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  2. Fee plans

Assign fee plans

Use this step by step guide to learn how to configure payment processing fees for your platform.

Moov strongly suggests creating accounts and assigning fee plans through our Dashboard’s onboarding process. The Dashboard’s onboarding flow provides merchants the terms of service and your chosen fee plan for them to accept.

Assign plan type

When you select a plan for a merchant, it will either be a standard flat rate or interchange cost plus plan. You can preview each plan’s pricing disclosure within the Dashboard. For more details on fees and plan types, visit the plan options guide.

Flat rate: Lump all the processing fees together with a flat rate customized for each merchant. Beneficial for merchants with a low transaction volume that prefer a predictable solution over lowering cost as much as possible.

Flat rate plans have a $500 monthly transaction minimum.

Cost plus: Card networks’ interchange fees and Moov’s processing markup are passed along to the merchant. Beneficial for merchants with a high and varied transaction volume that prefer to have more control over fees. Fees are broken down into a more digestible and transparent format.

Dashboard

Use the Dashboard to create new accounts and select fee plans. At this time, existing accounts cannot be assigned a fee plan in the Dashboard. If you need to assign fee plans to existing accounts, use the API instructions below, or contact Moov support.

When you create a merchant account with an onboarding link, you’ll be asked to select a variety of things, such as account type, capabilities, and a pricing model. Under the pricing plan section, select a standard flat rate plan or an interchange cost plus fee plan.

Choose billing plan

View the complete onboarding link guide for full instructions on creating merchant accounts in the Dashboard.

API

With the Moov API you can:

  • Assign a fee plan for a new account with the onboarding API
  • Assign a fee plan to an existing account with the fee plan API

To create a new account with a fee plan, use the onboarding API. You’ll send a variety of information in the request, such as capabilities, and a pricing model. You can also prefill any existing data you may have for a merchant, such as account type, name, and address.

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curl --X POST "https://api.moov.io/onboarding-invites" \
  -H "Authorization: Bearer {token}" \
  --data-raw '{
    "scopes": [
     "accounts.read"
    ],
    "capabilities": [
      "transfers"
    ],
    "feePlanCodes": [
      "merchant-direct"
    ],
    "prefill": {
      "mode": "production",
      "accountType": "individual",
      "termsOfService": {
        "token": "UUID"
      },
    }
  }'\

The example above sends a terms of service token. Any merchant that requires wallet, collect funds, send funds, or card issuing capabilities must agree to Moov’s terms of service. You can generate a token with the accounts API and send it with your onboarding request. Visit the platform terms of service agreement guide for details about Moov’s terms of service requirements.

Visit the hosted onboarding guide for more information about creating onboarding links with the API.

To assign a fee plan to an existing account, you’ll need to retrieve the account’s accountID. An account ID can be found in an account’s Dashboard profile, or you can use the list accounts endpoint.

Once you have the accountID use the fees GET endpoint to list all fee plans available to assign to that merchant. The response will include a planID which is used to create a fee plan agreement.

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curl -X GET "https://api.moov.io/accounts/{accountID}/fee-plans" \
  -H "Authorization: Bearer {token}" \

After retrieving a planID, use the fees POST endpoint to create a fee plan agreement.

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curl -X POST "https://api.moov.io/accounts/{accountID}/fee-plan-agreements" \
  -H "Authorization: Bearer {token}" \
  --data '{
    "planID": "UUID"
  }'\

Pricing disclosure

When you set up a merchant with a fee plan, they’ll receive a pricing disclosure they need to accept. The pricing disclosure shows the rates for the following:

  • Card acquiring
  • Instant payments (AFT, OCT, RTP)
  • ACH
  • Transaction management fees
  • Platform fees
  • Network fees

Pricing disclosure

View merchant fee plans

If you need to make changes to a pricing model, such as increasing fees or changing the billing period, you must contact Moov.

To view a merchant’s fee plan in the Dashboard, navigate to Accounts > Pricing.

Billing fees

To view a merchant’s fee plan with the API, pass the accountID to the fee plan agreements GET endpoint.

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curl -X GET "https://api.moov.io/accounts/{accountID}/fee-plan-agreements" \
  -H "Authorization: Bearer {token}" \

Resources

Once you’re ready to create accounts and assign fee plans, use the following resources:

Summary Beta