# Payment methods

Payment methods represent how funds move into and out of Moov accounts.

Payment methods are determined by an account's linked [funding sources](/guides/sources/): bank accounts, cards, or Moov wallets. When a funding source is linked, the associated payment methods become available. Some payment methods, such as `ach-debit-collect`, require additional steps like verifying the bank account.

Each payment method has its own characteristics:

- **Speed:** Instant, same-day, or 1-2 business days
- **Network:** ACH, card networks (Visa/Mastercard), or real-time rails (RTP)
- **Risk:** Exposure to chargebacks and returns varies by method
- **Cost:** Processing fees differ across payment rails

Payment methods are separate from [capabilities](/guides/accounts/capabilities/reference/).  
A payment method defines *how* money moves, while a capability defines *what actions* an account can perform.

- **Source payment methods** specify where funds originate
- **Destination payment methods** specify where funds are delivered

Most payment methods work in a single direction. The exception is `moov-wallet`, which can be both a source and a destination.

* * *

## [Source payment methods](#source-payment-methods)

Source payment methods fund a transfer. The source is where the money comes from.

| Payment method      | Funding source                                                       | Description                                        | Can send to        |
|---------------------|----------------------------------------------------------------------|----------------------------------------------------|--------------------|
| `moov-wallet`       | Moov wallet                                                          | Transfer from a wallet balance                     | Wallet, Bank, Card |
| `ach-debit-fund`    | [Verified bank account](/guides/sources/bank-accounts/verification/) | Debit a bank account to fund a wallet or payouts   | Wallet             |
| `ach-debit-collect` | [Verified bank account](/guides/sources/bank-accounts/verification/) | Debit a bank account for a consumer or B2B payment | Wallet             |
| `card-payment`      | Card                                                                 | Charge a credit or debit card                      | Wallet             |
| `apple-pay`         | Apple Pay                                                            | Accept Apple Pay                                   | Wallet             |
| `pull-from-card`    | Debit/prepaid card                                                   | Pull funds from a debit or prepaid card            | Wallet             |

* * *

## [Destination payment methods](#destination-payment-methods)

Destination payment methods receive a transfer. The destination is where money goes.

While `instant-bank-credit` and `rtp-credit` both provide instant payments on the RTP rail, Moov strongly suggests using `instant-bank-credit`, which supports both the RTP and FedNow rails.

| Payment method        | Funding source     | Description                               | Can receive from   |
|-----------------------|--------------------|-------------------------------------------|--------------------|
| `moov-wallet`         | Moov wallet        | Credit a wallet balance                   | Wallet, Bank, Card |
| `ach-credit-standard` | Bank account       | Credit a bank account (1-2 business days) | Wallet             |
| `ach-credit-same-day` | Bank account       | Credit a bank account (same day)          | Wallet             |
| `instant-bank-credit` | Bank account       | Real-time credit via RTP                  | Wallet             |
| `rtp-credit`          | Bank account       | Real-time credit via RTP                  | Wallet             |
| `push-to-card`        | Debit/prepaid card | Instant credit to a debit card            | Wallet             |

* * *

## [Payment methods and capabilities](#payment-methods-and-capabilities)

Payment methods belong to an individual account, but [capabilities](/guides/accounts/capabilities/reference/) determine what the **initiating** account is allowed to do.

- When **collecting funds**, the *destination account* requires a collect-funds capability.
- When **sending funds**, the *source account* requires a send-funds capability.

### [Collecting funds](#collecting-funds)

The destination account pulls from a payment method owned by the source (payer).  
The payer only needs `transfers`.

| Source payment method       | Destination account needs       |
|-----------------------------|---------------------------------|
| `card-payment`, `apple-pay` | `collect-funds.card-payments`   |
| `ach-debit-collect`         | `collect-funds.ach`             |
| `pull-from-card`            | `money-transfer.pull-from-card` |

**Example:**  
A merchant accepting a card payment pulls from the payer’s `card-payment` method.  
The merchant (destination) needs `collect-funds.card-payments` and `wallet.balance`.  
The payer (source) only needs `transfers`.

