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APIs · head to head

Moov vs Very Good Security

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Very Good Security logo

Very Good Security

Cybersecurity

Tokenisation proxy that keeps card and personal data out of your own systems and out of PCI scope

From
$1000/month
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.; Very Good Security vGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Very Good Security covers Aliasing proxy.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Very Good Security actually diverge.

Attributes where Moov and Very Good Security differ
AttributeMoovVery Good Security
Starting price$500/month$1000/month
Pricing modelPer transaction plus monthly minimumPer month
PlatformsWeb, API, iOS, AndroidWeb, API
CategoryAPIsCybersecurity

Identical on both: free tier (No), user rating (Not yet rated).

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 Very Good Security

  • Aliasing proxy
  • PCI scope reduction
  • Network tokenisation
  • Processor optionality
  • Card issuing data
  • Vault and access controls
  • Data residency options
  • Compliance artefacts

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

Very Good Security

  • A marketplace facing its first PCI DSS Level 1 assessment that wants to keep card data off its own estate rather than harden a dozen servicesnot Moov
  • A merchant negotiating with a second acquirer that needs card credentials portable so the negotiation is real rather than theoreticalnot Moov
  • A fintech collecting bank account and identity documents that wants sensitive fields absent from logs, backups and analytics warehouses by constructionnot Moov
  • A card issuer that must display a full PAN in its own mobile app without the app or its backend touching cardholder datanot 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.

Very Good Security

  • VGS sits in the live path of every request carrying sensitive data, so its latency and availability become yours, and an outage in the proxy is a payment outage no matter how healthy your own systems are.
  • Token portability is the whole selling point yet leaving VGS means migrating tokens back out, a project the vendor has no incentive to streamline, so the lock-in you removed from your acquirer partly moves to VGS.
  • Entry pricing at around one thousand US dollars a month is real money for a pre-revenue fintech, and it buys volume-limited throughput, so cost scales with exactly the growth that made you buy it.
  • Scope reduction is not scope elimination: your QSA still assesses how you integrate, and teams regularly discover that a support tool or an internal admin screen pulled plaintext back in and dragged systems into scope again.
  • Proxy-based interception constrains how you design request flows, and non-standard payloads, streaming uploads or binary formats often need custom routing rules that make debugging production issues noticeably harder.

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

Very Good Security

$1000/month
  • Starter$1000/month
    • Aliasing proxy
    • Vault storage
    • PCI scope reduction
  • Growth$undefined/month
    • Network tokenisation
    • Multiple processors
    • Data residency options
  • Enterprise$undefined/year
    • Custom vault architecture
    • Dedicated support and SLA
    • Contractual compliance coverage

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 Very Good Security if

  • You need aliasing proxy.
  • You work on Web, API.
  • You also want pci scope reduction.
Very Good Security review

Questions people ask

Is Moov or Very Good Security better?
Neither clearly leads. Moov starts at $500/month and Very Good Security at $1000/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Very Good Security?
Moov starts at $500/month and Very Good Security at $1000/month.
Does Moov or Very Good Security run on more platforms?
Moov runs on Web, API, iOS, Android. Very Good Security 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 Very Good Security is typically brought in for.
What can Moov do that Very Good Security cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Very Good Security covers Aliasing proxy, PCI scope reduction, Network tokenisation, Processor optionality.

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.

Very Good Security: Does VGS make me PCI compliant?

No. It removes cardholder data from your systems so your assessment covers a far smaller boundary, but you still complete an assessment and your integration is part of it.

Moov: What is the monthly minimum?

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

Very Good Security: Can I move to another processor without re-collecting cards?

Yes, that is a core reason people buy it. The vault reveals stored credentials to whichever processor you route to.

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.

Very Good Security: What does it cost?

Published entry pricing is about one thousand US dollars per month; growth and enterprise tiers are quoted.

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.

Very Good Security: Is it only for card data?

No. The proxy handles any sensitive field, including bank details, national identifiers and documents, though payments is where the product is now focused.

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