All the features you don’t have to build.

See what we’ve built so far and what we’re adding daily to power better experiences.

Money movement

Funds flows

Accept money
Accept payments directly or allow your users to accept payments.

Store money
Moov wallets can be funded for payouts or be used for merchant services.

Send money
Send payouts to linked bank accounts or to other Moov wallets.

Spend money
Issue single-use virtual cards for corporate spending from Moov wallets.

Payment rail agnostic

Universal transfers
One interface to transfer funds between any two sources, using any payment options. Learn more

Subscribe to updates
Let your users know exactly where their money is and when things change.

Generated payment methods
When a user links a bank account or card, we create the payment methods that your user can choose when involved in a transfer.

Transfer options utility
Pass in an amount and a source or destination and we’ll give you the payment methods available.

Schedule transfers
Set a date in the future for a transfer to occur.

Recurring transfers
Setup recurring payments on any cadence with maximum flexibility.

Transfer groups
Create transfers that kick off when a previous transfer is completed. Chain multiple transfers together to handle complex flows easily.

Fee plans
Set up a fee plan and pricing for a single business, or reuse a template for many.

Monetize transfers
Optionally charge a fee on transfers. Fee income will be distributed to your Moov wallet.

Granular statuses
Track a transfer like it’s a package being delivered. Get the overall status as well as rail-specific statuses.

Tokenization
Pass around unique identifiers instead of sensitive data.

Line items
Add line items to transfers to track the details of the payment.

Sales tax
Add sales tax to transfers to track the tax amount of the payment.

Metadata
Add your own key-value pairs to transfers you create.

Sync or async
Choose to fire-and-forget or wait for a payment rail response when creating a transfer.

Moov wallets

Balance
Available balance usable immediately from the wallet.

Instant wallet transfers
Moving funds between Moov wallets happens right away.

Simple creation
Request the wallet capability and get one immediately if KYC is already passed.

Multiple wallets
Create multiple wallets to organize funds across different business functions, projects, or purposes within a single Moov account.

History
View historical transactions tightly correlated to payment data.

Running balance
Observe the impact that each transaction has on the available balance of a wallet.

Near real-time balance updates
Subscribe to balance updates as they happen rather than having to ask.

Transaction types
Filter by transaction type to understand what’s fee revenue vs top-ups vs payments and more.

Add funds & cash out
Easily add funds to a wallet or cash out to a linked bank account.

Automatic payouts
Automate cashing out or topping off a wallet daily.

Sweep subtotals
Each daily sweep reports on the totals of each transaction category.

Maintain balance
Set a balance for a wallet to net out to daily.

Payment links

Checkout
Send payment links to get paid for a good or service.

Payout
Send payout link to pay a counterparty.

Branded
Beautifully designed and branded to the merchant.

Single or multi-use
Create single- or multi-use payment links.

QR codes
Create a QR code to point users to payment links in more ways.

Customizable buy button
Pay, donate, subscribe, book, etc. Let the link fit the use case.

User-defined amounts
Support “pay what you want” or donation use cases.

Suggested amounts
For user-defined amounts, create presets for a user to choose from.

Social share image
When a link is shared in a messaging app, a preview image will be shown.

Receipts
Automatically generate receipts for each payment.

Product catalog

Products
Create a product catalog to sell your products and services. Create products with a base price and optional variants.

Product variants
Create different variants of a product to offer different options to your customers.

Images
Add images to your products to help your customers understand what they are buying.

Invoicing

Create and send invoices
Generate invoices with line items, tax calculations, and customer details. Send branded invoices via email with automatic payment links.

Invoice tracking
Track invoice status including draft, unpaid, payment-pending, paid, overdue, and canceled. Monitor outstanding balances and payment history at a glance.

Product integration
Add products from your catalog or create custom line items on the fly. Support for quantities, pricing, and tax amounts on each line item.

Customer connections
Select from your existing connected customers or create new customer accounts directly during invoice creation.

Automatic payment links
Every invoice automatically generates a branded payment link that customers can use to pay via ACH or card. Payment links are embedded in invoice emails.

Multiple payment methods
Accept payments via bank transfer (ACH) or card directly from the invoice payment link.

Manual payment recording
Mark invoices as paid manually for payments received outside the platform, with optional reference IDs and payment dates.

Automatic receipts
Generate and send receipts automatically when invoices are paid, providing confirmation to your customers.

Sequential numbering
Automatic sequential invoice numbering (e.g., INV-1000, INV-1001) for easy organization and reference.

Due dates and reminders
Set payment due dates on invoices. Automatic overdue status tracking when payments are late.

