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APIs · head to head

Moov vs Paw

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Paw logo

Paw

APIs

Full-featured REST client for macOS with powerful scripting and testing

From
$99/one-time
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.; Paw no specific pricing amounts published for subscription tiers
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Paw covers REST Client.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Paw actually diverge.

Attributes where Moov and Paw differ
AttributeMoovPaw
Starting price$500/month$99/one-time
Pricing modelPer transaction plus monthly minimumsubscription
PlatformsWeb, API, iOS, AndroidMacOS
FoundedUnknown2013

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 Paw

  • REST Client
  • Scripting
  • Dynamic Values
  • Slack
  • GitHub
  • Custom extensions
  • MacOS support

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

Paw

  • API Developmentnot Moov
  • API Gatewaynot Moov
  • API Testingnot Moov
  • API Documentationnot Moov
  • Microservicesnot 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.

Paw

  • No specific pricing amounts published for subscription tiers
  • Individual and volume licensing requires direct contact
  • Limited details on team subscription pricing

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

Paw

$99/one-time
  • Standard$99/one-time
    • Full REST client
    • Advanced scripting
    • Extensions
  • Annual License$49/yearly
    • All features
    • Updates
    • Priority support

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 Paw if

  • You need rest client.
  • You work on MacOS.
  • You also want scripting.
Paw review

Questions people ask

Is Moov or Paw better?
Neither clearly leads. Moov starts at $500/month and Paw at $99/one-time, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Paw?
Moov starts at $500/month and Paw at $99/one-time.
Does Moov or Paw run on more platforms?
Moov runs on Web, API, iOS, Android. Paw runs on MacOS.
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 Paw is typically brought in for.
What can Moov do that Paw cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Paw covers REST Client, Scripting, Dynamic Values, Slack.

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.

Paw: How much does RapidAPI for Mac (Paw) cost?

Paw offers a free tier for personal and professional use. Paid subscription plans are available on monthly and yearly billing, but specific pricing amounts are not disclosed and require direct contact with RapidAPI.

Source
Moov: What is the monthly minimum?

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

Paw: Is there a free version of Paw?

Yes, RapidAPI for Mac (Paw) is free for both personal and professional use.

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.

Paw: What features are included in the free version of Paw?

The free tier includes HTTP client capabilities for API testing, API documentation, personal sync across devices, and support for Swagger, RAML, and API Blueprint formats.

Source
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.

Paw: What additional features do Paw team subscriptions include?

Team subscription plans include all personal features plus collaborative tools, team project access, synchronized workflows with safe data merges, and real-time notifications and updates.

Source
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