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APIs · head to head

Moov vs Spring Cloud Gateway

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Spring Cloud Gateway logo

Spring Cloud Gateway

APIs

API gateway built on Project Reactor for building microservices

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Spring Cloud Gateway 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.; Spring Cloud Gateway released under the Apache 2.0 license, free and open source with no commercial tier
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Spring Cloud Gateway covers Routing.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Spring Cloud Gateway actually diverge.

Attributes where Moov and Spring Cloud Gateway differ
AttributeMoovSpring Cloud Gateway
Starting price$500/monthFree
Pricing modelPer transaction plus monthly minimumopen-source
Free tierNoYes
PlatformsWeb, API, iOS, AndroidJava, Spring Boot
FoundedUnknown1998

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 Spring Cloud Gateway

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

Spring Cloud Gateway

  • API Developmentnot Moov
  • API Gatewaynot Moov
  • API Testingnot Moov
  • API Documentationnot Moov
  • Microservicesnot 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.

Spring Cloud Gateway

  • Released under the Apache 2.0 license, free and open source with no commercial tier

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

Spring Cloud Gateway

Free
  • Open SourceFree
    • Core Spring Cloud Gateway
    • Community support

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 Spring Cloud Gateway if

  • You need routing.
  • You want to start without paying.
  • You work on Java, Spring Boot.
  • You also want path rewriting.
Spring Cloud Gateway review

Questions people ask

Is Moov or Spring Cloud Gateway better?
Neither clearly leads. Moov starts at $500/month and Spring Cloud Gateway at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Spring Cloud Gateway?
Spring Cloud Gateway has a free tier; the other does not. Paid plans start at $500/month for Moov and Free for Spring Cloud Gateway.
Does Moov or Spring Cloud Gateway run on more platforms?
Moov runs on Web, API, iOS, Android. Spring Cloud Gateway runs on Java, Spring Boot.
Can I use Spring Cloud Gateway for free?
Yes. Spring Cloud Gateway 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 Spring Cloud Gateway is typically brought in for.
What can Moov do that Spring Cloud Gateway cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Spring Cloud Gateway covers Routing, Path Rewriting, Circuit Breaker, Spring Boot.

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.

Spring Cloud Gateway: Is Spring Cloud Gateway free?

Yes, Spring Cloud Gateway is free and open-source software. It is part of the Spring ecosystem and available through GitHub repositories with open-source dependencies like spring-cloud-starter-gateway-server-webflux and spring-cloud-starter-gateway-server-webmvc.

Source
Moov: What is the monthly minimum?

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

Spring Cloud Gateway: What enterprise support is available for Spring Cloud Gateway?

Tanzu Spring provides optional enterprise support including Day 0 access to security patches for organizations requiring guaranteed support, but specific pricing is not published on the Spring Cloud Gateway project page.

Source
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.

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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