Softwr

APIs · head to head

Moov vs Stoplight

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Stoplight logo

Stoplight

APIs

API design, documentation, and governance platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Stoplight 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.; Stoplight the free plan allows one project and one user
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Stoplight covers API Design.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Stoplight actually diverge.

Attributes where Moov and Stoplight differ
AttributeMoovStoplight
Starting price$500/monthFree
Pricing modelPer transaction plus monthly minimumsubscription
Free tierNoYes
PlatformsWeb, API, iOS, AndroidWeb, Cloud
FoundedUnknown2014

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 Stoplight

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

Stoplight

  • API design and documentationnot Moov
  • API governance and standardsnot Moov
  • Team collaboration on API developmentnot Moov
  • API mocking and testingnot 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.

Stoplight

  • The free plan allows one project and one user
  • Private projects, multi branch support and custom domains start at the Startup plan, $113 a month billed annually
  • SSO and shared style guides are Pro Team only, at $362 a month billed annually
  • Seats beyond each plan's allowance are $11 to $27 each per month depending on tier and billing period

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

Stoplight

Free
  • FreeFree
    • 1 project
    • 1 user
    • Basic API design and documentation features
  • Basic$56/month
    • Annual: $44/user/year
    • 3 included users; $14 per additional user (monthly)
    • Unlimited projects
  • Startup$147/month
    • Annual: $113/user/year
    • 8 included users; $14 per additional user (monthly)
    • Private projects
  • Pro Team$453/month
    • Annual: $362/user/year
    • 15 included users; $27 per additional user (monthly)
    • Up to 20 teams

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 Stoplight if

  • You need api design.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want api documentation.
Stoplight review

Questions people ask

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

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.

Stoplight: How much does Stoplight cost?

Stoplight starts with a free plan (1 project, 1 user), then Basic at $56/month per user (or $44/year), Startup at $147/month per user (or $113/year), Pro Team at $453/month per user (or $362/year), and Enterprise at custom pricing.

Source
Moov: What is the monthly minimum?

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

Stoplight: How many included users are in each Stoplight plan?

Basic includes 3 users, Startup includes 8 users, and Pro Team includes 15 users. Additional users beyond the included count cost $14/month for Basic and Startup, or $27/month for Pro Team.

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.

Stoplight: Does Stoplight offer a free trial?

Yes, all paid Stoplight plans include a 14-day free trial. The free plan has no trial period as it is always available.

Source
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.

Stoplight: Does Stoplight's free plan have limitations?

Yes, the free plan includes only 1 project and 1 user. Users viewing public documentation anonymously are not counted toward the 1-user limit.

Source
Share

Related pages

More on Moov

More on Stoplight

Keep looking

Other head to heads