Data sync

Data sync is a new no-code feature that sends your Moov account data to Google BigQuery, allowing you to access your payment data with tools you use to run your business, like Looker and Tableau.

Test mode updates

• Winning and losing disputes: You can now simulate winning or losing disputes by entering the text evidence specified in the test mode guide.
• RTP failures: We also added the ability to simulate various failure scenarios with RTP in test mode. See the test mode guide for the list of failure cases.

ACH micro-deposit return code update

An R29 return code for ACH micro-deposits will now result in the bank account status verificationFailed and you will need to re-verify the account. See our documentation on ACH return codes for more information. Note that some return codes will result in a different status for ACH micro-deposits and ACH transfers.

Disputes updates

When a merchant receives a dispute, they can now accept or challenge the dispute through the disputes response endpoint in the API. We’ve also added a new dispute.updated webhook that will generate if there is a change to a dispute’s status or phase .

Dashboard bug fix

We resolved an issue in the Dashboard where business address details weren’t carried over from the autofill form field to the manual address entry fields.

Reminder: API field updates

This is a final reminder to review your app to determine if you’re still using the deprecated fields listed below, or if the new in-review capability status will negatively impact your system. Read more for context below.

A few weeks ago, we announced new deprecated fields:

• Account verificationStatus
• Underwriting status

We also announced the in-review capability status, which communicates when Moov is manually reviewing account details to enable a capability — you don’t need to take any further action. The existing pending status will notify you if further action is needed, for example, providing any missing capability requirements.

Pull from card available in test mode

You can now use test card numbers for both pull-from-card and push-to-card payment methods. You can use these payment methods in test mode to simulate completed and failed Visa and Mastercard transfers.

To use these payment methods in test mode, you’ll need to remove existing test card numbers. This includes 4111111111111111 for transfers and/or 4000020000000000 for declines.

Find more information and instructions in the test mode guide.

Disputes available in test mode

Test card numbers are also now available to simulate disputes for Visa, Mastercard, Discover, and American Express. You can simulate chargebacks, as well as American Express inquiry disputes.

Find more information and instructions in the test mode guide.

Reminder: API field updates

Last week, we announced new deprecated fields:

• Account verificationStatus
• Underwriting status

Review your app to determine if you’re still using the deprecated fields.

We also announced a new in-review capability status. The in-review status communicates when Moov is manually reviewing account details to enable a capability — you don’t need to take any further action. The existing pending status will notify you if further action is needed, for example, providing any missing capability requirements.

Review your app to determine if the new in-review capability status will negatively impact your system.

Debt repayment transfers

Merchants that service loans or other debt payments may be eligible for lower interchange fees by enabling debt repayment for their account. See our debt repayment guide for more information, or contact us if you have a debt repayment use case.

American Express

Moov now supports American Express card processing. If you’re interested in processing Amex, please submit a request by selecting Amex OptBlue in the dropdown menu.

SEC codes

You now have the option of specifying an SEC code in certain ACH transfer request scenarios. The following SEC codes are available to set: CCD, PPD, WEB, and TEL. See our ACH transfer guide for more information.

API updates

Deprecation notice

The following two fields related to accounts have been deprecated:

• Account verificationStatus
• Underwriting status

To determine if an account is able to perform a given action, look for changes in the status of the requested capabilities for an account.

New capability status

The new in-review capability status communicates when Moov is manually reviewing account details to enable a capability - you don’t need to take any further action. The existing pending status will notify you if further action is needed, for example, providing any missing capability requirements.

Please review your app to determine if you’re making use of the deprecated fields, or if the addition of the new in-review capability status will negatively impact your system.

Instant disbursements with push to card and RTP

Moov has enabled immediate payouts to linked debit cards and bank accounts via Visa Direct, Mastercard Send, and RTP. This feature is now fully available in test mode and to early adopters in production, with use cases for loan disbursements, gig payouts, and e-commerce settlements.

Instant disbursements unlocked

• Around-the-clock availability: Execute payments to debit cards or bank accounts any time, including weekends and holidays.
• Create new revenue streams: Offer end users the option for faster payments and leverage facilitator fees to unlock new revenue opportunities.

Push-to-card: Quick funds for debit card users

For enabled push to card customers, a new push-to-card payment method is automatically generated when an eligible debit card is linked to a Moov account. Transfer funds between a moov-wallet and push-to-card payment method and see them credited within 30 minutes or less.

RTP: Real-time bank transfers

With RTP, you can instantly transfer funds from a Moov wallet to eligible bank accounts. The rtp-credit payment method is automatically generated for eligible bank accounts and will automatically update as additional banks join the RTP network.

Available in test mode

View the push to card and RTP test mode guides to see how you can experience the full capabilities of instant disbursements on test accounts with pre-populated sample data.

