## Partner billing

Our new [partner billing API](https://docs.moov.io/api/moov-accounts/partner-billing/) provides more insight into fees, residuals, and revenue. You can now retrieve information about your partner costs and merchant-generated revenue to reconcile costs and residuals.

On the first day of each month, Moov will generate a statement for your account. Partner statements will include a summary of the following:

- Merchant fees collected for each fee category
- Partner fees assessed for each fee category
- Net income for each fee category
- Residual payment (for revenue-share partners)
- Monthly partner platform fees (if applicable)
- Interchange report

You can access your statements with the [list statements endpoint](https://docs.moov.io/api/moov-accounts/billing/list-statements/). View the new [billing](https://docs.moov.io/guides/billing/) guides for more information.

## Invoicing

Use the [invoices API](https://docs.moov.io/api/money-movement/invoices/) or the [Dashboard](https://docs.moov.io/guides/dashboard/invoices/) to send professional, branded invoices to your customers and accept payments without relying on third‑party tools.

When you send an invoice, Moov automatically creates a single-use, secure payment link scoped to that invoice and customer. See our [invoices](https://docs.moov.io/guides/account-tools/invoices/) guide for more information.

## API & SDK versioning

Moov API [v2026.01.00](https://docs.moov.io/api/) is officially released. API [v2026.04.00](https://docs.moov.io/api/v2026.04.00/) is available as an _in development_ API and should be used with caution as breaking changes may occur without notice.

Moov is no longer updating the `latest` API version and it will be removed from our documentation. This version of our API used to be in continuous release as a beta version. Those using `latest` should update to a different version of our API immediately - Moov suggests `v2026.01.00` at this time.

Visit our API [version reference](https://docs.moov.io/api/version-reference/) for details on major releases per version.

* * *

SDK versioning will follow the following format:

| API version | SDK version |
| --- | --- |
| `v2025.07.00` | `25.7.x` |
| `v2026.01.00` | `26.1.x` |
| `v2026.04.00` | `26.4.0-dev.x` |

Currently API `v2026.04.00` is _in development_, so the corresponding `-dev.x` SDK version indicates an _in development_ version of the SDK and should be used with caution.

## Bug fixes

- Fixed a webhooks bug when fetching an accounts `metadata` and `foreignID`
- Fixed a bug where transfers were getting stuck in sandbox mode
- Fixed a bug in which `createTransfer` was being duplicated for sweeps

## Tap to Pay on iPhone

With Tap to Pay on iPhone, merchants can seamlessly and securely accept contactless payments using only an iPhone and a supporting iOS app — with no additional hardware needed. Tap to Pay on iPhone accepts all forms of contactless payments, including Apple Pay, contactless credit and debit cards and other digital wallets.

Moov has a new [MoovKit](https://moovfinancial.github.io/moov-ios/documentation/moovkit) Swift SDK for Tap to Pay on iPhone functionality. View our [Tap to Pay for iPhone](https://docs.moov.io/guides/money-movement/accept-payments/card-acceptance/tap-to-pay-iphone/) guide for more information.

Tap to Pay on iPhone accept and decline functionality is also available to test in [test mode](https://docs.moov.io/guides/get-started/test-mode/#tap-to-pay-on-mobile).

## Tap to Pay on Android

With Tap to Pay on Android, merchants can seamlessly and securely accept contactless payments using an Android device's built-in NFC capabilities. Customers can tap their contactless card or mobile wallet against the merchant's phone to securely complete transactions.

Moov has a new [Android SDK](https://moovfinancial.github.io/moov-android/moov-android/io.moov.sdk/index.html) for Tap to Pay on Android functionality. View our [Tap to Pay on Android](https://docs.moov.io/guides/money-movement/accept-payments/card-acceptance/tap-to-pay-android/) guide for more information.

Tap to Pay on Android accept and decline functionality is also available to test in [test mode](https://docs.moov.io/guides/get-started/test-mode/#tap-to-pay-on-mobile).

## Payment link updates

If set, payment links will now display line items for Apple Pay. Additionally, the initial load time for payments links has decreased.

## Bug fixes

- Fixed a missing field issue with the TypeScript SDK `202` responses
- Fixed an issue with calculating debt repayment interchange rates
- Fixed a race condition when selecting capabilities for merchants who have previously been disabled

## ACH addenda

You can now include a single ACH addenda record when [creating transfers](https://docs.moov.io/api/money-movement/transfers/create/) for supported SEC codes (CCD, PPD, WEB). This enables use cases like TXP addenda for tax payments, allowing compliant ACH credits for IRS and state tax agencies. Addenda data is validated against Nacha rules and safely masked in API responses to protect sensitive information.

View our [documentation](https://docs.moov.io/guides/money-movement/accept-payments/ach/ach-overview/#addenda) for more information.

## Idempotency guidance

Previously, our guidance was to use a UUID v4 idempotency key in the `X-Idempotency-Key` header. Our current guidance is to use a deterministic idempotency key such as a unique ID from your system (up to 36 characters), or a UUID comprised of unique identifiers for the action. Moov now supports UUID v5.

