Softwr

APIs · head to head

i2c vs Moov

i2c logo

i2c

APIs

Configurable card issuing and banking processing platform for banks and programme managers

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: i2c developer experience lags API-native competitors, and teams expecting Stripe-grade documentation and sandboxes find an enterprise integration project instead.; 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: i2c covers Configurable product engine, 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 i2c and Moov actually diverge.

Attributes where i2c and Moov differ
Attributei2cMoov
Starting priceOn request$500/month
Pricing modelquotePer transaction plus monthly minimum
PlatformsWeb, REST APIWeb, 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 i2c

  • Configurable product engine
  • Credit and instalments
  • Multi-currency
  • Fraud and risk tooling
  • Digital banking front ends
  • Global scheme connectivity

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.

i2c

  • A bank wanting credit, debit and prepaid portfolios on one processor rather than threenot Moov
  • An issuer in a market where local scheme and currency support rules out US-centric processorsnot Moov
  • A programme manager launching instalment products without building a lending corenot Moov
  • A credit union replacing an ageing processor without writing custom code for product rulesnot Moov

Moov

  • A vertical SaaS company embedding payments that needs published unit economics to price its own product before signing anythingnot i2c
  • A marketplace paying contractors that wants same-day ACH and instant push-to-card in one API with the cost of each visiblenot i2c
  • A platform that must hold balances for end users between collection and payout without becoming a money transmitternot i2c
  • A software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increasesnot i2c

Where each one falls short

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

i2c

  • Developer experience lags API-native competitors, and teams expecting Stripe-grade documentation and sandboxes find an enterprise integration project instead.
  • Implementations lean on i2c or partner professional services, so timelines and costs are set by a services queue rather than by your own engineering speed.
  • Pricing is per active card and per transaction with monthly minimums, none of it published, so comparing bids requires modelling your own portfolio carefully.
  • Configuration flexibility means product behaviour lives in platform settings rather than in your repository, which complicates version control, testing and audit trails.
  • As a private company with a broad global footprint, regional support depth is uneven, and a programme in a smaller market may get thinner service than a flagship account.

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

i2c

On request
  • i2c processing platform$undefined/year
    • Per-active-card and per-transaction processing fees
    • Minimum monthly commitments by programme
    • Implementation and configuration professional services

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 i2c if

  • You need configurable product engine.
  • You work on Web, REST API.
  • You also want credit and instalments.
i2c 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 i2c or Moov better?
Neither clearly leads. i2c 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, i2c or Moov?
i2c starts at On request and Moov at $500/month.
Does i2c or Moov run on more platforms?
i2c runs on Web, REST API. Moov runs on Web, API, iOS, Android.
What is i2c best used for?
i2c is most often used for a bank wanting credit, debit and prepaid portfolios on one processor rather than three, an issuer in a market where local scheme and currency support rules out us-centric processors, a programme manager launching instalment products without building a lending core, a credit union replacing an ageing processor without writing custom code for product rules. Of those, a bank wanting credit, debit and prepaid portfolios on one processor rather than three and an issuer in a market where local scheme and currency support rules out us-centric processors are not what Moov is typically brought in for.
What can i2c do that Moov cannot?
i2c covers Configurable product engine, Credit and instalments, Multi-currency, Fraud and risk tooling. Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.

Answered from the vendors’ own pages

i2c: Does i2c issue the cards itself?

No. It processes; issuance sits with a bank or licensed issuer, and in most markets you need that relationship separately.

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.

i2c: Can it handle revolving credit?

Yes. Credit, instalments and buy-now-pay-later sit on the same platform as debit and prepaid, which is unusual among modern processors.

Moov: What is the monthly minimum?

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

i2c: Is it self-serve?

No. Expect a configuration-led implementation with professional services rather than signing up and calling an API.

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.

Share

Related pages

More on i2c

More on Moov

Keep looking

Other head to heads