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.

Transfer updates

The following IDs have all been added to the transfer model:

• sweepID
• occurrenceID
• scheduleID

The sweep ID is present when the transfer represents a sweep generated by Moov from the wallet. The schedule ID provides a reference to the schedule the transfer was automatically created from. The occurrence ID provides a reference to the specific occurrence of that schedule.

Moov recently released a scheduled transfers beta. The new schedule ID and occurrence ID make it easier to filter and find scheduled transfers. See our scheduling API for more details.

In addition, the default statement descriptor on a sweep is now in the following format: swp_6d72dh. The default sweep statement descriptor can be overwritten by setting your own statement descriptor when initiating a sweep. See the API reference for details.

Mastercard settlement timing

Mastercard has updated their cutoff time for processing card payments. The cutoff is now 2 AM ET instead of 6 PM ET. Transfers created before the cutoff time are typically credited to a merchant’s Moov wallet the next banking day.

See our settlement timing guide for more information.

Dashboard bug fixes

• Fixed an issue where the capability status would be shown as "In Review" instead of "Pending" in certain situations.
• Fixed an issue where the search bar would be hidden if the search request by ID had no results.
• Fixed an issue where an error would appear instead of an empty result when searching for accounts.

Card brand updates

We've implemented the standard fall updates for card brands, including new interchange calculation tables.

American Express

We've implemented American Express's new discount fees for utility merchants:

Visa

We've implemented Visa's interchange changes for the following programs:

New installment credential standard credit product for AP region:

Changes for corporate & purchasing fee programs for transactions from fleet & fuel merchants:

Two fee programs will no longer be supported:

Moov Drops

We freshened up the design of the onboarding, payment method, and file upload Moov Drops, improving behavior on small screens and increasing color contrast and legibility.

You can now customize the border radius of elements within the onboarding, payment method, and file upload Moov Drops. Use --moov-radius-large and --moov-radius-small in your theme to change them from the default.

Show your business' avatar on the start page of the onboarding Drop by adding the showLogo property to the component or setting the show-logo attribute to true.

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<moov-onboarding show-logo="true"></moov-onboarding>

<!-- or -->
<script>
  const onboardingDrop = document.querySelector('moov-onboarding');
  onboardingDrop.showLogo = true;
</script>

• Financial institutions will be asked for their primary regulator from the onboarding Drop.
• Loan linked bank account type can be added from the payment method and onboarding Drops.

Wallets

Now by default, transfers created by sweeps include a short, unique identifier used in company entry descriptions which appear on the recipient’s bank statement. On each sweep, you can view this descriptor in the statementDescriptor field.

Accounts

The transfers capability no longer requires a website or description for businesses.

Bug fixes

• Improved error handling for the add funds flow.
• Fixed a bug in which disabled payment options were being returned as transfer options.
• Fixed a bug where the status reason for RTP credit failure was not appearing.
• Fixed a bug where transfer details stopped loading when viewing multiple transfers back to back.
• Fixed a bug where RTP transactions were showing 0000 as the transactionID instead of MOOV.
• Fixed a bug where the account selector in the Dashboard eventually stops working.
• Fixed a bug where ACH credit failures were not producing the correct failure response.
• Fixed a bug where accounts were receiving a message that a website or description was missing even though the requirement has been removed.
• Fixed misspelling of "website" in an error message in the onboarding Drop.
• Fixed an issue that prevented Moov Drop dialogs from scrolling vertically on small screens.
• Fixed an issue where the representative avatar was loading the main Moov account avatar instead in the onboarding Drop.

Account name inquiry in test mode

Test mode now supports name verification with Visa's ANI verification. You can test various results by entering in different name combinations.

View our test mode guide for more information.

New transfer history endpoints

Two new endpoints have been added to the accounts API:

• /accounts/{accountID}/transfers/{transferID}
• /accounts/{accountID}/transfers

These endpoints allow you to retrieve an account transfer or list account transfers using query parameters. Moving forward, we suggest using the new list account transfers endpoint over the existing list transfers endpoint.

Go SDK updates

Webhook support for sweeps has been added to the Go SDK.

Additionally, the verifyName field has been added on POST /cards and the verifyName and holderName fields have been added on PATCH /cards/{cardID} to support ANI verification.

API updates

We've relaxed the validation for the website field within a business profile to allow paths.

Dashboard updates

We added the ability to search by sweepID in the wallet view of the Moov Dashboard (previously this was only available via the API).

Bug fix

We fixed a bug where an account's capabilities could show a pending status with no listed requirements.

Additional linked bank account types

Moov now supports general ledger and loan linked bank account types. Loan accounts allow sending credits to external loan accounts for repayment. General ledger accounts allow financial institution users to link their general ledger accounts.

See our bank account guide for more information.

Test card updates

The data for cardCategory, regulated, and commercial has been updated for test mode cards.

For the test card starting with number 411111:

• cardCategory is "PERSONAL"
• regulated is true

For the test card starting with number 601111:

• cardCategory is "TRADITIONAL REWARDS"
• commercial is true