# 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](https://docs.moov.io/guides/money-movement/overview/)

**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](https://github.com/moov-io/ach).

**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](https://docs.moov.io/moovjs/installation/) 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](https://github.com/moovfinancial/moov-dotnet)

**Go**  
**v0.47.4**  
[moovfinancial/moov-go](https://github.com/moovfinancial/moov-go)

**Java**  
**v26.4.11**  
[moovfinancial/moov-java](https://github.com/moovfinancial/moov-java)

**PHP**  
**v26.4.11**  
[moovfinancial/moov-php](https://github.com/moovfinancial/moov-php)

**Python**  
**v25.13.2**  
[moovfinancial/moov-python](https://github.com/moovfinancial/moov-python)

**Ruby**  
**v25.5.11**  
[moovfinancial/moov-ruby](https://github.com/moovfinancial/moov-ruby)

**TypeScript**  
**v26.5.5**  
[moovfinancial/moov-typescript](https://github.com/moovfinancial/moov-typescript)

### Native mobile SDKs

**Android**  
[moovfinancial/moov-android](https://github.com/moovfinancial/moov-android)

**iOS**  
**v0.25.0**  
[moovfinancial/moov-ios](https://github.com/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](https://docs.moov.io/api).

**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](https://trust.moov.io/).