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APIs · head to head

Moov vs Sila

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Sila logo

Sila

APIs

US money movement API for ACH, RTP and FedNow with KYC and ledgering built in

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.; Sila no pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Sila covers ACH origination.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Sila actually diverge.

Attributes where Moov and Sila differ
AttributeMoovSila
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 Sila

  • ACH origination
  • Instant rails
  • KYC and KYB
  • Virtual accounts
  • Ledger
  • Wallets and holds
  • Webhooks
  • Bank-side deployment

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

Sila

  • A small fintech that needs ACH, identity verification and a ledger from one vendor because it has no compliance team to assemble threenot Moov
  • A marketplace paying out to sellers that wants same-day ACH and instant push options without becoming a money transmitter itselfnot Moov
  • A community bank replacing batch file ACH processing with an API so it can offer real-time payments to business customersnot Moov
  • A lending platform that must verify business identity, disburse funds and collect repayments on a schedule from a single integrationnot 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.

Sila

  • No pricing is published, so you cannot compare Sila against Moov or Dwolla without entering two sales processes, and small programmes frequently find the monthly minimum dominates their cost at low volume.
  • Sila is materially smaller and less well capitalised than the banking-as-a-service names it competes with, which matters because your customer funds and your payment rails depend on the vendor still trading in three years.
  • The sponsor bank behind your programme determines what you can offer and how fast you can change it, and bank partnerships in this sector have been reshuffled repeatedly since 2023, so a bank change during your contract is a realistic risk rather than a theoretical one.
  • Coverage is United States only, so any product with cross-border ambitions needs a second payments vendor and a second reconciliation process from the outset.
  • Onboarding involves compliance diligence on your own programme, and teams routinely underestimate this, with weeks lost between signing and first live transaction while policies, flow of funds diagrams and BSA arrangements are reviewed.

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

Sila

On request
  • Sila Payments Platform$undefined/month
    • ACH, RTP and FedNow
    • KYC and KYB verification
    • Virtual accounts and ledger

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 Sila if

  • You need ach origination.
  • You work on Web, API.
  • You also want instant rails.
Sila review

Questions people ask

Is Moov or Sila better?
Neither clearly leads. Moov starts at $500/month and Sila at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Sila?
Moov starts at $500/month and Sila at On request.
Does Moov or Sila run on more platforms?
Moov runs on Web, API, iOS, Android. Sila 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 Sila is typically brought in for.
What can Moov do that Sila cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Sila covers ACH origination, Instant rails, KYC and KYB, Virtual accounts.

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.

Sila: Does Sila require a sponsor bank?

Yes. Funds sit at a partner bank, and which bank that is affects your product features and your regulatory exposure, so ask before signing.

Moov: What is the monthly minimum?

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

Sila: Is Sila still operating?

Yes. It continues to trade and announced an API integration with GBank in 2025 covering ACH, RTP and FedNow.

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.

Sila: What does it cost?

Sila does not publish rates. Expect per-transaction pricing plus a monthly minimum, quoted after a compliance conversation.

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.

Sila: Can I use it outside the United States?

No. Sila covers US rails only.

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