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APIs · head to head

Convoy vs Moov

Convoy logo

Convoy

APIs

Open source webhooks gateway you self-host, handling both sending and receiving

From
Free
Rated
-
Full reviewWebsite
Moov logo

Moov

APIs

Payments API with a published rate card covering card acceptance, ACH and instant payouts

From
$500/month
Rated
-
Full reviewWebsite

The short version

  • Only Convoy has a free tier, so it costs nothing to try first.
  • Each has a real cost: Convoy the default deployment is self-hosted, so you operate Convoy plus Postgres and Redis and carry the on-call burden for the system that delivers your customers' events.; 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: Convoy covers Inbound and outbound, 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 Convoy and Moov actually diverge.

Attributes where Convoy and Moov differ
AttributeConvoyMoov
Starting priceFree$500/month
Pricing modelPer month, flat rate regardless of volumePer transaction plus monthly minimum
Free tierYesNo
PlatformsLinux, Docker, Kubernetes, CloudWeb, API, iOS, Android

Identical on both: 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 Convoy

  • Inbound and outbound
  • Broker-driven ingestion
  • Payload transformation
  • Portal links
  • Circuit breaking
  • Retry policies
  • OpenTelemetry export
  • Role-based access control

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.

Convoy

  • A fintech that cannot route customer webhook traffic through a third-party SaaS for compliance reasonsnot Moov
  • A high-volume platform for which per-message webhook pricing costs more than the flat premium licencenot Moov
  • A team that also receives webhooks from many providers and wants ingestion, verification and deduplication in the same gatewaynot Moov
  • An engineering group that wants webhook delivery driven directly from an existing Kafka or SQS topicnot Moov

Moov

  • A vertical SaaS company embedding payments that needs published unit economics to price its own product before signing anythingnot Convoy
  • A marketplace paying contractors that wants same-day ACH and instant push-to-card in one API with the cost of each visiblenot Convoy
  • A platform that must hold balances for end users between collection and payout without becoming a money transmitternot Convoy
  • A software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increasesnot Convoy

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Convoy

  • The default deployment is self-hosted, so you operate Convoy plus Postgres and Redis and carry the on-call burden for the system that delivers your customers' events.
  • Frain Technologies is a small startup, and putting customer-facing delivery infrastructure on it means accepting real vendor continuity risk on a component that is hard to swap out quickly.
  • The premium tier at a flat 999 US dollars a month is poor value below substantial volume, while the community edition omits the portal, transformations and RBAC that most production deployments end up wanting.
  • The hosted cloud trial is capped at one project and 100 events a day, which is too small to properly evaluate the service before committing.
  • Documentation and the third-party ecosystem are thinner than the established webhook services, so unusual configurations often mean reading the Go source.

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

Convoy

Free
  • CommunityFree
    • Self-hosted open source gateway
    • Inbound and outbound webhooks
    • Automatic retries and message broker support
  • Premium$999/month
    • Flat rate irrespective of message volume
    • Portal links and payload transformation
    • RBAC, circuit breaking and white labelling
  • Enterprise$undefined/year
    • SAML SSO
    • Dedicated support with SLA
    • On-premises deployment assistance
  • Cloud$undefined/month
    • Hosted by Convoy
    • 14 day trial limited to one project and 100 events a day
    • Usage-based tiers above the trial

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 Convoy if

  • You need inbound and outbound.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes, Cloud.
  • You also want broker-driven ingestion.
Convoy review

Choose Moov if

  • You need interchange-plus card acceptance.
  • You work on Web, API, iOS, Android.
  • You also want ach transfers.
Moov review

Questions people ask

Is Convoy or Moov better?
Neither clearly leads. Convoy starts at Free and Moov at $500/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Convoy or Moov?
Convoy has a free tier; the other does not. Paid plans start at Free for Convoy and $500/month for Moov.
Does Convoy or Moov run on more platforms?
Convoy runs on Linux, Docker, Kubernetes, Cloud. Moov runs on Web, API, iOS, Android.
Can I use Convoy for free?
Yes. Convoy has a free tier, so you can try it without paying. Moov starts at $500/month.
What is Convoy best used for?
Convoy is most often used for a fintech that cannot route customer webhook traffic through a third-party saas for compliance reasons, a high-volume platform for which per-message webhook pricing costs more than the flat premium licence, a team that also receives webhooks from many providers and wants ingestion, verification and deduplication in the same gateway, an engineering group that wants webhook delivery driven directly from an existing kafka or sqs topic. Of those, a fintech that cannot route customer webhook traffic through a third-party saas for compliance reasons and a high-volume platform for which per-message webhook pricing costs more than the flat premium licence are not what Moov is typically brought in for.
What can Convoy do that Moov cannot?
Convoy covers Inbound and outbound, Broker-driven ingestion, Payload transformation, Portal links. Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.

Answered from the vendors’ own pages

Convoy: Is Convoy really open source?

Yes, the community edition is open source and self-hostable, covering both inbound and outbound webhooks with retries.

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.

Convoy: What does premium cost?

A flat 999 US dollars a month, self-hosted, regardless of message volume.

Moov: What is the monthly minimum?

500 US dollars, with no setup fee. Wallet charges and transaction fees count towards it.

Convoy: Does it receive webhooks as well as send them?

Yes, inbound ingestion with verification and deduplication is a first-class feature, unlike most webhook services.

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.

Convoy: Do I have to self-host?

No, there is a hosted cloud, but the trial is capped at 100 events a day and self-hosting is the primary model.

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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