Dashboard updates

• More linked card details are now available in the Dashboard. If you’ve performed account name verification on a linked card, the results will be visible. Additionally, the card category will now show whether a card is consumer/commercial, or regulated/non-regulated

• From the transfer details screen, you can now copy the accountID and the paymentMethodID from the source and destination cards.

• You can now apply multiple transaction type filters for wallet transactions.

Bug fixes

• Fixed a bug where multiple wallets were appearing for an account search. When assessing fees, you can now filter wallets based on the account facilitating the transfer.
• Fixed a bug with synchronous cancellation response.
• Fixed a bug where ACH and card status were not updating properly after a void.
• Fixed a bug where not all transfers were appearing in the list transfers response.

Cancellations

You can now cancel ACH and card transfers through the API or the Dashboard. There is a limited window where you are able to initiate a cancellation. See following resources for more information:

• ACH cancellations
• Card cancellations
• Transfers API

New SDKs

We’ve updated and expanded our server-side SDKs! Moov now offers the following new SDKs:

• Typescript
• PHP
• Java
• Python

Updated transfer & refund paths

The paths for all transfer and refund endpoints have been prefixed with /accounts/{accountID} to scope permissions to the specified account. For example, to retrieve a list of all transfers: /transfers has become /accounts/{accountID}/transfers.

We suggest updating all endpoints in your application as soon as possible. See our transfers API and refunds API for more information.

Fee plans

When you onboard merchants, you’ll now have the ability to create and assign fee plans. Moov is introducing flexible pricing plans that let you have more control over interchange, card network, and Moov fee. When you create a fee template, you can assign it to one or many merchants.

Flat rate plans lump fees together and can be customized per merchant, whereas cost plus plans pass interchange and Moov fees along to the merchant.

Moov suggests onboarding merchants and selecting fee plans through our hosted onboarding process. You can view a list of billable events that incur fees in our pricing guide.

Bug fixes

• Fixed a Dashboard issue where the Fix now button for capability requirements was not working
• Fixed a test mode disputes issue where chargebackReversed was not receiving the full chargeback amount
• Fixed the evidence text response body, which was not showing all fields

Updates

• Added missing 409 response to the create brand endpoint
• Added missing 4XX response codes to delete dispute evidence endpoint
• Added an undocumented text field to the list dispute evidence endpoint
• Added missing query parameter walletID to the list adjustments endpoint
• Added missing scope documentation for sweeps and adjustments endpoints

Payment links

You can now create payment links to accept payments. A payment link authenticates a session that lets your customers securely create a Moov account and link payment methods before submitting payment through a generated link or QR code. A payment link can accept the following payment methods:

• Apple Pay
• Card
• ACH debit collect

View our payment links documentation and API for more information.

Pull from card dispute testing

In test mode, we’ve added one Mastercard and one Visa card number to simulate disputes for pull from card transfers. See our test mode guide for more information.

Fixes & updates

• Added missing documentation and error responses to the access token endpoints
• ACHStatus now includes canceled

Upload evidence dispute endpoint

The following updates have been made to the upload evidence file endpoint:

• Specifies what types of dispute files can be uploaded:
  • image/jpeg
  • image/tiff
  • application/pdf
• Additional 201 response has been added with the following fields:
  • evidenceID
  • disputeID
  • evidenceType
  • createdOn

If you’re subscribed to our changelog emails, we will now be sending from hello@moov.io. If you haven’t already, please add this domain to your safe list so you don’t miss any changelog emails.

Wallet fund timing

For card payments, wallets are now funded by 1PM ET instead of 6PM ET. See our documentation for more details on settlement timing.

Bug fixes

• Fixed an issue where network fees were not being estimated.
• Fixed a bug where memos were not appearing on moov-fee wallet transactions.
• Fixed a bug where the facilitator view button in the Dashboard was not switching account views.

Product release roundup 2024

Read our newest product release blog post for a roundup of Moov’s most exciting launches of 2024.

International card acquiring support

To support international card acquiring, a card’s billing address now supports postal codes up to 10 characters. Additionally, the card’s issuing country will be included when retrieving information about card transactions.

Wallet adjustments

Scenarios occur where Moov may make an immediate adjustment to a wallet’s balance, such as partial chargebacks, fee adjustments, or corrections from transaction processing. Upon adjustment, you’ll get a walletTransaction.updated webhook notification and can find the adjustment reason in the wallet transaction memo. Two endpoints have been added to retrieve further details about wallet adjustments:

• Retrieve a wallet adjustment - Gets a specific wallet adjustment
• List wallet adjustments - Lists all adjustments associated with a wallet

See our wallet documentation for more information.

Updated dispute paths

The paths for all dispute endpoints have been prefixed with /accounts/{accountID} to scope permissions to the specified account. For example, to retrieve a list of all disputes: /disputes has become /accounts/{accountID}/disputes

We suggest updating all endpoints in your application as soon as possible. See our disputes API for more information.

Updated velocity limits

Velocity limits for Visa and Mastercard push to card transactions are now the following:

Updated Apple Pay scopes

Apple Pay scopes have been updated from apple-pay.write and apple-pay.read to the following:

• apple-pay-merchant.write
• apple-pay-merchant.write

Bug fixes

• Fixed an account linking bug in the payment method Drop
• Added missing 400 responses to the cards and accounts endpoint documentation

Onboarding Drop

We’ve improved the onboarding Drop experience. The business representative steps will now be skipped if only the transfer capability is requested.

Card link Drop bug fix

We’ve fixed an issue in the card link Drop where the error icon was not honoring the fill opacity.

Branding options

Business accounts now have the ability to set brand colors for light and dark modes. You can choose and set brand colors in the Dashboard settings or with the enrichment API. Brand colors help your customers identify your brand throughout Moov’s hosted onboarding process.

Moov.js

Linking a bank account will now send a request with the x-wait-for: payment-method header, allowing for client apps to use the paymentMethodID that comes back in the response.

Moov.js now includes methods for using Moov’s new [instant bank account verification](moov.accounts.bankAccounts.startMicroDepositVerification({accountID, bankAccountID})) flow.

• moov.accounts.bankAccounts.startVerification({accountID, bankAccountID})
• moov.accounts.bankAccounts.getVerification({accountID, bankAccountID})
• moov.accounts.bankAccounts.completeVerification({accountID, bankccountID, code})

See the Moov.js docs for more information.

General improvements

• Improved the success rate of auto-fetching images for Moov accounts and financial institutions on linked bank accounts.
• Added EIN as an available field for use with Data Sync.
• Dashboard sign in verification codes are delivered faster.

Bug fixes

• Fixed a bug with card fee assessments.
• Fixed a bug with American Express chargeback inquiry processing.
• Fixed a bug preventing date of birth from being entered in the Dashboard onboarding process.
• Fixed an issue where Moov account capabilities could be in a pending status without requirements.