Enable in production

To use instant disbursements in a production environment, contact our sales team.

Terms of service Moov Drop

Our new, pre-built terms of service Drop provides users links to our privacy policy and terms of service agreement. We’ll generate a token in the background that you can use to update the account to be compliant with Moov’s terms of service.

Disconnect accounts with the API

We’ve added a new DEL endpoint in the /accounts API. Provide the account and bank account IDs to disconnect an account. See the API reference for more information.

Updated link card response

We’ve updated the link a card POST endpoint to save you time by including the payment method IDs for the card in the response. You’ll no longer need to make a separate call to retrieve them when immediately making a transfer after linking a card.

Failed transfer status update

If money fails to reach the destination in a wallet-to-bank transfer, the status will now appear as failed to align with our status definitions (previously, the status would appear as reversed). Historical transfer statuses will not be changed.

Payment methods query parameter

The list payment methods endpoint includes a new query parameter, paymentMethodType, which fetches payment methods by type. In practice, this means you could combine paymentMethodType with the existing sourceID parameter to find the push-to-card payment method for a particular card ID, or the rtp-credit payment method for a particular bank account.

Moov fees on completed transfers

Moov fees (moovFeeDetails, moovFee, moovFeeDecimal) will now populate once when a transfer completes with final fee amounts. Previously, fees would be populated after authorization and then updated with final amounts on transfer completion.

Facilitator fees in the Dashboard

You can now add a facilitator fee when creating a transfer in the Dashboard.

Ask Moov

Ask Moov is a new generative AI search tool within docs.moov.io that makes searching for answers easy. Use the search field at the top of the page to type your question, and press return. You’ll get a summarized answer, plus links to sources within Moov documentation with more information.

Updated bank account response

The bank account response model now includes a new statusReason, which explains why a status has changed. If the change was caused by an ACH return, you will also now see achReturnCode and exceptionDetails fields.

We’ve also added a new updatedOn field to show when a status update occurred. This field has been retroactively added to all updates, however, all updates prior to 2024 should expect to see a timestamp in December of 2023.

The new fields are viewable within the bankAccount.updated webhook, the bank account GET endpoints, and within the Moov Dashboard.

Business representative requirements

As of January 8th, we’ll be requiring the full social security number for business representatives and individuals that need to be verified. We’ll be reaching out and asking for this information if it’s missing from current representatives.

Payment method IDs in the Dashboard

It’s now easier to find payment method IDs in the Dashboard. These IDs can easily be copied when viewing any wallet, and on the bank account and card detail views.

Design

We gave the Dashboard a fresh coat of paint for the new year, but don’t worry, your workflow is not impacted. We improved the contrast on buttons, made better use of available space, and added other design-related improvements. Moov is a progressive web app, so we’re constantly looking at how we can improve the look and functionality on every device.

Our documentation now supports both light mode and dark mode. The site will update per your OS settings.

API reference redesign

We’ve redesigned the Moov API reference so that it’s now easier to read and understand each endpoint. Every endpoint now has its own page for enhanced clarity.

Mobile search for Moov docs

We have improved the mobile experience for interacting with Moov’s docs. You can now search docs.moov.io on mobile browsers.

American Express network discount fee property

The transfer response model now contains a new discount property within the moovFeeDetails object. The value represents the network discount fee for American Express transactions only. Note the interchange property within moovFeeDetails applies to fees for Visa, Mastercard, and Discover transactions.

Document requirements for capabilities

The retrieve capability GET endpoint and list capabilities GET endpoint now communicate when Moov requires a document to complete verification and enable capabilities for an account. The same information is also communicated via the Moov Dashboard.

We recommend subscribing to the capabilities webhook for any changes to account requirements, then using the list capabilities GET endpoint to determine what documentation is needed.

Outstanding pending capabilities

We started cleaning up old requested capabilities for accounts. If a capability is pending and has missing requirements for 90 days, we will automatically un-request it. Capabilities that are un-requested can be re-requested at any time.

Bug fix

We resolved a bug in the Dashboard where acceptable websites were previously flagged as invalid.

New transfer creation flow

We’ve released a new transfer creation flow in the Moov Dashboard to simplify the end-to-end experience. You will now see a dedicated page to create a transfer versus the previous modal. More features for this flow are coming soon.

Interchange qualification

We have deprecated the interchangeQualification field on the GET and LIST transfers endpoints. We will now surface the card network program that determines the interchange rate in the feeProgram field.

Transfer timestamps

The timestamps in the transfers statusUpdates object have moved to the existing objects achDetails and cardDetails on the transfers and refunds GET endpoints. The statusUpdates object will be deprecated.

Along with this change, we’ve updated transfer details to include an improved timeline in the Dashboard. You will now see progress bars with clickable steps to view the timestamps associated with each stage of the transfer.