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APIs · head to head

Moov vs Zeplo

Moov logo

Moov

APIs

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

From
$500/month
Rated
-
Full reviewWebsite
Zeplo logo

Zeplo

APIs

Message queue as a URL prefix, adding retries and delays to any HTTP request

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Zeplo 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.; Zeplo zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • They diverge on capability: Moov covers Interchange-plus card acceptance, Zeplo covers URL prefix interface.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Moov and Zeplo actually diverge.

Attributes where Moov and Zeplo differ
AttributeMoovZeplo
Starting price$500/monthFree
Pricing modelPer transaction plus monthly minimumPer month by request count
Free tierNoYes
PlatformsWeb, API, iOS, AndroidWeb, Cloud

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 Zeplo

  • URL prefix interface
  • Retries with backoff
  • Delayed delivery
  • Cron scheduling
  • Concurrency limits
  • Deduplication keys
  • Request logs
  • Team workspaces

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

Zeplo

  • A Vercel or Cloudflare Workers application that needs retried background jobs without deploying a separate always-on workernot Moov
  • A team that wants a webhook receiver protected by a concurrency limit so a burst does not overwhelm a downstream APInot Moov
  • A small product needing cron jobs against HTTP endpoints without adding a scheduler to its infrastructurenot Moov
  • A developer adding idempotent retries to an unreliable third-party API call with a one-line URL changenot 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.

Zeplo

  • Zeplo sits directly in the execution path of your background work, so an outage at a very small vendor means your jobs do not run at all, and there is no published SLA below Enterprise.
  • The free Developer tier includes only 500 requests a month and one team member, so it is a demonstration allowance rather than a usable free plan for anything real.
  • Overage on the Developer tier is 20 US dollars per 100,000 requests, two hundred times the marginal rate on the Company tier, so exceeding the free allowance without upgrading is expensive.
  • Team members cost 15 US dollars each beyond the plan allowance, which is an odd charge on an infrastructure product billed by request volume.
  • Log retention is 30 days on both published tiers, so anything requiring longer audit trails on job execution has to be logged separately.

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

Zeplo

Free
  • DeveloperFree
    • 500 requests a month included
    • $20 per additional 100,000 requests
    • 1 team member
  • Company$39/month
    • 1,000,000 requests a month included
    • $10 per additional million requests
    • Up to 3 team members
  • Enterprise$undefined/month
    • Volume discounts
    • Custom team size
    • Support with SLA

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 Zeplo if

  • You need url prefix interface.
  • You want to start without paying.
  • You work on Web, Cloud.
  • You also want retries with backoff.
Zeplo review

Questions people ask

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

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.

Zeplo: How does Zeplo work?

You prefix your endpoint URL with zeplo.to and add query parameters for retries, delay, cron or concurrency. No SDK or broker is needed.

Moov: What is the monthly minimum?

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

Zeplo: What does it cost?

Free for 500 requests a month; 39 US dollars a month for a million requests, then 10 dollars per additional million.

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.

Zeplo: Is it suitable for critical jobs?

It is a small vendor in your execution path with no published SLA below Enterprise, so weigh that against the convenience.

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.

Zeplo: Does it work with serverless platforms?

Yes, that is its main use, covering Vercel, Cloudflare Workers, Netlify and similar environments that lack long-running workers.

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