Branded PDFs
Professional, branded invoice PDFs are automatically generated and attached to customer emails using your business branding.

Better bookkeeping
Automatic linking between invoices, payment links, transfers, and receipts for seamless financial record keeping.

Bank accounts

Link bank accounts
Collected bank account information for your users securely and we’ll check eligibility across different payment networks.

Account types
Allow users to link checking, savings, loan, or general ledger bank accounts.

Verify bank accounts with instant deposits
Initiate $0.01 verification deposits to RTP to verify bank accounts before debiting them.

Instant account verification with MX
Moov is partnered with MX to provide instant account verification.

Instant account verification with Plaid
Moov is partnered with Plaid to provide instant account verification.

Routing number validation
Validate routing numbers as your users type them against of list of all financial institutions in the US.

Bank logo repository
Show a bank’s logo whenever you show a bank account or bank by routing number.

Bank account updates
If we receive a notice of change from the bank, we’ll apply the corrections automatically.

ACH

Same-day debits
All ACH debits are made with same-day ACH for a better and faster experience.

Same-day credits
Send funds faster with same-day ACH. Windows are 10am, 2:15pm, and 4:15pm ET.

Next-day credits
Send funds via standard ACH. Not as fast as same-day, but it gets the job done. 5:30pm ET cut-off window.

Expedited ACH funding
For approved use cases, remove the risk hold on ACH debits to get access to funds faster.

Trace numbers
View ACH trace numbers for each transfer. These are commonly shown in your user’s bank statements.

ACH addenda
Add addenda to ACH transfers to include additional information in the payment.

Regulation E compliant
From handling returns and properly formatting what shows up in bank statements, let Moov handle it.

Nacha file creation
Moov handles the creation of the character-delimited files and uploads them to the Fed. Built on our open source ACH library.

Automatic SEC codes
Moov applies the appropriate Standard Entry Class Code. Mostly PPD, WEB and CCD.

Reversals, returns, & NOCs
ACH is full of rough edge cases. Moov smooths these out for you and shows you exactly what happened.

Webhooks for returns
Use Moov’s webhook subscriptions to receive notifications when ACH returns occur.

Instant payments

TCH RTP® technology provider
Directly certified and redundantly connected to The Clearing House RTP® network.

TCH RTP® credit push
Send money to bank accounts in near-real-time with RTP®, 24/7/365 with no reversals.

FedNow® service provider
Directly certified and redundantly connected to FedNow® network.

FedNow® credit push
Send money to bank accounts in near-real-time with FedNow®, 24/7/365 with no reversals.

Auto-upgrade bank accounts
Moov will automatically detect if a bank account is eligible to receive payments via RTP®.

Visa Direct
Moov enables push-to-card transactions with connectivity to Visa Direct.

Mastercard Send
Send push-to-card transactions for instant availability of funds with Mastercard Send.

Card eligibility detection
Most debit cards support credit transactions, but Moov tells you definitively when you add a card.

Pull from card
Support account funding use cases by pulling funds from a debit or credit card.

Name validation
Validate the name of the cardholder with Visa Account Name Inquiry or Mastercard Name Verification.

Apple Pay disbursements
Instantly push funds to cards in Apple Pay wallets with the Disbursement Request API.

Google Pay disbursements
Instantly push funds to cards in Google Pay.

Card acquiring

Card network processor
Direct redundant connections to the card networks including Visa®, Mastercard®, American Express®, and Discover®.

Card-not-present payments
Accept card payments or allow businesses you onboard to accept card payments from the major card brands.

Card-on-file
Securely collect payment card details like card number, expiration date, CVV, and zip code using Moov Drops.

Card verification
Moov normalizes results between card brands for CVV, name, and address checks that you can use for your own risk management.

Card verification step-up
For card-on-file use cases, ask a user to confirm their CVV to prevent account takeover fraud.

Apple Pay
Accept Apple Pay on the web with the Payment Request API.

Google Pay
Accept Google Pay on the web with the Payment Request API.

Fast settlement to Moov wallets
Instead of settling acquired funds via ACH to a bank account, funds settle directly into your Moov wallet, providing faster access.

Monetize card payments
Choose how you price card payments to your merchants by marking up interchange or charging a flat rate.

Split funding
Use transfer groups and Moov wallets to split funding between multiple participants as soon as funds settle.

Tipping
Enable tip selection and record a tip as a line item.

Credit card surcharging
Apply a surcharge to cover the cost of accepting a credit card.

Dynamic descriptors
Set transaction descriptions that show up on the payer’s bank statements.

Disputed transactions
Disputes happen. Get notified for every dispute along with the reason from the card network.

