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APIs · head to head

Moov vs Tyk

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Tyk logo

Tyk

APIs

Open-source API gateway and API management platform

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Tyk 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.; Tyk professional and Enterprise plan pricing not published; contact required
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Tyk covers API Gateway.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Tyk actually diverge.

Attributes where Moov and Tyk differ
AttributeMoovTyk
Starting price$500/monthFree
Pricing modelPer transaction plus monthly minimumfreemium
Free tierNoYes
PlatformsWeb, API, iOS, AndroidLinux, Docker, Kubernetes, Cloud
FoundedUnknown2013

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 Tyk

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

Tyk

  • API gateway and API management platformsnot Moov
  • Microservices architecture orchestrationnot Moov
  • High-growth teams standardizing on API platformsnot Moov
  • Enterprises requiring advanced security and governancenot 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.

Tyk

  • Professional and Enterprise plan pricing not published; contact required
  • Core plan uses consumption-based model with variable costs
  • No upfront pricing transparency for production deployments

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

Tyk

Free
  • Free TrialFree
    • Fully featured 48-hour trial
    • No credit card required
    • Tyk Cloud access
  • Core Plan$null/month
    • Usage-based flexible pricing
    • Cloud, Hybrid, or Self-managed deployment
    • Unlimited API gateways
  • Professional Plan$null/month
    • One fixed price with unlimited access
    • All deployment options
    • Unlimited APIs and requests
  • Enterprise Plan$null/month
    • Custom pricing required
    • Advanced governance and security
    • Premium support with custom SLAs

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 Tyk if

  • You need api gateway.
  • You want to start without paying.
  • You work on Linux, Docker, Kubernetes, Cloud.
  • You also want rate limiting.
Tyk review

Questions people ask

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

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.

Tyk: How much does Tyk cost?

Tyk offers a free 48-hour trial with no credit card required. The Core plan uses usage-based pricing on a flexible model. Professional plan offers unlimited access at a fixed price (amount not published). Enterprise plans require custom pricing.

Source
Moov: What is the monthly minimum?

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

Tyk: Is there a free trial of Tyk?

Yes, Tyk provides a fully featured 48-hour free trial of Tyk Cloud that requires no credit card to start.

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.

Tyk: What deployment options are included in Tyk pricing?

All Tyk plans support Cloud, Hybrid, or Self-managed deployment options without feature restrictions, allowing flexible infrastructure choices across pricing tiers.

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.

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