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APIs · head to head

Moov vs Salt Edge

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Salt Edge logo

Salt Edge

APIs

Independent open banking aggregator covering Europe by PSD2 API and other markets by direct connection

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.; Salt Edge coverage outside regulated open banking markets is not all direct bank API, and connections that are not regulated interfaces break when a bank changes its systems, so a headline country count overstates the reliability you will actually experience.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Salt Edge covers Account information.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Salt Edge actually diverge.

Attributes where Moov and Salt Edge differ
AttributeMoovSalt Edge
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 Salt Edge

  • Account information
  • Payment initiation
  • Wide country coverage
  • Open Banking Gateway
  • Categorisation and enrichment
  • Consent management
  • Partner and white label
  • Sandbox

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

Salt Edge

  • A lender operating across several European and non-EU markets that needs one aggregation contract rather than a different provider per countrynot Moov
  • A fintech that wants an aggregator not owned by a card network because its use case competes with card productsnot Moov
  • An accounting or treasury product that needs bank feeds in markets the large aggregators do not servenot Moov
  • A bank that must publish PSD2-compliant APIs and would rather buy the compliance layer than build itnot 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.

Salt Edge

  • Coverage outside regulated open banking markets is not all direct bank API, and connections that are not regulated interfaces break when a bank changes its systems, so a headline country count overstates the reliability you will actually experience.
  • Pricing is not published and is usage-based, so two providers cannot be compared without running both sales processes, and cost grows with the connected user base rather than with revenue.
  • Support and engineering are distributed across Eastern Europe and Canada, and buyers in other time zones report slower turnaround on connection-specific breakages than they get from a domestic provider.
  • PSD2 consent rules require customers to reauthenticate periodically, and Salt Edge cannot change that, so any product depending on continuous data must design for consent expiry and the drop-off it causes.
  • United States coverage is weaker than Plaid or Mastercard Open Banking, so a company with meaningful US volume ends up running two aggregators and normalising between them.

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

Salt Edge

On request
  • Salt Edge Open Banking API$undefined/year
    • Account information and payment initiation
    • Coverage across 50 plus countries
    • Consent management and enrichment

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 Salt Edge if

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

Questions people ask

Is Moov or Salt Edge better?
Neither clearly leads. Moov starts at $500/month and Salt Edge at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Salt Edge?
Moov starts at $500/month and Salt Edge at On request.
Does Moov or Salt Edge run on more platforms?
Moov runs on Web, API, iOS, Android. Salt Edge 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 Salt Edge is typically brought in for.
What can Moov do that Salt Edge cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Salt Edge covers Account information, Payment initiation, Wide country coverage, Open Banking Gateway.

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.

Salt Edge: Who owns Salt Edge?

It is independently owned, unlike Tink (Visa), Finicity (Mastercard) or Yodlee (Envestnet), which matters if your use case competes with the owner.

Moov: What is the monthly minimum?

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

Salt Edge: Is all coverage direct bank API?

No. Inside PSD2 markets connections use regulated APIs; elsewhere coverage relies on direct connections whose reliability depends on the bank not changing its systems. Ask for a per-institution answer.

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.

Salt Edge: Does it do payments as well as data?

Yes, payment initiation is supported in European markets where PSD2 applies.

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.

Salt Edge: What does it cost?

Not published. Pricing is usage-based and quoted, though the sandbox is free.

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