Moov

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

As of 31 August 2026, Moov starts at $500/month. Moov is one of the very few embedded payments platforms that prints its actual rates, including the five hundred dollar monthly minimum. Softwr lists it under APIs. Moov is made by Moov Financial, available on Web, API, iOS, Android.

Visit siteVisit Moov

Overview

What Moov does

Moov provides an API for accepting, storing and sending money in the United States. It covers online and tap-to-pay card acceptance, ACH in both directions, real-time payments and push-to-card payouts, plus a wallet abstraction that lets a platform hold balances for its users. It is aimed at software companies embedding payments into their own product rather than at merchants buying a checkout. The fact that changes shortlists is that Moov publishes a full rate card. Card acceptance is interchange-plus at 0.60 percent and 15 cents online, or 0.50 percent and 15 cents for tap to pay, with 1.5 percent added for international cards. Next-day ACH is 25 cents and same-day 40 cents, ACH returns cost 5 dollars and unauthorised returns 15 dollars, disputes cost 15 dollars, RTP credits and push-to-card are 0.95 percent capped at 5 dollars with a 50 cent floor. There is a 500 US dollar monthly minimum and a 50 cent per active wallet monthly charge. Nearly every competitor in embedded payments makes you sign an NDA to learn any of this, so a platform can model its margin against Moov in an afternoon. The trade-off is scope. Moov is United States only, its card acquiring economics are less negotiable at very high volume than a direct acquirer relationship, and the per-active-wallet charge means a platform with many low-activity end users pays for accounts that move little money. It suits vertical SaaS companies with predictable US volumes who want honest unit economics they can pass through to their own customers, and it is a poor fit for anyone whose growth plan is international.

What people use it 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

Where it falls short

Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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.

Cross-shopped

What people choose instead of Moov

Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.

Moovvs
Stripe
Stripe: If you need international coverage, a large plugin ecosystem and mature subscription billing
Moovvs
Adyen
Adyen: If your volume is high enough that a direct acquirer relationship beats a published rate card
Moovvs
Plaid
Plaid: If you only need account verification and data rather than acceptance and payouts

Pricing

What Moov costs

Taken from the vendor's own pricing page. Prices move, so check before you buy.

Standard

$500 /mo

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
ACH next-day 25c, same-day 40c
RTP and push to card 0.95% capped at $5
50c per active wallet per month

Custom

On request

Negotiated rates for high volume
Specialised business models
Dedicated support
Quoted

Capabilities

Features

Interchange-plus card acceptance
Online, mobile and tap-to-pay acceptance at published markups over interchange
ACH transfers
Next-day and same-day ACH debits and credits with return codes surfaced
Instant payments
RTP credits and push-to-card payouts with published percentage and caps
Wallets
Hold balances for platform end users, charged per active wallet per month
Payment links and invoices
Hosted collection flows included, with a per paid invoice charge
Virtual cards
Issue virtual cards for supplier payments at a per-creation fee
Account verification
Bank account and identity validation services priced per check
Card account updater
Refreshes stored card credentials for a per-update charge

Answered, with sources

Questions people ask

Each answer names the page it came from, so you can check it rather than take our word for it.

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.

What is the monthly minimum?

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

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.

Is Moov a bank?

No. It is a payments platform working with partner financial institutions, so account and settlement arrangements depend on those partners.

Keep looking

Where to go from Moov

Best APIs software for

Compare Moov with

Other APIs software

Dwolla
Account to account payment API for ACH, RTP and FedNow with pay by bank and instant payment routing
Pricing on request13 researched notes
Formance
Open source double-entry ledger and payment orchestration for money-moving software
Open source12 researched notes
Increase
Direct banking API for ACH, wires, real-time payments, accounts and cards
Pricing on request12 researched notes
Sila
US money movement API for ACH, RTP and FedNow with KYC and ledgering built in
Pricing on request12 researched notes
Trustly
Pay-by-bank payments network, majority-owned by private equity firm Nordic Capital
Pricing on request10 researched notes
Volt
Account-to-account pay by bank across Europe, the UK, Brazil and Australia
Pricing on request11 researched notes
Basis Theory
Developer tokenisation platform that holds card and sensitive data inside a PCI Level 1 environment you do not operate
From $995/mo13 researched notes
TrueLayer
Open banking payments and data across the UK and Europe, with the largest share of UK variable recurring payments
Pricing on request13 researched notes
Column
A nationally chartered US bank that ships its own API, with no middleware in between
Pricing on request12 researched notes
Highnote
Card issuing, acquiring and ledger on one platform for embedded payments
Pricing on request11 researched notes
Yapily
Open banking API infrastructure for account data and pay-by-bank payments across Europe
Free plan10 researched notes
Synctera
Banking-as-a-service platform that brings its own sponsor bank and compliance tooling
Pricing on request12 researched notes
Backbase
Digital and AI-native engagement banking platform for customer-facing banking experiences
Pricing on request10 researched notes
Enfuce
European issuer processor holding its own payment institution licence
Pricing on request11 researched notes
Griffin
UK banking-as-a-service from a company that holds its own full banking licence
From £100/mo11 researched notes
Lithic
API-first card issuing platform with direct Visa, Mastercard and Amex network connections
Pricing on request10 researched notes
Stoplight
API design, documentation, and governance platform
Free, then $44/yr12 researched notes
Swan
European banking-as-a-service platform for embedding accounts, cards and payments into other products
Pricing on request10 researched notes

Softwr does not host reviews and shows no star rating for Moov, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.

Best APIs software alternatives

View all APIs software