Refunds
Issue full or partial refunds for any card transaction.

Cancel transactions
Cancel a card payment to reverse it and release funds back to the cardholder.

Card account updater
If a cardholder gets a new card, the card on file will be automatically updated so you can keep accepting payments.

Card type and issuer
Moov finds the card type and issuing bank for each linked card.

BIN lookup
Determine the supported features, type, and attributes of a card before linking it.

Decline codes
If a card issuer declines a payment, provide the appropriate next steps for your user, like trying again or trying a different card.

International cards
US merchants can accept payments in USD from cards outside of the US.

Tap to Pay on iPhone
Accept contactless payments with just an iPhone.

Tap to Pay on Android
Merchants can accept contactless payments from their Android device.

Card issuing

Instant issuance
Programmatically create virtual cards that are ready to use instantly.

Single-use virtual cards
Create a virtual card that can be used for a single transaction for vendor payments.

Card-on-file
Create cards that can be used for recurring payments at a merchant.

Spend limits
Limit the spend available on a virtual card.

Fund with Moov wallets
Spend funds from the available balance of a Moov wallet.

Program management
Moov not only brings the issuer-processing but also program management.

PCI-friendly Moov Drop
Embed issued cards in your app with a Moov Drop, reducing your PCI DSS requirements.

Developer tools

Moov.js

Moov.js
Browser-side SDK that simplifies interacting with the Moov API.

PII goes straight to Moov
You don’t need to handle SSN or other private data required from users.

npm i @moovio/moov-js
Import Moov.js into your JavaScript project from NPM.

TypeScript bindings
When you import Moov.js into your TypeScript project, your code editor will autocomplete methods.

Moov Drops

Card link
You don’t want to handle a card number yourself, pass it from your user right to Moov.

Security code challenge
Securely ask the user to confirm their card’s CVV to prevent account takeover fraud.

Onboarding
Let us handle the edge cases of creating accounts and going through KYC.

Payment methods
Capture bank account or card details from your users easily.

Issued cards
Embed issued cards in your app with a Moov Drop, reducing your PCI DSS requirements.

Secure data capture
Any data field can be sent directly to Moov with the same security as linking a payment card.

Terms of Service
Easily present and have users accept Moov’s terms of service.

Server-side SDKs

.NET
v26.4.11
moovfinancial/moov-dotnet

Go
v0.47.4
moovfinancial/moov-go

Java
v26.4.11
moovfinancial/moov-java

PHP
v26.4.11
moovfinancial/moov-php

Python
v25.13.2
moovfinancial/moov-python

Ruby
v25.5.11
moovfinancial/moov-ruby

TypeScript
v26.5.5
moovfinancial/moov-typescript

Native mobile SDKs

Android
moovfinancial/moov-android

iOS
v0.25.0
moovfinancial/moov-ios

API

REST API
Anything we can do you can do. And all JSON field names include all their vowels.

Reference docs
View detailed request and response bodies and headers in our public API docs.

Postman collection
To help make your development process simpler, we’ve published a Postman collection with example calls to our API.

Idempotency
Prevent duplicate transfers from being created.

API keys
Create any number of API keys for as many apps as you create.

Restrict API keys to domains
Improve your security posture by restricting API keys to just the domains on which you use them with Moov.js

Disable API keys
Roll your keys whenever you like.

Restrict keys with scopes
Generate an access token with only the ability to perform the actions you specify.

Testing

Test accounts
Build your integration against a sandboxed test account where anything goes.

Time-bending simulations
Simulate real situations, like micro-deposit verification, without having to wait for the realistic timing.

Invite to test account
Optionally limit members of your team to only have access to your test account and not production data.

Moov accounts
Test Moov accounts look just like real accounts except capabilities will automatically enable when requested.

Transfers
Test your flow of funds once or constantly and simulate the settlement process.

Test cards
Test card acceptance and declines using test cards.

Test ACH returns
Simulate ACH returns to test your handling of them.

Events and webhooks

Events from Kafka
Consume events directly off of a Kafka topic as a more scalable alternative to webhooks.

Webhooks
Set up any number of webhooks and subscribe to every event Moov has to offer, or just the ones you care about.

Webhook signatures
Verify webhook messages coming from Moov with signing signatures.

Automatic retries
If we can’t reach your service, we promise we won’t spam it. We’ll retry with exponential backoffs before giving up.

Disable webhooks
If you want to toggle a webhook on or off, it’s a click of a button.

Wildcard
Pick the events you want to subscribe to, or pick all current and future ones.

Enable ChatOps
Send events to Slack to keep your operations team in the know.

Data

Data Sync
Sync your data from Moov to your data warehouse in near-real time.

