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APIs · head to head

Moov vs Skyflow

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Skyflow logo

Skyflow

APIs

Data privacy vault that holds sensitive records outside your own systems

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.; Skyflow reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Skyflow covers Tokenised storage.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Skyflow actually diverge.

Attributes where Moov and Skyflow differ
AttributeMoovSkyflow
Starting price$500/monthOn request
Pricing modelPer transaction plus monthly minimumquote
PlatformsWeb, API, iOS, AndroidAPI, Web, Self-hosted

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 Skyflow

  • Tokenised storage
  • Polymorphic encryption
  • Field level access policies
  • Data residency
  • Secure functions
  • PCI scope reduction
  • Detokenisation gateway
  • Audit trail

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

Skyflow

  • A fintech that wants card and bank account data out of its own infrastructure so its application servers leave PCI DSS assessment scopenot Moov
  • A company entering India or the EU with data localisation obligations that would otherwise require standing up regional databases and operationsnot Moov
  • A health technology business that needs protected health information isolated from the analytics stack while still supporting aggregate reportingnot Moov
  • An engineering team that wants support agents to see masked identifiers and payment services to see real ones, enforced centrally rather than in every servicenot 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.

Skyflow

  • Reported contracts near 195,000 US dollars a year with a platform fee before usage put this out of reach of early stage companies, which are precisely the ones whose architecture is still cheap to change.
  • Every read of a protected field becomes a network call to a third party, so latency and an external availability dependency enter paths that were previously local database reads, and outage planning has to account for a vendor you do not control.
  • Analytics and joins on vaulted data are constrained; work that was a simple SQL join now happens through secure functions or on tokens, and data teams routinely discover this after the engineering team has committed.
  • Unwinding the vault later is a rewrite rather than a migration because tokens are threaded through every service, so the switching cost climbs steadily and the negotiating position at renewal weakens with each release.
  • Scope reduction is an architectural claim your own assessor must accept, so the audit saving is real only if the implementation genuinely keeps sensitive values off your systems, and partial implementations that leave a cache or a log line in place deliver the cost without the benefit.

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

Skyflow

On request
  • Skyflow Data Privacy Vault$undefined/year
    • Platform fee plus usage by data subject count
    • Priced additionally per data residency region
    • PCI Level 1, SOC 2 Type 2, ISO 27001 and HIPAA coverage

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 Skyflow if

  • You need tokenised storage.
  • You work on API, Web, Self-hosted.
  • You also want polymorphic encryption.
Skyflow review

Questions people ask

Is Moov or Skyflow better?
Neither clearly leads. Moov starts at $500/month and Skyflow at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Skyflow?
Moov starts at $500/month and Skyflow at On request.
Does Moov or Skyflow run on more platforms?
Moov runs on Web, API, iOS, Android. Skyflow runs on API, Web, Self-hosted.
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 Skyflow is typically brought in for.
What can Moov do that Skyflow cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Skyflow covers Tokenised storage, Polymorphic encryption, Field level access policies, Data residency.

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.

Skyflow: Does Skyflow really take my systems out of PCI scope?

It can, if card data never touches your infrastructure and the detokenisation happens at the boundary. Your QSA has to agree the design, so validate the architecture with your assessor before signing.

Moov: What is the monthly minimum?

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

Skyflow: What does it cost?

Nothing is published. Reported annual contracts sit around 195,000 US dollars, built from a platform fee plus usage by data subject count and additional charges per data residency region.

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.

Skyflow: How does it help with data localisation?

Records can be pinned to a specified region, so an Indian or EU residency requirement is met by the vault rather than by you running regional databases and operations teams.

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.

Skyflow: Can I still run analytics on vaulted data?

Partly. Aggregates and comparisons are supported through polymorphic encryption and secure functions, but arbitrary joins against other datasets are harder than they were, and this is the most common late surprise.

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