Guides API reference Use cases Changelog

Guides

Moov is a money movement platform: one API to onboard accounts, accept card and bank payments, pay out, and hold funds in wallets.

Start here

Sign up and make your first test payment, plan your integration, authenticate your API calls, then follow a recipe end to end.

Step 1

Quick start

Sign up for Moov, take your first test payment with a payment link, and onboard your first connected account, using the Dashboard or the API.
Step 2

Plan your integration

Answer questions about your business, money flows, and stack to get a tailored Moov integration plan and a downloadable architecture decision record.
Step 3

Authenticate API requests

Authenticate Moov API requests with Basic authentication from your server or OAuth2 access tokens for Moov.js, Drops, and scoped calls.
Step 4

Pick a recipe

End-to-end API walkthroughs that chain accounts, sources, payment methods, transfers, and webhooks into a complete money movement flow.

Common tasks

Accept a card payment

Create a merchant account, enable card payments, link a customer's card, charge it, and track the payment with webhooks.

Pay out to a bank account

Create a recipient account, link and verify their bank account, and pay them from your wallet with ACH or instant payments, then handle returns.

Fund and spend from a wallet

Check a Moov wallet balance, fund it from a verified bank account with an ACH debit, pay out from it, and automate settlement with sweeps.

Handle webhooks end to end

Register a webhook endpoint, verify Moov's signature, respond fast, process each event once, and react to transfer status changes in test mode.

Refund, reverse, or cancel a payment

Decide whether to cancel, refund, or reverse a card or ACH payment, call the right endpoint, issue partial refunds, and track the outcome with webhooks.

Browse by area

Every guide, grouped the same way as the sidebar.

Get started

Quick start

Sign up for Moov, take your first test payment with a payment link, and onboard your first connected account, using the Dashboard or the API.

Plan your integration

Answer questions about your business, money flows, and stack to get a tailored Moov integration plan and a downloadable architecture decision record.

Integration options

Compare ways to integrate with Moov, from no-code hosted links and the Dashboard to Drops, Moov.js, SDKs, and the API.

Recipes

End-to-end API walkthroughs that chain accounts, sources, payment methods, transfers, and webhooks into a complete money movement flow.

API authentication

Create API keys, authenticate your requests, and use test mode keys to build safely before you move real money.
Onboard

Accounts

Create and manage Moov accounts for your users, collect onboarding requirements, request capabilities, and connect accounts to your platform.

Sources

Link bank accounts and cards to Moov accounts. Moov uses each linked source to generate the payment methods you reference in transfers.
Move money

Accept payments

Accept payments from customers with cards, Apple Pay, Google Pay, payment links, invoices, and tipping.

Send payouts

Send payouts to bank accounts and cards with ACH, instant payments (RTP or FedNow), or push to card, and decide who pays payout fees.

Transfers

How Moov transfers work across rails, payment methods, scheduling, transfer groups, receipts, statuses, and ACH processing.

Wallets

Store funds in Moov wallets, move money between wallets, and fund or cash out wallets.

Card issuing

Issue virtual Visa prepaid spending cards funded by a Moov wallet, then manage card limits, authorizations, and transactions.
Platform

Webhooks

Get notified in real time when transfers, accounts, sources, and other Moov resources change, instead of polling the API.

Developer tools

Tools that speed up a Moov integration, from AI assistants and Postman to API versioning guidance, data sync, and the glossary.

Business tools

Build a product catalog, manage an image library, and give connected accounts direct access to Moov support with business tools.

Dashboard

The Moov Dashboard is an online portal where you can create and manage Moov accounts, transfers, and settings.
Go live

Launch checklist

A checklist to confirm your Moov integration is ready to launch, from API keys and webhooks to your fee plan and production mode.

Production mode

What changes when you move from test mode to production mode, and what Moov needs from you before your production account can move real money.

Data migrations

Securely migrate sensitive payment data from your previous payment processor.

UX/UI best practices

Use the tips in this guide to ensure your custom UX/UI enables your customers to have smooth onboarding and money movement experiences.

Billing & fees

Understand Moov fee plans, fee types, merchant and partner billing, residuals, and reconciliation so you can monetize payment processing.