## Dashboard updates

- You can now select a product or create free-form line items when creating a transfer or payment link.
- Dropdowns and tooltips across the Dashboard are now native popovers and intelligently change their position to prevent colliding with viewport constraints.
- The payment links list now supports [peek preview](https://docs.moov.io/guides/dashboard/transfers/payment-links/#peek-preview) which gives you quick access to view details of each payment link without navigating away from the list. Toggle peek preview on and off by hitting the **space** key.

## Granular capabilities

We've expanded our capabilities to make them available on a more granular level. For example, `send-funds` has been expanded with the following options:

- `send-funds.ach`
- `send-funds.instant-bank`
- `send-funds.push-to-card`

In addition to having more control over capabilities, this allows for a dynamic underwriting process. Accounts will only have to provide information relevant for the specific capabilities requested, resulting in faster verification and capability enablement.

View the [capabilities](https://docs.moov.io/guides/accounts/capabilities/reference/) guide for the full list of granular capabilities, and view the [underwriting](https://docs.moov.io/guides/accounts/requirements/underwriting/) guide for additional information.

Granular capabilities are available with [Moov API](https://docs.moov.io/api/moov-accounts/capabilities/post/)`v2025.07.00` and later. Earlier versions of the API support our legacy capabilities (`send-funds`, `collect-funds`, and `wallet`).

## Merchant reference guide

We've published a [merchant reference](https://support.moov.io/collections/5692997986-merchant_reference) section on our [support site](https://support.moov.io/). The merchant reference guide provides information for merchants outside the context of our main developer and product documentation. This section of our support site will be updated on a regular basis as we update and release new features.

## Institutions endpoint

We've deprecated the `/institutions/ach/search` [endpoint](https://docs.moov.io/api/enrichment/form-shortening/institutions/get-ach/) and it will be removed in a future release.

We've replaced the deprecated endpoint with the new `/institutions` [endpoint](https://docs.moov.io/api/enrichment/institutions/get/). The new `/institutions` endpoint returns basic identifying metadata, including ACH, RTP, Wire, and FedNow payment support.

## Dashboard navigation

We updated the ordering and presentation of the sidebar navigation in the Moov Dashboard. Payment links, Products, and Image library are now at the top level, and the account switcher has been redesigned, making it easier to differentiate test accounts from production accounts. Lastly, the user menu was also redesigned.

## Bug fixes & updates

- Added support for a comma-separated list of statuses for query on pricing and fee endpoints
- Updated handling of `dispute.updated` webhook event in test mode for evidence handling
- Fixed an issue with the Android API linking to sandbox mode
- Fixed an issue with password manager auto-logins for the Dashboard
- Fixed payment validation issues within the Dashboard payment link form
- Added missing RTP option for sweeps in the Dashboard

## Payout links

You can now send payout links and generate QR codes for payouts with the Dashboard and API. Payment links support the push to card, RTP credit, ACH credit same day, and ACH credit standard payment methods.

Navigate to **Transfers > Payment links** in the Dashboard to [send a payout](https://docs.moov.io/guides/dashboard/transfers/payment-links/) or accept a payment. Use the POST`/accounts/{accountID}/payment-links` endpoint to [send a payout](https://docs.moov.io/api/money-movement/payment-links/create/) or accept a payment with the API.

View our [payment links](https://docs.moov.io/guides/money-movement/payment-links/) guide for more information.

## Line items

A `lineItems` field has been added to the transfer and payment links APIs. Line items allow you to create items when initiating a transfer or payment link. Each item can specify a name, description, image, options, and price modifiers.

Visit the [transfers API](https://docs.moov.io/api/money-movement/transfers/create/) and [payment links API](https://docs.moov.io/api/money-movement/payment-links/create/) for more details.

Coming soon: line items on receipts.

## Products and images API

Create a product catalog with the products and images APIs. Give each product a title, base price, description, associated image, and additional options like price modifiers. You can map products to line items in transfers and payment links.

Visit the [products guide](https://docs.moov.io/guides/account-tools/product-catalog/) & [API](https://docs.moov.io/api/tools/products/) and the [images guide](https://docs.moov.io/guides/account-tools/image-collection/) & [API](https://docs.moov.io/api/tools/images/) for more details.

## .NET SDK (beta)

We've added a beta .NET SDK to our lineup. View the [documentation](https://github.com/moovfinancial/moov-dotnet), or visit our [API](https://docs.moov.io/api/) for examples.

## Dashboard updates

In the payment link detail view, we've added the list of transfers created by payment links. This view can also be accessed from the main transfer details view.

## Bug fixes

- Moov now explicitly blocks HSA cards from being eligible for push and pull transactions
- The terms of service field for POST`/accounts` was incorrectly listed as a `oneOf` and has been fixed with the proper nesting pattern
- The last four numbers of the card were missing from certain transaction memos
- In the Go SDK, `Capability_NameWalletBalance` has been updated to `CapabilityName_WalletBalance`
- Account metadata was not always appearing in the Dashboard
- Terms of service could not be accepted via the Dashboard hosted onboarding flow

## Balances in the Dashboard

We've made some UI changes in the Dashboard. In the Dashboard sidebar, navigate to **Balances** to find your total available wallet balance, your default wallet, and any additional general wallets that have been created. Click on a wallet to view all wallet transactions.

