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APIs · head to head

Moov vs Neonomics

Moov logo

Moov

APIs

Payments API with a published rate card covering card acceptance, ACH and instant payouts

From
$500/month
Rated
-
Full reviewWebsite
Neonomics logo

Neonomics

APIs

Nordic open banking payments and data, now with UK coverage through Ordo

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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.; Neonomics coverage outside the Nordics and the UK is comparatively shallow, so a pan European merchant will find gaps and inconsistent bank behaviour in southern and eastern markets.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Neonomics covers Payment initiation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moov and Neonomics actually diverge.

Attributes where Moov and Neonomics differ
AttributeMoovNeonomics
Starting price$500/monthOn request
Pricing modelPer transaction plus monthly minimumquote
PlatformsWeb, API, iOS, AndroidWeb, API

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 Moov

  • Interchange-plus card acceptance
  • ACH transfers
  • Instant payments
  • Wallets
  • Payment links and invoices
  • Virtual cards
  • Account verification
  • Card account updater

Only in Neonomics

  • Payment initiation
  • Account information
  • Nordic bank depth
  • UK coverage via Ordo
  • Variable recurring payments
  • Request to pay
  • White label journeys
  • Reconciliation data

What people use each for

The jobs each tool is most often brought in to do.

Moov

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

Neonomics

  • A Norwegian or Swedish merchant collecting payments directly from bank accounts to avoid card feesnot Moov
  • A debt collection agency sending request to pay messages instead of chasing bank transfers manuallynot Moov
  • A software vendor embedding pay by bank into an accounting or invoicing product for Nordic customersnot Moov
  • A business needing both UK and Nordic bank payment coverage from one suppliernot Moov

Where each one falls short

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

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.

Neonomics

  • Coverage outside the Nordics and the UK is comparatively shallow, so a pan European merchant will find gaps and inconsistent bank behaviour in southern and eastern markets.
  • It is a small company relative to Tink and TrueLayer, so supplier viability and the depth of engineering support behind bank API changes are genuine procurement questions.
  • Payment initiation only means the merchant handles settlement, reconciliation and refunds, and there is no chargeback framework to fall back on.
  • Integrating a recently acquired UK business means two regulatory entities and, for a period, two technology stacks, so cross market feature parity is a promise rather than an existing state.
  • Conversion is governed by each bank's own authentication experience, and Nordic BankID flows behave differently from UK app redirects, so a single UX cannot be assumed across the footprint.

Pricing, plan by plan

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

Neonomics

On request
  • Neonomics platform$undefined/year
    • Quoted per customer, typically per initiated payment or per API call
    • Volume commitments and monthly minimums are common
    • Payment initiation only; merchant handles settlement and refunds

Which should you pick?

Choose Moov if

  • You need interchange-plus card acceptance.
  • You work on Web, API, iOS, Android.
  • You also want ach transfers.
Moov review

Choose Neonomics if

  • You need payment initiation.
  • You work on Web, API.
  • You also want account information.
Neonomics review

Questions people ask

Is Moov or Neonomics better?
Neither clearly leads. Moov starts at $500/month and Neonomics at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Neonomics?
Moov starts at $500/month and Neonomics at On request.
Does Moov or Neonomics run on more platforms?
Moov runs on Web, API, iOS, Android. Neonomics runs on Web, API.
What is Moov best used for?
Moov is most often used for a vertical saas company embedding payments that needs published unit economics to price its own product before signing anything, a marketplace paying contractors that wants same-day ach and instant push-to-card in one api with the cost of each visible, a platform that must hold balances for end users between collection and payout without becoming a money transmitter, a software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increases. Of those, a vertical saas company embedding payments that needs published unit economics to price its own product before signing anything and a marketplace paying contractors that wants same-day ach and instant push-to-card in one api with the cost of each visible are not what Neonomics is typically brought in for.
What can Moov do that Neonomics cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Neonomics covers Payment initiation, Account information, Nordic bank depth, UK coverage via Ordo.

Answered from the vendors’ own pages

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.

Neonomics: Is Neonomics authorised in the UK?

Yes, through the acquisition of Ordo, an FCA authorised open banking payments firm, approved by the FCA and the Norwegian regulator.

Moov: What is the monthly minimum?

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

Neonomics: Does it support variable recurring payments?

Yes in the UK through the Ordo capability, subject to which banks support commercial VRP; support elsewhere is more limited.

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.

Neonomics: Does Neonomics hold merchant funds?

No. It initiates payments; settlement, reconciliation and refunds remain with the merchant or its payment provider.

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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