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

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.

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

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

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

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.

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

Specify your own unique alias or identifier on transfers.

Set your own fraud rules unique to your business risk.

Available balance usable immediately from the wallet.

Moving funds between Moov Wallets happens right away.

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

View historical transactions with raw payment data for every wallet.

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

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

Moov is partnered with Plaid to provide instant account verification.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

Issue full or partial refunds for any card transaction.

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

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

Streamline user onboarding and start processing payments within hours.

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

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

Import Moov.js into your JavaScript project from NPM.

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

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

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

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

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.

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

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.

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

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

Roll your keys whenever you like.

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

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

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

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

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.

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

Verify webhook message coming from Moov with signing signatures.

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

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.

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

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

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

View the Moov accounts that belong to your application.

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

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

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.

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

Your users can charge other users.

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

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

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

Automated verification without requiring documents.

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

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

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

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

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

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

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

Understand the relationship between businesses and their owners.

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

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

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.

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

We regularly demonstrate that our controls and procedures are solid.

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