Send payouts and disbursements

Send instantly to
debit cards.bank accounts.debit cards.

Payout and disburse to debit cards and bank accounts in real-time in a single integration.

Go live in days, not months.

Integration for instant payouts is a small lift, even smaller if you already use Moov to accept payments.

Grow your revenue

Tap into new revenue streams for your business by monetizing faster access to funds while offering choice in cost and speed to your users.

Instant spend power

Give your users what they really want–faster access to their money. Send funds instantly 24/7/365 with RTP and push to card.

Control how funds flow

Moov gives you access to multiple payment options in a single system, giving you flexibility and control in how you get funds from A to B (and to C, D, E, F).

Instant payout

Receive funds to your bank account in real time

Standard payout

Receive funds to your bank account in 1-3 business days

Introduction

Why instant payouts?

Improve your user’s experience by giving them instant access to capital using either their debit card or bank account number.

Monetize your payouts by charging a small fee for faster access to funds compared to slower ACH payouts.

How it works

Sign up your sender & recipient

It takes just a few minutes; Moov guides you through which details to collect and performs ongoing monitoring.

Link cards & bank accounts

Use Moov Drops, our drop-in web components, to securely gather sensitive card and bank account details.

Move money

Create a transfer from your pre-funded Moov wallet to link cards or bank accounts. The integration is the same regardless of the payment rail.

Payment methods

Initiate ACH credits to send funds from a bank account via same-day or standard ACH.

Deliver funds instantly to a bank account with RTP from TCH.

Send funds to a bank account via card with Visa Direct.

Send funds to a bank account via card with Mastercard Send.

Simple integration.

Issue, accept, store, and send money on a single platform with one integration. Charge a card, settle to a Moov Wallet, split with multiple parties, disburse on ACH, RTP®, push to debit, or spend by a virtual card. The possibilities are endless, and your development budget isn’t.

Faster card acceptance settlement.

Improve cash flow for businesses. When card funds settle after a sale, send the payout to the merchant immediately.

Self-to-self transfers.

Digital banking providers can enable instant self-to-self transfers with debit cards. Decrease account abandonment by allowing a user to instantly fund their new account.

How Moov works with digital banking →

Instant loan disbursements.

Lenders use Moov to instantly disburse funds to a linked bank account or debit card.

Loan originator and servicer use cases →

Meticulously built for modern development.

Designed for this generation of computing and what comes next, Moov allows developers to build payments into their stack. Reach for our SDKs to speed up development cycles.

View SDKs →

server.go

client.html
 1
 2
 3
 4
 5
 6
 7
 8
 9
10
11
import (
  "github.com/moovfinancial/moov-go/pkg/moov"
)

func main() {
  transfer, _, err := mc.CreateTransfer(ctx, moov.CreateTransfer{
    Source:         source,
    Destination:    destination,
    Amount:         amount,
  }).WaitForRailResponse()
}
 1
 2
 3
 4
 5
 6
 7
 8
 9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
<moov-form
  name="card-form"
  method="POST"
  action="/accounts/{accountID}/cards/{cardID}"
></moov-form>

<label>
  Card number
  <moov-card-number-input
    formname="card-form"
    name="card-number"
    required
  ></moov-card-number-input>
</label>

<script>
  const moovForm = document.querySelector("moov-form");
  moovForm.requestHeaders = {
    "Content-Type": "application/json",
    "Authorization": "Bearer ${moov-api-token}",
    "X-Wait-For": "payment-method"
  };
</script>