Card acceptance
The merchant account needs the collect-funds.card-payments and wallet.balance capabilities. Test with the test cards in test mode.
Choose how to accept cards
| You want to | Use | Payment method |
|---|---|---|
| Take card details on your website or app | Online card payments | card-payment |
| Offer one-tap checkout in Safari or iOS apps | Apple Pay | apple-pay |
| Offer one-tap checkout in Chrome or Android apps | Google Pay | google-pay |
| Take contactless cards in person on an iPhone | Tap to Pay on iPhone | card-present-payment |
| Take contactless cards in person on an Android device | Tap to Pay on Android | card-present-payment |
| Send a cart to a customer's iPhone so they pay with Apple Pay on their own device | Tap to Share on iPhone | apple-pay |
| Charge a saved card on a schedule | Recurring payments | card-payment |
| Pull funds from a debit card instantly (financial institutions) | Pull from card | pull-from-card |
| Collect without building checkout | Payment links or invoices | Any enabled |
After the charge
| Question | Go to |
|---|---|
| When does the money arrive, and what does each card status mean? | Settlement timing |
| Why was a card declined? | Declines |
| How do I give money back? | Reversals (cancels or refunds automatically) |
| A cardholder disputed a payment. What now? | Disputes |
| What appears on the cardholder's statement? | Statement descriptors |
Accept card payments
Link debit and credit cards to a Moov account with the card link Drop, API, or SDKs, save cards on file, and charge them as the source of a transfer.
Apple Pay
Add an Apple Pay button to your website with the Payment Request API, link Apple Pay tokens, and use them to accept card payments or send payouts.
Google Pay
Add a Google Pay button to your website with the Google Pay API, link Google Pay tokens, and use them to accept card payments or send payouts.
Tap to Pay on iPhone
Accept contactless card payments in person on iPhone with Tap to Pay and Moov's iOS SDK, MoovKit, from reader setup through authorization and transfer.
Tap to Pay on Android
Accept contactless card payments in person on Android devices with Moov's Android SDK, from terminal configuration through authorization and transfer.
Tap to Share on iPhone
Use Tap to Share with MoovKit to send a cart to a customer's iPhone, collect their details, and let them pay with Apple Pay on their own device.
Pull from card
Pull funds instantly from a customer's debit card into a Moov wallet with the pull-from-card payment method, including eligibility checks and limits.
Recurring payments
Set up recurring and unscheduled card payments with Moov using card scheme transaction sources like first-recurring, recurring, and unscheduled.
Surcharges
Add surcharges to credit card payments to recoup processing costs, including compliance rules, card type checks, disclosures, receipts, and refunds.
Statement descriptors
Set the text cardholders see on their card statements, at the account level or per transfer, so they recognize the charge and dispute less often.
HSA, FSA & HRA cards
Accept HSA, FSA, and HRA healthcare benefit cards on Visa and Mastercard as a healthcare MCC or 90% rule merchant, including annual registration.
Debt repayment
Compliantly process debt repayment card transactions with Moov and qualify for card network interchange incentive programs that lower your fees.
Settlement timing
Card settlement cutoff times by card brand, what each card transfer status means, and how to reconcile daily card payment activity with Moov wallet balances.
Declines
Understand why card payments are declined, the difference between soft and hard declines, and where to find the failure code on a card transfer.
Reversals
Reverse a card payment with one endpoint: Moov cancels the authorization if the payment hasn't settled, or issues a full or partial refund if it has.
Refunds
Issue full or partial refunds on card payments with Moov's refunds endpoint, and learn when to use the more flexible reversals endpoint instead.
Disputes
How Moov handles card disputes and chargebacks, which webhooks notify you, and how to accept or challenge disputes with evidence via the API or Dashboard.
Transfers API reference
Endpoints, parameters, and examples for this area.