Generated payment methods

When a user links a bank account or card, we create the payment methods that your user can choose when involved in a transfer.

Transfer options utility

Pass in an amount and a source or destination and we’ll give you the payment methods available.


Pass around unique identifiers instead of sensitive data.

Meta data

Add your own key-value pairs to transfers you create.

Foreign ID Coming soon

Specify your own unique alias or identifier on transfers.

Configurable fraud monitoring Coming soon

Set your own fraud rules unique to your business risk.

Moov Wallets


Available balance usable immediately from the wallet.

Instant wallet transfers

Moving funds between Moov Wallets happens right away.

Simple creation

Request the wallet capability and get one immediately if KYC is already passed.

History Coming soon

View historical transactions with raw payment data for every wallet.

Bank accounts

Link bank accounts

Collected bank account information for your users securely and we’ll check eligibility across different payment networks.

Verify bank accounts with micro-deposits

Initiate same-day micro-deposits to verify bank accounts before debiting them.

Instant account verification with Plaid

Moov is partnered with Plaid to provide instant account verification.

Routing number validation

Validate routing numbers as your users type them against of list of all financial institutions in the US.

Bank logo repository

Show a bank’s logo whenever you show a bank account or bank by routing number.

Bank account updates

If we receive a notice of change from the bank, we’ll apply the corrections automatically.


Same-day debits

All ACH debits are made with same-day ACH for a better and faster experience.

Same-day credits

Send funds faster with same-day ACH. Windows are 10am, 2:15pm, and 4:15pm ET.

Next-day credits

Send funds via standard ACH. Not as fast as same-day, but it gets the job done. 5:30pm ET cut-off window.

Regulation E compliant

From handling returns and properly formatting what shows up in bank statements, let Moov handle it.

Nacha file creation

Moov handles the creation of the character-delimited files and uploads them to the Fed. Built on our open source ACH library.

Automatic SEC codes

Moov applies the appropriate Standard Entry Class Code. Mostly WEB and CCD.

Webhooks for returns

Use Moov’s webhook subscriptions to receive notifactions when ACH returns occur.

Real-time payments Q1 2022

TCH RTP® technology provider

Directly certified and redudently connected to The Clearing House RTP® network.

TCH RTP® credits

Send money to bank accounts in near-real-time with RTP®, 24/7/365 with no reversals.

Auto-upgrade bank accounts

Moov will automatically detect if a bank account is eligible to receive payments via RTP®.

Push-to-debit Coming soon

Send and receive money efficiently, securely, and seamlessly to billions of endpoints globally with Visa® Direct.

Card acquiring January 2022

Card network processor

Direct redundant connections to the card networks including Visa®, Mastercard®, American Express®, and Discover®.

Card-not-present payments

Accept card payments or allow businesses you onboard to accept card payments from the major card brands.


Securely collect payment card details like card number, expiration date, CVV, and zip code using Moov Drops.

Card verification

Moov normalizes results between card brands for CVV and address checks that you can use for your own risk management.

Dynamic descriptors

Set transaction descriptions that show up on the payer’s bank statements.

Dispute management

Disputes happen. Get notified and provide evidence for every dispute.


Issue full or partial refunds for any card transaction.

Card account updater

If a cardholder gets a new card, the card of file will be automatically updated so you can keep accepting payments.

Decline codes

If a card issuer declines a payment, provide the appropriate next steps for your user, like trying again or trying a different card.

Registered payment faciliator

Streamline user onboarding and start processing payments within hours.

Developer tools



Browser-side SDK that simplifies interacting with the Moov API.

PII goes straight to Moov

You don’t need to handle SSN or other private data required from users.

npm i @moovio/moov-js

Import Moov.js into your JavaScript project from NPM.

TypeScript bindings

When you import Moov.js into your TypeScript project, your code editor will autocomplete methods.

Moov Drops

Moov Drops

Drop-in web components that make your go-to-market that much faster.

Card payments

You don’t want to handle a card number yourself, pass it from your user right to Moov.

Onboarding Coming soon

Let us handle the edge cases of creating accounts and linking payment methods.

Address autocomplete Coming soon

Increase the quality of data and make a better user experience by autocompleting addresses.



Anything we can do you can do. And all JSON field names include all their vowels.

Reference docs

View detailed request and response bodies and headers in our public API docs.

Postman collection

To help make your development process simpler, we’ve published a Postman collection with example calls to our API.


Prevent duplicate transfers from being created.

API keys

Create any number of API keys for as many apps as you create.

Restrict API keys to domains

Improve your security posture by restricting API keys to just the domains on which you use them with Moov.js

Disable API keys

Roll your keys whenever you like.