* * *

### [Sending funds](#sending-funds)

The source account pushes to a payment method owned by the destination (recipient). The recipient only needs `transfers`.

| Destination payment method                   | Source account needs                                       |
|----------------------------------------------|------------------------------------------------------------|
| `ach-credit-standard`, `ach-credit-same-day` | `send-funds.ach`                                           |
| `instant-bank-credit`, `rtp-credit`          | `send-funds.instant-bank`                                  |
| `push-to-card`                               | `send-funds.push-to-card` or `money-transfer.push-to-card` |

**Example:**  
A business sending a payout via `ach-credit-same-day` pushes funds to the recipient’s bank account.  
The business (source) needs `send-funds.ach` and `wallet.balance`.  
The recipient (destination) only needs `transfers`.

For full details, see the [capabilities reference](/guides/accounts/capabilities/reference/) and [enablement guide](/guides/accounts/capabilities/enablement/).

* * *

## [Funding source requirements](#funding-source-requirements)

Payment methods require linked and verified funding sources:

- **Bank account credit methods** (`ach-credit-same-day`, `instant-bank-credit`, etc.) require a [linked bank account](/guides/sources/bank-accounts/)
- **Bank account debit methods** (`ach-debit-fund`, `ach-debit-collect`) require a [verified bank account](/guides/sources/bank-accounts/verification/)
- **Card-based methods** (`card-payment`, `push-to-card`, etc.) require a [linked card](/guides/sources/cards/)
- **Wallet-based methods** (`moov-wallet`) require an enabled [wallet](/guides/sources/wallets/)

* * *

## [Get payment methods](#get-payment-methods)

To retrieve payment methods for an account, use the:

- [List payment methods](/api/sources/payment-methods/list/)
- [Retrieve payment method](/api/sources/payment-methods/get/)

### [List payment methods](#list-payment-methods)

[cURL](#tab-946582173-3-0) [Go SDK](#tab-946582173-3-1) [Moov.js](#tab-946582173-3-2)

```zsh
curl -X GET "https://api.moov.io/accounts/{accountID}/payment-methods" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \
```

```go
mc, _ := moov.NewClient()

var accountID string

mc.ListPaymentMethods(ctx, accountID)
```

```javascript
const moov = Moov(token);

moov.paymentMethods.list(accountID);
```

### [Retrieve payment method](#retrieve-payment-method)

[cURL](#tab-349685127-4-0) [Go SDK](#tab-349685127-4-1)

```zsh
curl -X GET "https://api.moov.io/accounts/{accountID}/payment-methods/{paymentMethodID}" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \
```

```go
mc, _ := moov.NewClient()

var accountID string
var paymentMethodID string

mc.GetPaymentMethod(ctx, accountID, paymentMethodID)
```

* * *

## [Transfer limits](#transfer-limits)

The table below describes Moov platform or payment network limits. Individual accounts may have lower limits depending on [verification](/guides/accounts/requirements/identity-verification/) and [underwriting](/guides/accounts/requirements/underwriting/).

To request higher limits, [contact Moov](https://support.moov.io/).

| Payment method                 | Limit                                          |
|--------------------------------|------------------------------------------------|
| `ach-debit-fund` (same day)    | $1,000,000                                     |
| `ach-debit-fund` (standard)    | $99,999,999.99                                 |
| `ach-debit-collect` (same day) | $1,000,000                                     |
| `ach-debit-collect` (standard) | $99,999,999.99                                 |
| `ach-credit-same-day`          | $500,000                                       |
| `ach-credit-standard`          | $99,999,999.99                                 |
| `instant-bank-credit`          | $10,000,000                                    |
| `rtp-credit`                   | $10,000,000                                    |
| `moov-wallet` (as source)      | Lesser of $99,999,999.99 or `availableBalance` |
| `card-payment`                 | $99,999,999.99                                 |
| `apple-pay`                    | $99,999,999.99                                 |
| `push-to-card`                 | $25,000                                        |
| `pull-from-card`               | $10,000                                        |