llms.txt

Moov Documentation

Moov is a payments platform that enables developers to integrate money movement capabilities into their applications.

AI Integration Tools

Best Practices for Integrating Moov

Getting Started

  1. Create a Moov Account: Sign up at https://dashboard.moov.io and obtain API keys
  2. Choose Your Integration Path:
    • Use the REST API for maximum flexibility
    • Use backend SDKs (Go, Node.js, Python, .NET, Ruby) for type-safe server integration
    • Use Moov.js for secure client-side data collection
    • Use Moov Drops for pre-built, drop-in UI components
    • Use hosted onboarding for merchant account creation
    • Use payment links for a hosted checkout flow

Authentication

Money Movement

  1. Create Accounts: Start by creating Moov accounts for your users
  2. Verify Identity: Complete KYC/KYB verification before enabling money movement
  3. Add Payment Methods: Link bank accounts, cards, or wallets
  4. Create Transfers: Initiate payments between accounts
  5. Monitor Status: Use webhooks to track transfer lifecycle events

Payment Methods

Security Best Practices

Error Handling

Testing

Key Resources

Quick Start

Essential Guides

Common Integration Patterns

Pattern 1: Marketplace/Platform

For platforms facilitating payments between users:

  1. Create accounts for each user (buyers and sellers)
  2. Implement KYC verification for sellers
  3. Link payment methods for buyers
  4. Create transfers from buyer to seller
  5. Optionally use wallets for fund holding
  6. Implement fee collection via fee plans

Pattern 2: Payouts/Disbursements

For businesses paying vendors, contractors, or users:

  1. Create Moov accounts for recipients
  2. Collect and verify payout methods (bank accounts)
  3. Batch or individual transfer creation
  4. Track transfer status via webhooks
  5. Handle failed transfers with retry logic

Pattern 3: Bill Pay/Invoicing

For collecting payments from customers:

  1. Create customer accounts
  2. Link payment methods (cards or bank accounts)
  3. Create transfers to your business account
  4. Send payment confirmations
  5. Handle recurring payments with saved payment methods

Pattern 4: Embedded Finance

For white-label financial products:

  1. Use Moov Drops for pre-built UIs
  2. Implement Moov.js for custom flows
  3. Create wallets for users to hold funds
  4. Enable money movement between wallets and external accounts
  5. Provide transaction history and statements

Support & Resources

Default Rate Limits

Common Pitfalls to Avoid

  1. Not handling async operations: Transfers are asynchronous; use webhooks or the x-wait-for header
  2. Hardcoding in production: Use environment variables for API keys
  3. Ignoring errors: Always implement comprehensive error handling
  4. Not testing webhooks: Verify webhook signature validation
  5. Not using idempotency keys: Prevent duplicate transfers
  6. Skipping sandbox testing: Always test in sandbox before production