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2. Billing

Choose a pricing model, which determines how fees are structured and presented. Within your chosen model, fees are assessed when specific billable events occur. Clearly defined fee assessments and transparent pricing during the merchant onboarding process helps build sustainable revenue while giving merchants confidence in how they are billed.

Pricing models

Fee plans can be assigned to a single merchant or reused across many merchants. Moov supports two pricing models:

• Flat rate pricing
• Interchange cost-plus pricing

Both models offer the same processing capabilities and reliability. The difference is how fees are structured and presented. Each fee plan defines the fee type and the amount charged when a billable event occurs.

Flat rate pricing

Flat rate pricing offers a simplified and predictable pricing structure by consolidating processing costs into a single rate. Flat rate pricing is well suited for:

• Businesses with lower transaction volumes
• Businesses that prioritize predictable fees over cost optimization
• Merchants who prefer simple pricing with minimal fee breakdowns

Interchange cost-plus pricing

Interchange cost-plus pricing provides an itemized fee structure that passes through card network fees and interchange—while allowing you to apply a markup for additional processing costs. This model gives merchants greater visibility into their true processing costs. Interchange cost-plus pricing is ideal for:

• Businesses with higher transaction volumes
• Merchants focused on minimizing processing costs
• Businesses that value detailed fee transparency
• Merchants who want to optimize payment strategies using fee-level insights

Billable events

A billable event is an action on Moov's platform that triggers a fee assessment. The fees that are charged to your customers are determined by their fee plan agreement.

Fees are applied whenever the billable events occur and match the configured conditions. Multiple fee conditions can apply to the same event, and all matching rules are assessed. Supported billable events include:

• Transaction volume such as ACH, RTP, Push & Pull transaction volume, and card settlement & authorizations
• Exceptions and services including ACH returns and notices of change, disputes and value added card services
• Recurring monthly account fees such as wallet fees and payment acceptance fees

Full list of billable events:

Create and assign fee plans

Moov recommends creating accounts and assigning fee plans during onboarding, either through the Dashboard or the API. Using the onboarding flow ensures merchants are presented with both the applicable terms of service and the selected fee plan, and are able to review and accept them as part of account creation.

For new merchants, fee plans are assigned as part of onboarding. When assigning a fee plan to a merchant, you can choose between the pricing models outlined above:

• Standard flat rate plans
• Interchange cost-plus plans

Fee plans are configured by Moov. If you need to create a new fee plan or modify an existing plan (for example, to support a new pricing structure or business model), contact Moov support. Once created, fee plans can be assigned during merchant onboarding though the Dashboard or via the API. You can preview each plan's pricing disclosure in the Dashboard before assigning it.

Hosted onboarding in the Dashboard

In the Dashboard, you can create a hosted onboarding link to set up a merchant account. During this process, you'll be prompted to select the following:

• Account type
• Capabilities
• Pricing plan

Under Pricing, select either a standard flat rate plan or an interchange cost-plus plan.

See the Dashboard onboarding guide for step-by-step instructions.

Onboard via API

Create onboarding links and assign fee plans programmatically using the onboarding API. In addition to capabilities and account details, you'll specify one or more fee plan codes.

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curl --X POST "https://api.moov.io/onboarding-invites" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \
  --data-raw '{
    "scopes": [
      "accounts.read"
    ],
    "capabilities": [
      "transfers"
    ],
    "feePlanCodes": [
      "b6134307-8922-4a72-bf3c-d0297bbe8a35"
    ],
    "prefill": {
      "mode": "production",
      "accountType": "individual",
      "termsOfService": {
        "token": "UUID"
      }
    }
  }'

You can also prefill merchant information such as account type, name, and address. For more details, see the hosted onboarding guide.

View or update existing plans

To view a merchant's current fee plan agreement either navigate to Accounts > Pricing in the Dashboard, or use the GET fee agreements endpoint.

If you need to update a pricing model, such as increasing fees, changing billing frequency, or modifying plan structure, contact Moov support.

Pricing disclosures

You are responsible for merchant-facing communications regarding pricing. Any changes or updates to a fee plan must be communicated to and accepted by merchants. If you use Moov's hosted onboarding process, Moov presents the pricing disclosure with the onboarding link. The disclosure lists the rates in the plan you selected.

All fee plans must be accepted by the merchant before processing. Any changes to existing fee plans must go through a Moov representative, and must be communicated and accepted by merchants before they can be implemented.

You can preview detailed pricing disclosures for both plan types in the Dashboard.

Resources

To create accounts and assign fee plans, use the following resources:

• Onboarding links in the Dashboard (suggested)
• Hosted onboarding API overview
• Onboarding API
• Merchant billing API
• Partner billing API