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APIs · head to head

Moov vs Skaleet

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Skaleet logo

Skaleet

APIs

Cloud-native core banking and payment hub with deployments measured in months

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.; Skaleet the installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Skaleet covers Cloud-native core.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moov and Skaleet actually diverge.

Attributes where Moov and Skaleet differ
AttributeMoovSkaleet
Starting price$500/monthOn request
Pricing modelPer transaction plus monthly minimumquote
PlatformsWeb, API, iOS, AndroidWeb, REST API, Linux

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 Skaleet

  • Cloud-native core
  • Payment hub
  • Card management
  • Lending
  • API-first
  • Configurable products

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

Skaleet

  • A banking group launching a digital savings or deposit brand in a new country within a yearnot Moov
  • A bank modernising payments to ISO 20022 without replacing its whole corenot Moov
  • A payroll or HR software company adding embedded banking to its productnot Moov
  • A payment service provider needing a ledger and accounts under its existing licencenot 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.

Skaleet

  • The installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • Speed references are mostly greenfield launches inside large groups, which is an easier problem than migrating an existing book off a legacy core.
  • It is European-centric, with payment rails and regulatory work concentrated on SEPA and EU requirements rather than global coverage.
  • As a smaller vendor carrying a bank core, it attracts hard concentration and viability questions in procurement that larger competitors do not face.
  • Pricing is unpublished and scaled by accounts and transactions, so a bank whose volumes grow faster than forecast faces cost escalation it did not model.

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

Skaleet

On request
  • Skaleet Core Banking Platform$undefined/year
    • Subscription licence scaled by accounts and transaction volume
    • Payment hub licensable separately from the full core
    • Implementation and configuration charged as a project

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 Skaleet if

  • You need cloud-native core.
  • You work on Web, REST API, Linux.
  • You also want payment hub.
Skaleet review

Questions people ask

Is Moov or Skaleet better?
Neither clearly leads. Moov starts at $500/month and Skaleet at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Skaleet?
Moov starts at $500/month and Skaleet at On request.
Does Moov or Skaleet run on more platforms?
Moov runs on Web, API, iOS, Android. Skaleet runs on Web, REST API, Linux.
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 Skaleet is typically brought in for.
What can Moov do that Skaleet cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Skaleet covers Cloud-native core, Payment hub, Card management, Lending.

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.

Skaleet: What was Skaleet called before?

TagPay. The company rebranded to Skaleet while keeping the same platform lineage.

Moov: What is the monthly minimum?

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

Skaleet: Can I buy just the payment hub?

Yes. The payment engine is licensable standalone and can sit over an existing core, which is a common first step.

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.

Skaleet: How fast are real deployments?

Named European deployments have gone live in six to twelve months, including a Crédit Agricole savings platform live in Germany in eight months.

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.

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