APIs · head to head
Moov vs Paymentology
Moov
APIs
Payments API with a published rate card covering card acceptance, ACH and instant payouts
- From
- $500/month
- Rated
- -
Paymentology
APIs
Cloud issuer processing across emerging and developed markets
- From
- On request
- Rated
- -
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.; Paymentology paymentology processes but does not hold issuing licences, so every market still needs your own licence or a sponsor bank, which is usually the slowest and most expensive part of a launch.
- They diverge on capability: Moov covers Interchange-plus card acceptance, Paymentology covers Global issuer processing.
- Prices and features above were last checked on 1 September 2026.
Where they differ
Only the attributes on which Moov and Paymentology actually diverge.
| Attribute | Moov | Paymentology |
|---|---|---|
| Starting price | $500/month | On request |
| Pricing model | Per transaction plus monthly minimum | quote |
| Platforms | Web, API, iOS, Android | Web, 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 Paymentology
- Global issuer processing
- Real time transaction data
- Virtual and physical issuance
- Tokenisation
- Multi currency and multi product
- Card controls
- Programme management tools
- Fraud and risk integration
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 Paymentology
- A marketplace paying contractors that wants same-day ACH and instant push-to-card in one API with the cost of each visiblenot Paymentology
- A platform that must hold balances for end users between collection and payout without becoming a money transmitternot Paymentology
- A software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increasesnot Paymentology
Paymentology
- A neobank launching cards in an African or South East Asian market where hosted United States processors have no certificationnot Moov
- A mobile money operator adding a card product on top of an existing wallet basenot Moov
- A bank consolidating several regional card processors onto one platformnot Moov
- A fintech expanding an existing card programme into the Gulf without re platformingnot 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.
Paymentology
- Paymentology processes but does not hold issuing licences, so every market still needs your own licence or a sponsor bank, which is usually the slowest and most expensive part of a launch.
- Fees include per active card charges and monthly minimums, so a portfolio with many dormant cards pays for plastic that generates no interchange.
- Certification, settlement and scheme relationships differ by country, so a multi market rollout is a series of separate projects rather than one integration.
- As a processor it sits between your product and the networks, meaning outages and scheme mandate changes reach your cardholders through a party you do not control.
- Documentation and developer self service are weaker than the United States hosted processors, so early integration depends heavily on Paymentology implementation staff.
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
Paymentology
On request- Paymentology processing$undefined/year
- Quoted per programme and per market
- Typically per transaction and per active card fees plus a monthly minimum
- Issuing licence or sponsor bank required in each market and not provided
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.
Choose Paymentology if
- You need global issuer processing.
- You work on Web, API.
- You also want real time transaction data.
Questions people ask
- Is Moov or Paymentology better?
- Neither clearly leads. Moov starts at $500/month and Paymentology at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Moov or Paymentology?
- Moov starts at $500/month and Paymentology at On request.
- Does Moov or Paymentology run on more platforms?
- Moov runs on Web, API, iOS, Android. Paymentology 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 Paymentology is typically brought in for.
- What can Moov do that Paymentology cannot?
- Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Paymentology covers Global issuer processing, Real time transaction data, Virtual and physical issuance, Tokenisation.
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.
Paymentology: Does Paymentology provide the BIN and licence?
No. You need your own issuing licence or a sponsor bank in each market; Paymentology processes the transactions.
Moov: What is the monthly minimum?
500 US dollars, with no setup fee. Wallet charges and transaction fees count towards it.
Paymentology: What is the actual pricing model?
Per transaction and per active card, with a monthly minimum. Dormant cards still cost, so model your activation rate.
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.
Paymentology: Why choose it over a United States issuer processor?
Network certification and live programmes in markets where those processors do not operate, which decides feasibility rather than preference.
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.
Related pages
More on Paymentology
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