## moov.link

We've updated the Moov URL for [payment links](https://docs.moov.io/guides/money-movement/payment-links/). When you generate a payment link code, the URL is now `https://moov.link/p/{code}`. The old URL, `moov.money` will automatically redirect to `moov.link`.

## Bug fixes

We've fixed a number of bugs in the Dashboard:

- The secret key did not appear after creating an API key
- The clear (X) button was not clearing wallet transactions
- Sweep configs were not appearing in the settings
- _Pending review_ underwriting task was not loading
- Verification documents were not showing on individual account verification review
- The incorrect month was appearing on billing statements
- `verification-expired` status was missing from instant bank verification

Additionally, we fixed a bug where bank accounts that have been disabled and re-enabled were unable to be verified.

## Multiple wallets

You can now create multiple wallets for each Moov account. Moov will generate one default wallet per account, and now an additional 10 general wallets can be added to each account. Every wallet maintains its own independent balance and transaction history, giving you greater flexibility in fund management and reconciliation.

See our [multiple wallets](https://docs.moov.io/guides/sources/wallets/multiple-wallets/) guide and [API](https://docs.moov.io/api/sources/wallets/) for more information.

## Customer support in Dashboard

We previously announced our [support tickets API](https://docs.moov.io/api/moov-accounts/support/). Customer support tickets are now available in the Dashboard. Users who are signed in to the Dashboard will be able to directly open an issue.

See the [support ticket](https://docs.moov.io/guides/account-tools/support-tickets/) guide for more information.

## API quarterly release

Since this changelog, we have updated our API release cadence. Visit our [version reference](https://docs.moov.io/api/version-reference) guide for the most up to date information.

We've released API version `2025.07.00`, which includes the following updates and features from the previous version of `latest`:

- Granular capabilities
- Dynamic underwriting
- Enriched industry taxonomies model
- Support tickets

Note - while some features are now available in our quarterly, stable API release, some features are still considered in beta.

When you visit Moov's [API documentation](https://docs.moov.io/api/), `v2025.07.00` is now the main view. See our new [version reference](https://docs.moov.io/api/version-reference) guide for the list of updates per API version.

## Test cards

We've added more CVV and AVS verification test cases to the push & pull test cards. See the [test mode](https://docs.moov.io/guides/get-started/test-mode/#transfers) guide for more information.

## Bug fixes

- Fixed an issue where the support tickets list on an account wasn’t correctly paginated in the Dashboard
- Improved idempotency checks for Tap to Pay payments created via the Android and iOS SDKs
- Improved the display of "guest" accounts created via contactless Tap to Pay payments
- Enhanced some validation error responses

## Merchant statements

Moov now provides monthly statements to help you understand and reconcile your merchant processing costs. Within your monthly statements you'll receive a summary of the following:

- Fee names
- Transaction processing fees for all rails
- Count of instances of the fee assessed
- Total fee amount assessed
- Network passthrough fees - card network fees
- Interchange report (cost-plus plans only)

See our [API](https://docs.moov.io/api/moov-accounts/billing/) and [documentation](https://docs.moov.io/guides/fee-plans/merchant-statements/) for more information.

## API versioning

Use the [new dropdown](https://docs.moov.io/api/) on our API docs to view different versions of Moov's API. Currently, you can view the following versions:

- v2025.04.00 (stable)
- Latest (beta)
- v2025.01.00
- v2024.01.00 (default)

For every request to the API, you can send a version header. Moov suggests `v2025.04.00` for all new users. If no version is sent with your request, Moov will default to `v2024.01.00`.

Note, our API documentation previously displayed `latest` by default. If you are looking for endpoints or features which no longer appear in the side navigation, switch the dropdown to **Latest (beta)**.

## Dashboard transfer improvements

When creating a transfer, you can now search for an account by name, email, or account ID, as well as filter by type, capabilities, or capability status.

Additionally, you should notice a faster experience overall when creating a transfer in the Dashboard.

## Drops improvements

We've improved autocompletion behavior and timing on firing field validation.

## Bug fixes

- Fixed a bug where some domains were not being successfully added to the API key allow list
- Fixed a Dashboard bug where capability status badges were not selectable
- Improvements and bug fixes within the Dashboard UI

## Passkey authorization

We've added the ability to use a passkey to log in to the Moov Dashboard through your browser, password manager, a phone or tablet, or a USB security key. Use the secure **Sign in with passkey** option on the [Dashboard](https://dashboard.moov.io/) login screen.

## Ruby SDK (beta)

We've added a Ruby SDK to our lineup. View the [documentation](https://github.com/moovfinancial/moov-ruby) on GitHub, or visit our [SDK](https://docs.moov.io/sdks/) page. Note, the Ruby SDK is in beta.

## Bug fixes

We've fixed a Dashboard bug with maximum character limits when submitting text based dispute evidence.