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APIs · head to head

Marqeta vs Moov

Marqeta logo

Marqeta

APIs

Card issuing and transaction processing APIs with just-in-time funding

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: Marqeta you still need a sponsor bank and a BIN, so the timeline and compliance burden of launching are set by a bank you must separately court and satisfy.; 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: Marqeta covers Just-in-time funding, 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 Marqeta and Moov actually diverge.

Attributes where Marqeta and Moov differ
AttributeMarqetaMoov
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 Marqeta

  • Just-in-time funding
  • Virtual and physical issuing
  • Spend controls
  • Programme management tools
  • Multi-region issuing
  • Webhooks and ledger data

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.

Marqeta

  • A delivery marketplace funding courier cards only at the moment a courier pays for the ordernot Moov
  • An expense platform issuing a virtual card per subscription with merchant locksnot Moov
  • A lender issuing a card that draws on an approved credit line rather than a stored balancenot Moov
  • A fintech wanting the same issuing stack across US and European programmesnot Moov

Moov

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

Where each one falls short

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

Marqeta

  • You still need a sponsor bank and a BIN, so the timeline and compliance burden of launching are set by a bank you must separately court and satisfy.
  • Pricing carries minimum monthly platform commitments, so a programme with modest card volume pays for capacity it never uses.
  • Programme revenue depends heavily on interchange, which means regulated debit interchange caps and European interchange caps materially change the business case by market.
  • Disputes, chargebacks and fraud losses sit with the programme, and teams that assumed the processor absorbed them discover a real operations headcount requirement.
  • Just-in-time funding makes your own authorisation endpoint a hard availability dependency; if it is slow or down, cards decline at the point of sale.

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

Marqeta

On request
  • Marqeta card issuing$undefined/year
    • Minimum monthly platform fee plus per-transaction and per-active-card charges
    • Interchange share negotiated between programme, processor and sponsor bank
    • Sponsor bank required, with its own fees and approval process

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 Marqeta if

  • You need just-in-time funding.
  • You work on Web, REST API.
  • You also want virtual and physical issuing.
Marqeta 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 Marqeta or Moov better?
Neither clearly leads. Marqeta 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, Marqeta or Moov?
Marqeta starts at On request and Moov at $500/month.
Does Marqeta or Moov run on more platforms?
Marqeta runs on Web, REST API. Moov runs on Web, API, iOS, Android.
What is Marqeta best used for?
Marqeta is most often used for a delivery marketplace funding courier cards only at the moment a courier pays for the order, an expense platform issuing a virtual card per subscription with merchant locks, a lender issuing a card that draws on an approved credit line rather than a stored balance, a fintech wanting the same issuing stack across us and european programmes. Of those, a delivery marketplace funding courier cards only at the moment a courier pays for the order and an expense platform issuing a virtual card per subscription with merchant locks are not what Moov is typically brought in for.
What can Marqeta do that Moov cannot?
Marqeta covers Just-in-time funding, Virtual and physical issuing, Spend controls, Programme management tools. Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets.

Answered from the vendors’ own pages

Marqeta: Do I need a sponsor bank?

Yes. Marqeta is an issuer processor, not a bank. Card programmes run on a sponsor bank BIN, and that bank approves and supervises your programme.

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.

Marqeta: How does the pricing really work?

A minimum monthly platform fee plus per-transaction and per-active-card charges, offset by a negotiated share of interchange. The interchange split is the substance of the deal.

Moov: What is the monthly minimum?

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

Marqeta: What is just-in-time funding?

Marqeta calls your endpoint at authorisation so you decide and fund each transaction, rather than pre-loading balances onto cards.

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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