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APIs · head to head

Moov vs Ozone API

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Ozone API logo

Ozone API

APIs

Standards-compliant open banking API layer for banks and regulators

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.; Ozone API it provides the API layer, not the core connectivity, so the bulk of the project is still integrating your own core banking systems and that cost is not in the licence.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Ozone API covers Multi-standard support.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moov and Ozone API actually diverge.

Attributes where Moov and Ozone API differ
AttributeMoovOzone API
Starting price$500/monthOn request
Pricing modelPer transaction plus monthly minimumquote
PlatformsWeb, API, iOS, AndroidWeb, REST API, Linux

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 Ozone API

  • Multi-standard support
  • Consent management
  • Developer portal
  • Regulatory reporting
  • Premium API monetisation
  • Deployment flexibility

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 Ozone API
  • A marketplace paying contractors that wants same-day ACH and instant push-to-card in one API with the cost of each visiblenot Ozone API
  • A platform that must hold balances for end users between collection and payout without becoming a money transmitternot Ozone API
  • A software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increasesnot Ozone API

Ozone API

  • A building society facing an open banking compliance deadline with no API team of its ownnot Moov
  • A bank operating in several jurisdictions that must satisfy different open banking standards at oncenot Moov
  • A regulator or standards body building national open finance infrastructurenot Moov
  • A bank wanting to sell premium APIs beyond the regulatory minimum without building entitlement plumbingnot 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.

Ozone API

  • It provides the API layer, not the core connectivity, so the bulk of the project is still integrating your own core banking systems and that cost is not in the licence.
  • Value is driven by regulatory obligation, so an institution not under a mandate struggles to build a business case for the spend.
  • It is a small UK vendor selling to large regulated institutions, which raises procurement and vendor viability questions during bank due diligence.
  • Premium API monetisation is a genuine capability but few banks have found real demand, so revenue projections used to justify the purchase often do not materialise.
  • Standards evolve continuously and each revision means a change programme in your own systems, even where Ozone absorbs the specification work at the API edge.

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

Ozone API

On request
  • Ozone API$undefined/year
    • Annual licence or managed service subscription, quoted
    • Scaling by institution size, standards in scope and API call volume
    • Implementation and core integration charged separately

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 Ozone API if

  • You need multi-standard support.
  • You work on Web, REST API, Linux.
  • You also want consent management.
Ozone API review

Questions people ask

Is Moov or Ozone API better?
Neither clearly leads. Moov starts at $500/month and Ozone API at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Ozone API?
Moov starts at $500/month and Ozone API at On request.
Does Moov or Ozone API run on more platforms?
Moov runs on Web, API, iOS, Android. Ozone API runs on Web, REST API, Linux.
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 Ozone API is typically brought in for.
What can Moov do that Ozone API cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Ozone API covers Multi-standard support, Consent management, Developer portal, Regulatory reporting.

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.

Ozone API: Is this a competitor to Plaid or TrueLayer?

No, the opposite side. Ozone is bought by the bank exposing data; Plaid and TrueLayer consume it on behalf of third parties.

Moov: What is the monthly minimum?

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

Ozone API: Does it connect to my core banking system?

It provides the standards-compliant API surface and adapters, but connecting your core is an integration project you scope separately.

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.

Ozone API: Which standards does it support?

UK Open Banking, Berlin Group, FDX, Consumer Data Right and Gulf regional standards, among others, from one platform.

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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