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APIs · head to head

Moov vs Unit

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Unit logo

Unit

APIs

Banking as a service platform for embedding deposit accounts, cards and payments, with a sponsor bank behind it

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.; Unit your product depends on a sponsor bank you do not contract with directly, and 2024 showed what that means: Thread Bank received an FDIC enforcement action naming its banking as a service programmes and Blue Ridge Bank went under an OCC consent order and offboarded fintech partners.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Unit covers Deposit accounts.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Unit actually diverge.

Attributes where Moov and Unit differ
AttributeMoovUnit
Starting price$500/monthOn request
Pricing modelPer transaction plus monthly minimumquote
PlatformsWeb, API, iOS, AndroidWeb, iOS, Android

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 Unit

  • Deposit accounts
  • Card issuing
  • Payments
  • White label components
  • Compliance operations
  • Lending
  • Programme reporting
  • Sandbox

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

Unit

  • A vertical SaaS platform for contractors that wants to hold customer funds and issue expense cards without pursuing a charternot Moov
  • A payroll or benefits platform embedding accounts so employees can be paid ahead of schedulenot Moov
  • A marketplace that wants seller balances to sit in real accounts under its own brand rather than as ledger entries at a processornot Moov
  • A company that needs interchange revenue from a card programme to make the unit economics of its core product worknot 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.

Unit

  • Your product depends on a sponsor bank you do not contract with directly, and 2024 showed what that means: Thread Bank received an FDIC enforcement action naming its banking as a service programmes and Blue Ridge Bank went under an OCC consent order and offboarded fintech partners.
  • Programme approval by the bank is a separate gate from signing with Unit, and it can add months and impose product restrictions that were not visible during the commercial conversation.
  • Compliance obligations are shared but the operational load lands on you, and platforms consistently underestimate the staffing needed for disputes, escalations and the bank ongoing oversight requests.
  • Pricing is unpublished and blends platform fees, per-account and per-transaction charges and interchange sharing, which makes it hard to model unit economics before you have volume and easy to be surprised by the minimum.
  • Migrating a live deposit programme to a different provider or bank is extremely disruptive because it involves moving customer accounts and card credentials, so switching costs are far higher than for ordinary software.

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

Unit

On request
  • Unit Banking as a Service$undefined/year
    • Platform fee plus per-account and per-transaction charges, quoted
    • Interchange sharing arrangements negotiated per programme
    • Minimum commitment typical

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 Unit if

  • You need deposit accounts.
  • You work on Web, iOS, Android.
  • You also want card issuing.
Unit review

Questions people ask

Is Moov or Unit better?
Neither clearly leads. Moov starts at $500/month and Unit at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Unit?
Moov starts at $500/month and Unit at On request.
Does Moov or Unit run on more platforms?
Moov runs on Web, API, iOS, Android. Unit runs on Web, iOS, Android.
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 Unit is typically brought in for.
What can Moov do that Unit cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Unit covers Deposit accounts, Card issuing, Payments, White label components.

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.

Unit: Who actually holds the money?

A chartered partner bank, not Unit. Deposits sit at the sponsor bank and FDIC insurance flows from that bank, so its condition is your condition.

Moov: What is the monthly minimum?

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

Unit: What happened with Unit sponsor banks in 2024?

Thread Bank received an FDIC enforcement action that explicitly named its banking as a service and lending as a service programmes, and Blue Ridge Bank was under an OCC consent order from January 2024 and offboarded fintech partners. Blue Ridge exited the order in late 2025.

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.

Unit: What does Unit cost?

Not published. Expect a platform fee, per-account and per-transaction charges, an interchange share and a minimum commitment.

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.

Unit: Do we need our own compliance team?

Yes. Unit supplies tooling and the bank sets the rules, but disputes, escalations and evidence for bank oversight require named people on your side.

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