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APIs · head to head

Moov vs Vodeno

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Vodeno logo

Vodeno

APIs

Banking-as-a-service platform running on a partner bank licence, backing NatWest's UK BaaS venture

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.; Vodeno its actual regulatory backing differs by geography, Aion Bank in continental Europe versus NatWest in the UK, so a customer must understand which entity and licence they are actually contracting under rather than assuming one uniform Vodeno product.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Vodeno covers Core banking infrastructure.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Moov and Vodeno actually diverge.

Attributes where Moov and Vodeno differ
AttributeMoovVodeno
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 Vodeno

  • Core banking infrastructure
  • Card issuance via Mastercard
  • Lending and BNPL modules
  • White-label mobile apps
  • Digital onboarding and compliance
  • UK entity backed by NatWest

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

Vodeno

  • A European retailer or e-commerce business wanting to embed savings, lending or BNPL products under its own brandnot Moov
  • A UK business wanting banking-as-a-service backed specifically by NatWest's banking technology and licencenot Moov
  • A fintech wanting white-label mobile banking app infrastructure rather than building its own from scratchnot Moov
  • A company comparing banking-as-a-service providers that want to understand which underlying bank licence actually backs the product in their marketnot 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.

Vodeno

  • Its actual regulatory backing differs by geography, Aion Bank in continental Europe versus NatWest in the UK, so a customer must understand which entity and licence they are actually contracting under rather than assuming one uniform Vodeno product.
  • Pricing is entirely unpublished across both the European and UK businesses.
  • The scale of NatWest's investment (up to roughly £120 million) signals a business still working toward profitability, with NatWest itself targeting breakeven within five years of the venture launching, which is a meaningful timeline risk for a customer building long-term infrastructure dependency on it.
  • As banking-as-a-service infrastructure, any customer remains dependent on Vodeno's underlying bank partner maintaining its own licence and risk appetite, which is a layer of dependency beyond Vodeno's own commercial terms.
  • Product scope, such as lending and BNPL availability, may differ between the UK and European entities, so a company operating in both markets should not assume identical capability across the two.

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

Vodeno

On request
  • Vodeno$undefined/year
    • Platform licensing fee, not published
    • Terms differ between the European (Aion Bank) and UK (NatWest) entities

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 Vodeno if

  • You need core banking infrastructure.
  • You work on Web, API.
  • You also want card issuance via mastercard.
Vodeno review

Questions people ask

Is Moov or Vodeno better?
Neither clearly leads. Moov starts at $500/month and Vodeno at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Vodeno?
Moov starts at $500/month and Vodeno at On request.
Does Moov or Vodeno run on more platforms?
Moov runs on Web, API, iOS, Android. Vodeno 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 Vodeno is typically brought in for.
What can Moov do that Vodeno cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Vodeno covers Core banking infrastructure, Card issuance via Mastercard, Lending and BNPL modules, White-label mobile apps.

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.

Vodeno: Does Vodeno hold its own banking licence?

No, it operates through partner banks, Aion Bank in continental Europe and NatWest in the UK.

Moov: What is the monthly minimum?

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

Vodeno: Is the UK business the same as the European business?

They are related but distinct entities backed by different bank partners, with different investment structures.

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.

Vodeno: How much has NatWest invested?

A capped commitment of up to roughly £120 million into the UK entity, plus a separate roughly €58 million investment in Vodeno Group for an 18% stake.

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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