Accept payments directly or allow your users to accept payments.
Moov wallets can be funded for payouts or be used for merchant services.
Send payouts to linked bank accounts or to other Moov wallets.
Issue single-use virtual cards for corporate spending from Moov wallets.
One interface to transfer funds between any two sources, using any payment options. Learn more
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.
Create transfers that kick off when a previous transfer is completed. Chain multiple transfers together to handle complex flows easily.
Optionally set a markup or calculated fee for each transfers. Fee income will be distributed to your Moov wallet.
Track a transfer like it’s a package being delivered. Get the overall status as well as rail-specific statuses.
Pass around unique identifiers instead of sensitive data.
Add your own key-value pairs to transfers you create.
Choose to fire-and-forget or wait for a payment rail response when creating a transfer.
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 tightly correlated to payment data.
Observe the impact that each transaction has on the available balance of a wallet.
Subscribe to balance updates as they happen rather than having to ask.
Filter by transaction type to understand what’s fee revenue vs top-ups vs payments and more.
Easily add funds to a wallet or cash out to a linked bank account.
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 MX to provide instant account verification.
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 PPD, WEB and CCD.
ACH is full of rough edge cases. Moov smooths these out for you and shows you exactly what happened.
Use Moov’s webhook subscriptions to receive notifactions when ACH returns occur.
Directly certified and redundantly 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®.
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.
Accept Apple Pay on the web with the Payment Request API.
Allow your buyers to pay with Google Pay on the web.Coming soon
Instead of settling acquired funds via ACH to a bank account, funds settle directly into your Moov wallet, providing faster access.
Choose how you price card payments to your merchants by marking up interchange or charging a flat rate.
Use transfer groups and Moov wallets to split funding between multiple participants as soon as funds settle.
Set transaction descriptions that show up on the payer’s bank statements.
Disputes happen. Get notified for every dispute along with the reason from the card network.
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.Coming soon
Moov finds the card type and issuing bank for each linked card.
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.
Programmatically create virtual cards that are ready to use instantly.
Create a virtual card that can be used for a single transaction for vendor payments.
Spend funds from the available balance of a Moov wallet.
Moov not only brings the issuer-processing but also program management.
Embed issued cards inn your app with a Moov Drop, reducing your PCI DSS requirements.
Browser-side SDK that simplifies interacting with the Moov API.
You don’t need to handle SSN or other private data required from users.
When you import Moov.js into your TypeScript project, your code editor will autocomplete methods.
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 going through KYC.
Capture bank account or card details from your users easily.
Embed issued cards inn your app with a Moov Drop, reducing your PCI DSS requirements.
Increase the quality of data and make a better user experience by autocompleting addresses.Coming soon
Import Moov into your Node project to make interacting with the Moov API easier.
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.
Test card acceptance and declines using test cards.
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.
Use our address autocompletion utility to improve accuracy and create a better user experience.
Use our industry autocompletion utility to help users select the right industry for their business.
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.
Allow users to issue cards tied to their Moov wallet.
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.
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.
Moov checks all new accounts against a TMF to prevent fraud and misuse.
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.
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.