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  3. Capabilities

Capabilities reference

Explore available capabilities, what they enable, and common use cases.

Capabilities define which payment functions a Moov account can use. Enabling a capability on Moov account unlocks a specific payment function (for example, collecting card payments or sending ACH credits). They ensure compliance with financial regulations and payment network rules while giving you granular control over the functionality available to your users.

The capabilities below are available with Moov API v2025.07.00 and later. Earlier versions of our API support legacy capabilities (send-funds, collect-funds, and wallet). API v2025.07.00 allows you to request capabilities on a more granular level, speeding up verification and enablement.
Capability Description Auto-enabled Requirements
transfers Enables participation in any Moov transfer Yes None
wallet.balance Enables holding funds in a Moov wallet and allows wallet-to-wallet transfers Conditional Verification
collect-funds.card-payments Accepts payments via credit/debit cards and digital wallets No Verification & Underwriting
collect-funds.ach Accept ACH debit payments from bank accounts No Verification & Underwriting
send-funds.ach Send ACH credit transfers (standard or same-day) No Verification & Underwriting
send-funds.instant-bank Send instant bank transfers via RTP & FedNow No Verification & Underwriting
send-funds.push-to-card Push funds to cards via Visa Direct or Mastercard Send No Verification & Underwriting
money-transfer.pull-from-card Pull funds from debit/prepaid cards for account funding or P2P No Verification & Underwriting
money-transfer.push-to-card Push funds to debit/prepaid cards for withdrawals or P2P No Verification & Underwriting
card-issuing Create and manage virtual prepaid cards funded by a Moov wallet No Verification & Underwriting

Transfers

The transfers capability is automatically requested and enabled for all Moov accounts that meet minimum data requirements for account creation. When this capability is disabled, the account cannot move money in or out.

Key Enables Auto-enabled
transfers Participation in any Moov transfer Yes

Wallet

Moov wallets are required to accept or disburse funds on the platform. The wallet.balance capability is automatically requested when an account enables any collect-funds, send-funds, money-transfer, or card-issuing capability.

Key Enables Auto-enabled
wallet.balance Hold funds in a Moov wallet; participate in wallet-to-wallet transfers Yes, when any collect/send/money-transfer/card-issuing capability is enabled

Collect funds

Collect funds capabilities allow accounts to pull money into Moov by charging customers’ payment methods.

Key Enables Use cases
collect-funds.card-payments Accept card and digital wallet payments Online checkout, subscriptions, tap-to-pay POS
collect-funds.ach Accept ACH debit payments Recurring billing, invoicing, B2B payments

Send funds

Send funds capabilities allow accounts to push money out for payouts and disbursements.

Key Enables Use cases
send-funds.ach ACH credits (standard and same-day) Vendor payments, loan disbursements
send-funds.instant-bank Real-time payouts via RTP and FedNow (coming soon) Insurance claims, instant disbursements
send-funds.push-to-card Instant card payouts (Visa Direct & Mastercard Send) Gig economy payouts, same-day withdrawals
You may see send-funds.rtp in the API. This will be deprecated in favor of send-funds.instant-bank, which supports RTP (and will support FedNow in the future).

Money transfer

Money transfer capabilities allow eligible financial institutions and platforms to move funds to and from debit or prepaid cards. Common use cases include funding external accounts, me-to-me transfers (moving money between a user’s own accounts), and peer-to-peer (P2P) payments.

These capabilities are limited to approved and specialized use cases. To determine whether your organization qualifies, please contact Moov.

Key Enables Use cases
money-transfer.pull-from-card Pull funds from cards (Visa Direct & Mastercard Send) Account funding, me-to-me, P2P
money-transfer.push-to-card Push funds to cards (Visa Direct & Mastercard Send) Withdrawals, me-to-me, P2P

Card issuing

The card issuing capability allows businesses to issue virtual prepaid cards, funded from a Moov wallet, for embedded spending, expense management, and other controlled-spend use cases. The card issuing capability is in beta - contact Moov if you have a use case.

Key Enables Use cases
card-issuing Create and manage virtual prepaid cards Expense management, controlled vendor payments

Use cases

Use the following sections to explore common capability use cases.

Source and destination accounts

In a Moov transfer, source and destination accounts may require different capabilities:

  • Collect funds: The destination account (your user) pulls money from a customer (source).

    • Destination: requires a collect-funds capability
    • Source: requires only transfers

  • Send funds: The source account (your user) pushes money to a recipient (destination).

    • Source: requires a send-funds capability
    • Destination: requires only transfers

Combined flows

Some business models require both collecting payments and sending payouts—for example, platforms with integrated billing and disbursement, or lenders that collect repayments and disburse loan proceeds.

These flows are supported by enabling both collect funds and send funds capabilities. Examples:

  • Lending platforms:
    Collect repayments via collect-funds.ach or collect-funds.card-payments,
    Disburse loan proceeds via send-funds.ach.

  • SaaS billing platforms:
    Collect customer payments via collect-funds.ach,
    Pay vendors via send-funds.instant-bank.

Common business models

Business model Party Capabilities Flow
Ecommerce Merchant collect-funds.card-payments, wallet.balance Customer pays → Funds settle to merchant wallet
Customer transfers
Lending Lender collect-funds.ach, send-funds.ach, wallet.balance Lender disburses loan → Borrower repays over time
Borrower transfers
SaaS billing Biller collect-funds.ach, send-funds.ach, wallet.balance Business pays invoice → Biller collects and pays vendor
Business transfers
Vendor transfers
Insurance Insurer send-funds.instant-bank, wallet.balance Claim approved → Real-time payout to policyholder
Policyholder transfers
Summary Beta