APIs · head to head
Moov vs Prisma
Moov
APIs
Payments API with a published rate card covering card acceptance, ACH and instant payouts
- From
- $500/month
- Rated
- -
The short version
- Only Prisma has a free tier, so it costs nothing to try first.
- 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.; Prisma prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- They diverge on capability: Moov covers Interchange-plus card acceptance, Prisma covers ORM.
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which Moov and Prisma actually diverge.
Identical on both: 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 Prisma
- ORM
- Query builder
- Auto-migrations
- Node.js
- TypeScript
- GraphQL
- REST APIs
- Node.js 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 Prisma
- A marketplace paying contractors that wants same-day ACH and instant push-to-card in one API with the cost of each visiblenot Prisma
- A platform that must hold balances for end users between collection and payout without becoming a money transmitternot Prisma
- A software company moving off a legacy gateway that wants interchange-plus transparency instead of a blended rate that hides interchange increasesnot Prisma
Prisma
- Using a type safe ORM and query layer against a Postgres databasenot Moov
- Adding a managed connection pool and edge cache in front of an existing databasenot 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.
Prisma
- Prisma Postgres is billed per operation, with the free tier at 100,000 operations and 500 MB of storage
- Starter at $10 a month includes 1M operations then charges $0.0080 per 1,000
- Storage overage runs from $2.00 per GB on Starter down to $1.00 per GB on Business, so the unit cost depends on the plan
- Accelerate charges separately per operation and per GiB of query egress beyond the first 1 KiB
- Cache tag invalidations are not included below the Pro plan and are billed per thousand above it
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
Prisma
Free- FreeFree
- 1M requests/month
- 360 GB-hours memory
- 4 vCPU-hours
- Starter$10/month
- 5M requests/month
- 1M database operations ($8 per million overage)
- 10 GB storage ($2/GB overage)
- Pro$49/month
- 20M requests/month
- 10M operations ($2 per million overage)
- 50 GB storage ($1.50/GB overage)
- Business$129/month
- 100M requests/month
- 50M operations ($1 per million overage)
- 100 GB storage
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 Prisma if
- You need orm.
- You want to start without paying.
- You work on Node.js, TypeScript.
- You also want query builder.
Questions people ask
- Is Moov or Prisma better?
- Neither clearly leads. Moov starts at $500/month and Prisma at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Moov or Prisma?
- Prisma has a free tier; the other does not. Paid plans start at $500/month for Moov and Free for Prisma.
- Does Moov or Prisma run on more platforms?
- Moov runs on Web, API, iOS, Android. Prisma runs on Node.js, TypeScript.
- Can I use Prisma for free?
- Yes. Prisma has a free tier, so you can try it without paying. Moov starts at $500/month.
- 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 Prisma is typically brought in for.
- What can Moov do that Prisma cannot?
- Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Prisma covers ORM, Query builder, Auto-migrations, Node.js.
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.
Prisma: How much does Prisma cost?
Prisma is free to start with 1M requests/month. The Starter plan costs $10/month with 5M requests, the Pro plan $49/month with 20M requests, and the Business plan $129/month with 100M requests. All plans have usage-based overages.
SourceMoov: What is the monthly minimum?
500 US dollars, with no setup fee. Wallet charges and transaction fees count towards it.
Prisma: What is Prisma's overage pricing?
Prisma charges $1 per million requests over the included amount (Starter), $2 per million database operations overage (Pro and Starter), and $1.50-$2 per GB for storage overages depending on the plan. All plans include a hard spend limit on by default.
SourceMoov: 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.
Prisma: Does Prisma include data transfer costs?
No, Prisma includes unlimited data transfer with no egress fees on all plans. Prisma ORM remains free across all tiers.
SourceMoov: 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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