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APIs · head to head

GraphQL Apollo vs Moov

GraphQL Apollo logo

GraphQL Apollo

APIs

Complete platform for building GraphQL APIs

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 GraphQL Apollo has a free tier, so it costs nothing to try first.
  • Each has a real cost: GraphQL Apollo standard and Enterprise plans require sales contact for custom pricing; 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: GraphQL Apollo covers Apollo Server, 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 GraphQL Apollo and Moov actually diverge.

Attributes where GraphQL Apollo and Moov differ
AttributeGraphQL ApolloMoov
Starting priceFree$500/month
Pricing modelfreemiumPer transaction plus monthly minimum
Free tierYesNo
PlatformsJavaScript, Node.js, Web, MobileWeb, API, iOS, Android
Founded2016Unknown

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 GraphQL Apollo

  • Apollo Server
  • Apollo Client
  • GraphQL Federation
  • REST APIs
  • Microservices
  • Databases
  • JavaScript support
  • Node.js support

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.

GraphQL Apollo

  • GraphQL API managementnot Moov
  • Schema federationnot Moov
  • API analytics and monitoringnot Moov
  • Developer-focused infrastructurenot Moov

Moov

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

Where each one falls short

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

GraphQL Apollo

  • Standard and Enterprise plans require sales contact for custom pricing
  • Free plan limited to 3 developers and 1-day retention
  • Self-hosted router on free tier heavily rate-limited to 60 requests/minute

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

GraphQL Apollo

Free
  • FreeFree
    • 3 developers
    • 1-day data retention
    • Community support only
  • Developer$5/per million requests
    • $50 usage credit for new signups
    • Up to 10 developers
    • 7-day data retention
  • Standard$null/custom
    • Up to 30 developers
    • 90-day data retention
    • Standard support with SLA (8x5)
  • Enterprise$null/custom
    • Unlimited developers
    • 18-month data retention
    • Business support 24x7x365 with SLA

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 GraphQL Apollo if

  • You need apollo server.
  • You want to start without paying.
  • You work on JavaScript, Node.js, Web, Mobile.
  • You also want apollo client.
GraphQL Apollo 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 GraphQL Apollo or Moov better?
Neither clearly leads. GraphQL Apollo 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, GraphQL Apollo or Moov?
GraphQL Apollo has a free tier; the other does not. Paid plans start at Free for GraphQL Apollo and $500/month for Moov.
Does GraphQL Apollo or Moov run on more platforms?
GraphQL Apollo runs on JavaScript, Node.js, Web, Mobile. Moov runs on Web, API, iOS, Android.
Can I use GraphQL Apollo for free?
Yes. GraphQL Apollo has a free tier, so you can try it without paying. Moov starts at $500/month.
What is GraphQL Apollo best used for?
GraphQL Apollo is most often used for graphql api management, schema federation, api analytics and monitoring, developer-focused infrastructure. Of those, graphql api management and schema federation are not what Moov is typically brought in for.
What can GraphQL Apollo do that Moov cannot?
GraphQL Apollo covers Apollo Server, Apollo Client, GraphQL Federation, REST APIs. Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.

Answered from the vendors’ own pages

GraphQL Apollo: How much does Apollo GraphQL cost?

Apollo GraphQL is free for up to 3 developers. Paid plans start at $5 per million GraphQL requests on the Developer plan, which includes $50 usage credit for new signups. Standard and Enterprise plans require custom pricing via sales contact.

Source
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.

GraphQL Apollo: Is there a free version of Apollo GraphQL?

Yes, Apollo GraphQL offers a forever-free plan with no credit card required for up to 3 developers, including 1-day data retention, community support, and self-hosted GraphOS Router rate-limited to 60 requests per minute.

Source
Moov: What is the monthly minimum?

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

GraphQL Apollo: What does Apollo's Enterprise plan include that Standard does not?

The Enterprise plan offers unlimited developers versus 30 on Standard, 18-month data retention versus 90 days, and 24x7x365 business support with SLA instead of 8x5 support. It also includes premium and professional services add-ons and custom MSA agreements. Both require custom pricing.

Source
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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