Restrict keys with scopes

Generate an access token with only the ability to perform the actions you specify.


Test accounts

Build your integration against a sandboxed test account where anything goes.

Time-bending simulations

Simulate real situations, like micro-deposit verification, without having the wait for the realistic timing.

Invite to test account

Optionally limit members of your team to only have access to your test account and not production data.

Moov accounts

Test Moov accounts look just like real accounts except capabilities will automatically enable when requested.


Test your flow of funds once or constantly and simulate the settlement process.

Events and webhooks


Set up any number of webhooks and subscribe to every event Moov has to offer, or just the ones you care about.

Webhook signatures

Verify webhook message coming from Moov with signing signatures.

Automatic retries

If we can’t reach your service, we promise we won’t spam it. We’ll retry with exponential backoffs before giving up.

Disable webhooks

If you want to toggle a webhook on or off, it’s a click of a button.


Pick the events you want to subscribe to, or pick all current and future ones.

Enable ChatOps

Send events to Slack to keep your operations team in the know.


Moov accounts

Create accounts

Anything your users can do, you can also do through the Moov Dashboard.

Form shortening

Start with an email address and get business or individual details from a number of public sources.

Manage accounts

View the Moov accounts that belong to your application.

Search across accounts

Find whoever you’re looking for. If you set a foreign ID on an account you can search by it.

Automatic profile photos

We’ll find the best image of your users, if available, from public sources to put a face to the name.

Business logos

Businesses with websites may have a publicly available logo. If they do, you’ll make it available to you.



Request capabilities to enable your users for different funds flows.


Allow users to particiapte in transfers with a small amount of data and no KYC required.

Send funds

Onboard your users to enable them to send funds to other users.

Collect funds

Your users can charge other users.


Allow users to store funds in a wallet and use that wallet as a payment method.

1099-NEC Coming soon

Identify users as independent contractors who will receive IRS Form 1099-NEC in January.


Fast turnaround

Near-instant automatic approvals for up to 98% of individual verifications.

Individual identity verification

Automated verification without requiring documents.

Algorithmic name matching

Account for common name permutations for a more forgiving and human verification.

Address normalization

Addresses are hard. We’ll normalize addresses as we try to verify them to improve results.

SSN last-four

Do more with less. The last four of a Social Security number is usually good enough.

TIN matching

Verify that the tax ID provided matches the other information about a business or individual.

Sanctions screening

Moov subscribes to the most valuable lists to identify bad actors.

Recurring screening

We’ll monitor all legal entities against sanctions lists on a regular basis with you having to worry about it.

Business verification

Automated verification of business registered with any of the 50 Secretary of States.

Beneficial owner verification

Understand the relationship between businesses and their owners.

Detailed verification errors

If something looks off, ask your users to correct it and know where their verification stands.

Subscribe to verification updates

Be in the know when the verification status changes for any of your users.



Progressive web app

The latest in web standards for providing great experiences for the web. You can even install the Moov Dashboard on your desktop and mobile device.

Light and dark mode

It looks great in any mode, but honestly, dark mode is way better.

Onboard yourself

We’ll walk you through what’s required to go live in the app and let you get to work.

Dashboard metrics

No jargon, just simple metrics that help you keep tabs on the most important things.

Simple permissions

Invite those in your company who need access and let them do just the things they need to.

Manage accounts

Anything your users can do, you can do too through the Moov Dashboard. Great for support teams.

View verification status

Know whether capabilities are already approved, rejected, waiting on manual review, or are missing data.

Manage transfers

Create transfers through our UI and view transfer activity across your app or account by account.


Tax center Coming soon

1099-NEC generation

Collect information about your independent contractors and we’ll create the IRS Form 1099-NEC.


Moov automatically files your 1099s with the IRS at tax time.

Printing and mailing

For users who opt-out of electronic delivery, we’ll print and mail their forms.

TIN matching

Match the provided tax ID to the name to ensure more accurate results and avoid inaccuracy penalties from the IRS.

Manually adjust filing amount

Add manual adjustments to Moov if you paid someone outside of Moov for part of the year.


99.99% uptime

We get it, uptime is important, so we’re here for you.

Data privacy

We adhere to industry-standard best practices with regard to your privacy.

Independently tested

Moov contracts with security researchers and pen testers regularly to discover and remediate security vulnerabilities.

SSL & TLS encryption

Bank-level security protects your data and your users' too.

SOC 2 compliant

We regularly demonstrate that our controls and procedures are solid.

PCI Level I

Trust us, PCI compliance is a bear, and we take the burden seriously to make sure we handle the most sensitive data with care.

Watch us work in the open. View our near-term roadmap.