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APIs · head to head

Moov vs Yodlee

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Yodlee logo

Yodlee

APIs

Long-running financial data aggregation with deep transaction history

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.; Yodlee ownership has changed twice in two years, from Envestnet to Bain Capital control and then to STG in 2025, so the roadmap is now set by a financial sponsor and long term product direction is harder to rely on than it was.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Yodlee covers Account aggregation.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Yodlee actually diverge.

Attributes where Moov and Yodlee differ
AttributeMoovYodlee
Starting price$500/monthOn request
Pricing modelPer transaction plus monthly minimumquote
PlatformsWeb, API, iOS, AndroidAPI, Web

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
  • Card account updater

Only in Yodlee

  • Account aggregation
  • Long transaction history
  • Investment and holdings data
  • Transaction enrichment
  • Cash flow analytics
  • Document retrieval
  • International coverage

Both cover

  • Account verification

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

Yodlee

  • A wealth platform that needs held-away brokerage holdings as well as bank balances to show a client their complete positionnot Moov
  • A lender doing cash flow underwriting that needs several years of transaction history rather than the ninety days newer aggregators returnnot Moov
  • A financial institution needing statement and tax document retrieval alongside transaction datanot Moov
  • A firm operating in several countries that wants one aggregator rather than a US provider plus a European onenot 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.

Yodlee

  • Ownership has changed twice in two years, from Envestnet to Bain Capital control and then to STG in 2025, so the roadmap is now set by a financial sponsor and long term product direction is harder to rely on than it was.
  • Parts of the connection estate still depend on credential based access, which banks and regulators are phasing out in favour of FDX APIs, so coverage will shift as institutions withdraw the older method and the migration is not under your control.
  • The platform predates modern API design and developers consistently find the integration heavier and the data model more idiosyncratic than newer aggregators, which lengthens build time.
  • Pricing is enterprise shaped with annual commitments and nothing published, so small and mid sized buyers have no anchor and cannot start without a sales cycle.
  • Investment data, document retrieval and analytics are licensed on top of core aggregation, so the capabilities that justify choosing Yodlee over a cheaper rival are the ones that raise the price above it.

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

Yodlee

On request
  • Yodlee Data Platform$undefined/year
    • Priced by connected users, refresh frequency and data types
    • Investment and document retrieval licensed separately from core aggregation
    • Enterprise agreements with annual commitments

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 Yodlee if

  • You need account aggregation.
  • You work on API, Web.
  • You also want long transaction history.
Yodlee review

Questions people ask

Is Moov or Yodlee better?
Neither clearly leads. Moov starts at $500/month and Yodlee at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Moov or Yodlee?
Moov starts at $500/month and Yodlee at On request.
Does Moov or Yodlee run on more platforms?
Moov runs on Web, API, iOS, Android. Yodlee runs on API, Web.
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 Yodlee is typically brought in for.
What can Moov do that Yodlee cannot?
Moov covers Interchange-plus card acceptance, ACH transfers, Instant payments, Wallets. Yodlee covers Account aggregation, Long transaction history, Investment and holdings data, Transaction enrichment. Both handle Account verification.

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.

Yodlee: Who owns Yodlee now?

Private equity firm STG, which acquired it from Envestnet in a deal closing in 2025. Envestnet, itself taken private by Bain Capital and Reverence Capital in 2024, retained access through a partnership.

Moov: What is the monthly minimum?

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

Yodlee: Why choose Yodlee over Plaid?

Longer transaction history, deeper investment and held-away account coverage, and document retrieval. Those are wealth management and underwriting requirements rather than consumer fintech ones.

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.

Yodlee: Does it still use screen scraping?

Parts of the estate rely on credential based connections, which the industry is phasing out in favour of regulated APIs. Ask for direct API coverage by institution before signing.

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.

Yodlee: Is pricing published?

No. It is quoted by connected users, refresh frequency and data types, with investment data and document retrieval priced separately.

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