BigQuery
Data Sync works out of the box with BigQuery in GCP without any ETL.

Your BI tools
Since your data is in your data warehouse, you can add it into your existing data sets.

AI tooling

Docs MCP
Search and read Moov docs from your AI coding assistant using the docs MCP server.

Agent Skills
Give your AI coding assistant offline access to opinionated Moov integration patterns.

Moov MCP
The Moov TypeScript SDK is also an installable MCP server where SDK methods are exposed as tools that can be invoked by AI apps.

Onboarding

Moov accounts

Create accounts
Anything your users can do, you can also do through the Moov Dashboard.

Form shortening
Start with an email address and get business or individual details from a number of public sources.

Manage accounts
View the Moov accounts that belong to your application.

Search across accounts
Find whomever you’re looking for. If you set a foreign ID on an account, you can search by it.

Hosted onboarding
Let Moov handle the onboarding process for your users.

Networked accounts
If a user has already onboarded with Moov, they can link their account to your application without having to re-enter any information.

Business logos
Businesses with websites may have a publicly available logo. If they do, we’ll make it available to you.

Address autocomplete
Use our address auto-completion utility to improve accuracy and create a better user experience.

Easier industry selection
Use our industry auto-completion utility to help users select the right industry for their business.

Resolution links
Resolve verification issues and upload documents without requiring a login.

Capabilities

Capabilities
Request capabilities to enable your users for different funds flows.

Transfers
Allow users to participate in transfers with a small amount of data and no KYC required.

Send funds
Onboard your users to enable them to send funds to other users.

Collect funds
Your users can charge other users.

Wallets
Allow users to store funds in a wallet and use that wallet as a payment method.

Card issuing
Allow users to issue cards tied to their Moov wallet.

Verification

Fast turnaround
Near-instant automatic approvals for up to 98% of individual verifications.

Individual identity verification
Automated verification without requiring documents.

Algorithmic name matching
Account for common name permutations for a more forgiving and human verification.

Address normalization
Addresses are hard. We’ll normalize addresses as we try to verify them to improve results.

SSN last-four
Do more with less. The last four of a Social Security number is usually good enough.

Sanctions screening
Moov subscribes to the most valuable lists to identify bad actors.

Recurring screening
We’ll monitor all legal entities against sanctions lists on a regular basis without you having to worry about it.

Business verification
Automated verification of business registered with any of the 50 Secretary of States.

Beneficial owner verification
Understand the relationship between businesses and their owners.

Detailed verification errors
If something looks off, ask your users to correct it and know where their verification stands.

Subscribe to verification updates
Be in the know when the verification status changes for any of your users.

Terminated Merchant File checks
Moov checks all new accounts against a TMF to prevent fraud and misuse.

Verification document upload
When required, easily provide documents for verification or underwriting via API or the Moov Dashboard.

Website monitoring
Determine if goods/services sold on a merchant's website match the MCC.

Dashboard

General

Progressive web app
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.

Light and dark mode
It looks great in any mode, but honestly, dark mode is chef’s kiss.

Onboard yourself
We’ll walk you through what’s required to go live in the app and let you get to work.

Dashboard metrics
No jargon, just simple metrics that help you keep tabs on the most important things.

Simple permissions
Invite those in your company who need access and let them do just the things they need to.

Manage accounts
Anything your users can do, you can do too through the Moov Dashboard. Great for support teams.

View verification status
Know whether capabilities are already approved, rejected, waiting on manual review, or are missing data.

Manage transfers
Create transfers through our UI and view transfer activity across your app or account by account.

Search by transfer group
Find transfers that share the same transfer group ID and visualize the flow of funds.

Transfer timeline
Visualize every step of the money movement process so you always know where funds are.

Peek previews
Quickly view the details of transfers, accounts, and payment links without having to navigate away from your current page.

Dispute management
View and manage disputes via the Dashboard or API.

Single sign-on
Add your company SSO as an auth provider with OpenID Connect.

Security & reliability

99.5% uptime
We get it, uptime is important, so we’re here for you.

Data privacy
We adhere to industry-standard best practices with regard to your privacy.

Independently tested
Moov contracts with security researchers and pen testers regularly to discover and remediate security vulnerabilities.

SSL & TLS encryption
Bank-level security protects your data and your users’ data, too.

SOC 1 Type 2
Financial reporting controls are well implemented and effective.

SOC 2 Type 2
We regularly demonstrate that our controls and procedures are solid.

PCI Level I
Trust us, PCI compliance is a bear, and we take the burden seriously to make sure we handle the most sensitive data with care.

More on security
View more at our Trust site.