APIs · head to head
Akoya vs Moov
Akoya
APIs
Bank-owned, token-based open finance network that replaces screen scraping for US financial data
- From
- On request
- Rated
- -
Moov
APIs
Payments API with a published rate card covering card acceptance, ACH and instant payouts
- From
- $500/month
- Rated
- -
The short version
- Each has a real cost: Akoya coverage reaches several thousand institutions but does not match aggregators that can still scrape, so applications needing the long tail of small credit unions will run a second data provider alongside it.; Moov the 500 US dollar monthly minimum makes Moov unattractive below roughly 80,000 dollars a month of card volume, since the minimum rather than the rate becomes your effective price.
- They diverge on capability: Akoya covers FDX standard APIs, Moov covers Interchange-plus card acceptance.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Akoya and Moov actually diverge.
Identical on both: free tier (No), user rating (Not yet rated), category (APIs).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Akoya
- FDX standard APIs
- Token-based access
- Investment data
- Accounts, balances and transactions
- Statements and tax forms
- Customer identity
- Consumer permission management
- Single integration
Only in Moov
- Interchange-plus card acceptance
- ACH transfers
- Instant payments
- Wallets
- Payment links and invoices
- Virtual cards
- Account verification
- Card account updater
What people use each for
The jobs each tool is most often brought in to do.
Akoya
- A wealth management platform that needs Fidelity brokerage holdings and tax lots, which cannot be scraped since Fidelity closed that route in October 2023not Moov
- A tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload PDFsnot Moov
- A lender that needs a permissioning trail defensible under CFPB section 1033 rather than a credential-sharing arrangementnot Moov
- A bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interfacenot Moov
Moov
- A vertical SaaS company embedding payments that needs published unit economics to price its own product before signing anythingnot Akoya
- A marketplace paying contractors that wants same-day ACH and instant push-to-card in one API with the cost of each visiblenot Akoya
- A platform that must hold balances for end users between collection and payout without becoming a money transmitternot Akoya
- A software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increasesnot Akoya
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Akoya
- Coverage reaches several thousand institutions but does not match aggregators that can still scrape, so applications needing the long tail of small credit unions will run a second data provider alongside it.
- The network is owned by large banks, so roadmap and coverage priorities reflect owner interests rather than those of the fintechs consuming the data, and a recipient has no leverage over which institutions are added next.
- Data availability is decided institution by institution, meaning a bank may expose balances but not transactions or investments, and recipients must verify field-level coverage per institution rather than assume the FDX model is fully populated.
- Pricing is unpublished and usage based, which makes it difficult to compare against aggregator pricing during a build-versus-buy decision and forces a sales cycle before you can model cost.
- The token model requires the institution to have implemented its side, so newly onboarded institutions arrive on the institution timetable, not yours, and a launch dependent on a specific bank can slip badly.
Moov
- The 500 US dollar monthly minimum makes Moov unattractive below roughly 80,000 dollars a month of card volume, since the minimum rather than the rate becomes your effective price.
- The 50 cent monthly charge per active wallet penalises platforms with many end users who transact rarely, and that cost grows with your user base rather than your revenue.
- United States only, so any platform with international sellers or buyers needs a second provider and a second reconciliation process.
- At very high volume the published interchange-plus markup is less competitive than a directly negotiated acquiring relationship, so success eventually creates a reason to leave.
- The ecosystem of prebuilt integrations, plugins and third-party tooling is far smaller than Stripe's, so anything outside the core API, from tax handling to subscription logic, is work you build yourself.
Pricing, plan by plan
Akoya
On request- Akoya Data Access$undefined/year
- Usage-based pricing quoted by data product and call volume
- Separate commercial terms for data recipients and for financial institutions joining the network
- No published rate card
Moov
$500/month- Standard$500/month
- 500 USD monthly minimum, no setup fee
- Card online at interchange plus 0.60% and 15c
- Tap to pay at interchange plus 0.50% and 15c
- Custom$undefined/month
- Negotiated rates for high volume
- Specialised business models
- Dedicated support
Which should you pick?
Choose Moov if
- You need interchange-plus card acceptance.
- You work on Web, API, iOS, Android.
- You also want ach transfers.
Questions people ask
- Is Akoya or Moov better?
- Neither clearly leads. Akoya starts at On request and Moov at $500/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Akoya or Moov?
- Akoya starts at On request and Moov at $500/month.
- Does Akoya or Moov run on more platforms?
- Akoya runs on Web. Moov runs on Web, API, iOS, Android.
- What is Akoya best used for?
- Akoya is most often used for a wealth management platform that needs fidelity brokerage holdings and tax lots, which cannot be scraped since fidelity closed that route in october 2023, a tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload pdfs, a lender that needs a permissioning trail defensible under cfpb section 1033 rather than a credential-sharing arrangement, a bank that wants to meet data sharing obligations through one network connection instead of building and policing its own developer interface. Of those, a wealth management platform that needs fidelity brokerage holdings and tax lots, which cannot be scraped since fidelity closed that route in october 2023 and a tax preparation product retrieving tax forms and cost basis directly from the institution rather than asking users to upload pdfs are not what Moov is typically brought in for.
- What can Akoya do that Moov cannot?
- Akoya covers FDX standard APIs, Token-based access, Investment data, Accounts, balances and transactions. Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.
Answered from the vendors’ own pages
Akoya: Who owns Akoya?
A group of large US banks. It was spun out of Fidelity, which is why Fidelity data access runs through it.
Moov: Does Moov publish its prices?
Yes, in unusual detail: interchange-plus card rates, per-transaction ACH and RTP charges, dispute and return fees, and the monthly minimum are all on the pricing page.
Akoya: Is Akoya screen scraping?
No. It uses FDX standard APIs with OpenID Connect tokens, so credentials are never shared with or stored by the data recipient.
Moov: What is the monthly minimum?
500 US dollars, with no setup fee. Wallet charges and transaction fees count towards it.
Akoya: Can we use Akoya alone instead of an aggregator?
Usually not. Its investment and large-institution coverage is excellent, but the long tail of smaller institutions is thinner, so most teams run both.
Moov: Can I use Moov outside the United States?
No. Moov handles US payments only, though it accepts international cards at an extra 1.5 percent.
Akoya: Does it help with CFPB section 1033?
It is designed around it, providing tokenised permissioned access and consumer revocation rather than credential sharing.
Moov: Is Moov a bank?
No. It is a payments platform working with partner financial institutions, so account and settlement arrangements depend on those partners.
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