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APIs · head to head

Moov vs Token.io

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Token.io logo

Token.io

APIs

Account to account pay by bank infrastructure across the UK and Europe

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.; Token.io account to account payments carry no chargeback scheme, so merchants gain cost savings but consumers lose the dispute protection cards provide, which limits adoption in general retail.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Token.io covers Payment initiation.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moov and Token.io actually diverge.

Attributes where Moov and Token.io differ
AttributeMoovToken.io
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 Token.io

  • Payment initiation
  • Variable recurring payments
  • Bank network coverage
  • giroAPI membership
  • Payouts and refunds
  • Data and account information
  • Hosted payment pages
  • Reconciliation reporting

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

Token.io

  • A utility or telecom collecting high value bills where card interchange makes acceptance expensivenot Moov
  • An investment or trading platform funding customer accounts without card chargeback exposurenot Moov
  • A payment service provider adding pay by bank to its merchant proposition without building bank connectivitynot Moov
  • A German merchant using giroAPI scheme access for recurring and future dated bank paymentsnot 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.

Token.io

  • Account to account payments carry no chargeback scheme, so merchants gain cost savings but consumers lose the dispute protection cards provide, which limits adoption in general retail.
  • Conversion depends on each bank's own authentication journey, and slow or broken bank redirects cost sales in ways the merchant cannot fix or even always diagnose.
  • Variable recurring payments beyond sweeping are still being rolled out unevenly across banks and markets, so a subscription use case may be supported at one bank and not another.
  • Token.io initiates payments rather than acting as acquirer of record, so merchants still need settlement, safeguarding and reconciliation arrangements elsewhere.
  • Coverage and feature parity vary by country, so a pan European rollout means different capabilities and different bank behaviour in each market rather than one uniform product.

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

Token.io

On request
  • Token.io platform$undefined/year
    • Quoted per customer, typically per initiated payment
    • Volume tiers and monthly minimums are common
    • No interchange, so unit cost is usually well below card acceptance

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 Token.io if

  • You need payment initiation.
  • You work on Web, API.
  • You also want variable recurring payments.
Token.io review

Questions people ask

Is Moov or Token.io better?
Neither clearly leads. Moov starts at $500/month and Token.io at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Token.io?
Moov starts at $500/month and Token.io at On request.
Does Moov or Token.io run on more platforms?
Moov runs on Web, API, iOS, Android. Token.io 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 Token.io is typically brought in for.
What can Moov do that Token.io cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Token.io covers Payment initiation, Variable recurring payments, Bank network coverage, giroAPI membership.

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.

Token.io: Does pay by bank remove card fees?

It removes interchange and scheme fees, so unit cost is normally far below card acceptance, particularly on high value payments.

Moov: What is the monthly minimum?

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

Token.io: What about chargebacks?

There are none. That is the cost saving and the consumer protection gap, which is why it suits bills, top ups and account funding more than retail.

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.

Token.io: Is Token.io regulated?

Yes, it is an authorised third party provider under UK and European open banking rules, but it initiates payments rather than holding merchant funds as an acquirer.

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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