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APIs · head to head

LiteLLM vs Moov

LiteLLM logo

LiteLLM

APIs

The AI Gateway for platform teams

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 LiteLLM has a free tier, so it costs nothing to try first.
  • Each has a real cost: LiteLLM enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales; 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.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which LiteLLM and Moov actually diverge.

Attributes where LiteLLM and Moov differ
AttributeLiteLLMMoov
Starting priceFree$500/month
Pricing modelopen-sourcePer transaction plus monthly minimum
Free tierYesNo
PlatformsWebWeb, 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 LiteLLM

Nothing recorded that Moov does not also cover.

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.

LiteLLM

  • Accessing 140+ LLM providers through single APInot Moov
  • Implementing cost-based routing for advanced AI tasksnot Moov
  • Deploying new LLM models usually within a daynot Moov
  • Switching backend models with config changes onlynot Moov
  • Maintaining consistent access across 100+ endpointsnot Moov

Moov

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

Where each one falls short

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

LiteLLM

  • Enterprise pricing based on annual request capacity and deployment architecture, sized via direct sales
  • Not per-token based pricing for Enterprise tier

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

LiteLLM

Free
  • Open SourceFree
    • 100+ providers
    • One OpenAI API
    • Virtual keys
  • Enterprise$null/mo
    • All Open Source features
    • SSO + SCIM
    • OIDC/JWT authentication

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 LiteLLM if

  • You want to start without paying.
LiteLLM 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 LiteLLM or Moov better?
Neither clearly leads. LiteLLM 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, LiteLLM or Moov?
LiteLLM has a free tier; the other does not. Paid plans start at Free for LiteLLM and $500/month for Moov.
Does LiteLLM or Moov run on more platforms?
LiteLLM runs on Web. Moov runs on Web, API, iOS, Android.
Can I use LiteLLM for free?
Yes. LiteLLM has a free tier, so you can try it without paying. Moov starts at $500/month.
What is LiteLLM best used for?
LiteLLM is most often used for accessing 140+ llm providers through single api, implementing cost-based routing for advanced ai tasks, deploying new llm models usually within a day, switching backend models with config changes only. Of those, accessing 140+ llm providers through single api and implementing cost-based routing for advanced ai tasks are not what Moov is typically brought in for.
What can LiteLLM do that Moov cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.

Answered from the vendors’ own pages

LiteLLM: Is LiteLLM free to use?

Yes, LiteLLM's open-source version is free forever and requires no credit card. Self-host in minutes with support for 100+ LLM providers.

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.

LiteLLM: What does LiteLLM's Enterprise plan cost?

Enterprise pricing is custom and annual, sized based on your annual gateway request capacity, deployment architecture, and support needs. Not charged per token.

Source
Moov: What is the monthly minimum?

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

LiteLLM: Is there a free trial for Enterprise?

Yes, a 30-day Enterprise trial key is available via email with no credit card required.

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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