# 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                                          | 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](#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](#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)

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)

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 (FedNow support 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)

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](#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](https://moov.io/contact/) 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-cases)

Use the following sections to explore common capability use cases.

### [Source and destination accounts](#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](#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](#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`                                             |                                                         |