Reference

API reference

Endpoints, authentication, errors, and rate limits for the Moov REST API, with request and response examples for every operation.

SDKs & UIs

Official Moov SDKs for server languages, Moov.js, Drops, and Tap to Pay on iPhone and Android, with install steps and API version support.

Moov.js

Moov.js is a browser library for calling the Moov API with scoped access tokens and collecting PII through Moov Drops UI components.

Use cases

Industry overviews that show how money moves on Moov and which guides and recipes to follow to build it.

Changelog

New features, fixes, and API versions as they ship.

Glossary

An overview of Moov's key terms and concepts.

Common questions

Each answer also lives on the guide it belongs to.

Transfers overview
Why did a transfer fail?
Transfers can fail for a number of reasons related to the source or destination, or due to insufficient funds. Read our transfer failures guide to learn more.
Can I re-start a transfer that never completed?
Depending on the status of the transfer, you may be able to replay that transfer. Transfers in a "non-terminal" state (such as a child transfer stuck in queued) can be replayed by Moov, but transfers with the failed status are in a "terminal state," meaning they cannot be replayed in our system. For reinitiating transfers that were in a terminal state, you will need to create a brand new transfer with the same details.
How do I retrieve a large number of transfers?
The list transfers endpoint returns up to 200 transfers per page (set the page size with count). For large result sets, use cursor pagination: when more transfers are available, the response includes an X-Next-Cursor header. Pass its value as the cursor query parameter, with the same filters and count, to get the next page. Filters such as startDateTime and endDateTime, status, and accountIDs keep each page to the transfers you need.
Verification
The business name could not be verified.
Double check that the provided name is the full legal business name and there are no typos. If everything is accurate, but the name cannot be verified, Moov will require one of the following: EIN letter from the IRS or Articles of Incorporation. The documents provided must list the name as entered into Moov's system.
The business address could not be verified.
Double check the address was entered correctly and that the business representative's residential address was not used as the commercial business address. Commercial addresses cannot be a PO box, commercial mailing receiving agency, or registered agent.
The business has a PO box, commercial mailing receiving agency, or registered agent listed as the commercial address.
Commercial business addresses cannot be a PO box, commercial mailing receiving agency, or registered agent. The address must be a valid, physical location where the business operates.
Moov can't verify the TIN or EIN.
Double check the EIN is correct and the legal business name exactly matches IRS records (including punctuation and abbreviations). If everything is accurate, and Moov returns a tax ID mismatch, you will need to upload one of the following documents showing the EIN and legal name: EIN confirmation letter from the IRS or a tax document (for example, a 1099).
The business does not have past processing statements.
Moov needs to understand the volume of transactions the business intends to process. You will need to provide the average number and dollar volume of transactions you will be processing monthly and the average dollar amount of individual transactions.
Do I need to run my users through KYC again if I am switching to Moov?
Yes. KYC requirements pertain to each relationship an account holder has with the sponsor bank, so we are required to perform these checks again.
How long does verification take?
It depends. Automatic verification can take less than a second but if there is an error or the data requires manual review, the process may involve additional information or documentation and take up to several days.
Are there special requirements for business representatives?
Yes. See our business representative guide for more information.
Business representatives
The individual or business representative’s name could not be verified.
Moov requires an unexpired government issued ID that shows the full name. Acceptable documents include an unexpired drivers license or ID card. In certain situations where an ID is not available, a residential lease or mortgage document may suffice. The address provided cannot be a commercial address.
The individual or business representative’s residential address could not be verified.
Moov requires an unexpired government issued ID that shows the residential address. Acceptable documents include an unexpired drivers license or ID card. In certain situations where an ID is not available, a residential lease or mortgage document may suffice. The address provided cannot be a commercial address.
The individual or business representative's date of birth could not be verified.
Moov requires an unexpired government issued ID that shows the date of birth. Acceptable documents include a drivers license, passport, or ID card.
The individual or business representative’s SSN could not be verified.
Moov requires a government issued document that shows the individual’s SSN. Acceptable documents include a SSN or ITIN card, a tax return statement, or a W2.