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APIs · head to head

Episode Six vs Moov

Episode Six logo

Episode Six

APIs

Payment processing and ledger platform deployable on premise or in your own cloud

From
On request
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

  • Each has a real cost: Episode Six deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.; 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: Episode Six covers Tritium API platform, Moov covers Interchange-plus card acceptance.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Episode Six and Moov actually diverge.

Attributes where Episode Six and Moov differ
AttributeEpisode SixMoov
Starting priceOn request$500/month
Pricing modelquotePer transaction plus monthly minimum
PlatformsWeb, API, On-premiseWeb, API, iOS, Android

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 Episode Six

  • Tritium API platform
  • Flexible deployment
  • Multi product issuing
  • Digital wallets
  • Multi currency ledger
  • Network connectivity
  • Configurable product engine
  • Institutional controls

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.

Episode Six

  • A bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloudnot Moov
  • A large institution replacing a legacy card processor without moving off its own infrastructurenot Moov
  • A telco or airline launching a branded wallet and card product at national scalenot Moov
  • A bank running prepaid, debit and credit products that wants them on one ledger rather than three processorsnot Moov

Moov

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

Where each one falls short

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

Episode Six

  • Deployment on premise or in a private tenancy means the institution carries infrastructure, upgrade and PCI scope work that a hosted processor would absorb.
  • Implementation runs to quarters and involves core banking, network certification and fraud system integration, so time to first card is far longer than with a self serve issuer processor.
  • Pricing is entirely bespoke and weighted to large programmes, which prices out fintechs and small issuers who would be better served by a hosted platform.
  • Being smaller than the incumbent processors, its network certifications and operational presence vary by region, so a global rollout can find gaps in specific markets.
  • The flexibility of six hundred APIs and a configurable product engine shifts design responsibility onto the buyer, and institutions without strong internal payments architects end up dependent on professional services.

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

Episode Six

On request
  • Tritium platform$undefined/year
    • Licence and implementation quoted per institution
    • Deployment model affects cost materially: on premise, private cloud or hosted
    • Processing fees typically per transaction or per active 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 Episode Six if

  • You need tritium api platform.
  • You work on Web, API, On-premise.
  • You also want flexible deployment.
Episode Six 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 Episode Six or Moov better?
Neither clearly leads. Episode Six 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, Episode Six or Moov?
Episode Six starts at On request and Moov at $500/month.
Does Episode Six or Moov run on more platforms?
Episode Six runs on Web, API, On-premise. Moov runs on Web, API, iOS, Android.
What is Episode Six best used for?
Episode Six is most often used for a bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloud, a large institution replacing a legacy card processor without moving off its own infrastructure, a telco or airline launching a branded wallet and card product at national scale, a bank running prepaid, debit and credit products that wants them on one ledger rather than three processors. Of those, a bank in a jurisdiction with data residency rules that forbid processing customer data in a shared multi tenant cloud and a large institution replacing a legacy card processor without moving off its own infrastructure are not what Moov is typically brought in for.
What can Episode Six do that Moov cannot?
Episode Six covers Tritium API platform, Flexible deployment, Multi product issuing, Digital wallets. Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.

Answered from the vendors’ own pages

Episode Six: Can Episode Six run inside our own data centre?

Yes. On premise and private cloud deployment is the main reason banks choose it over hosted only processors.

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.

Episode Six: Is it suitable for a startup issuing its first cards?

Not really. The licence, implementation timeline and cost are aimed at banks and large institutions.

Moov: What is the monthly minimum?

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

Episode Six: Do we still need a card licence or sponsor?

Yes. Episode Six is a processor. Network membership, licensing or a sponsor arrangement remains your responsibility.

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.

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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