You don’t have to be a payments expert to integrate with Moov. Here’s an overview of some key terms and concepts, so you can get started.


Accounts represents a legal entity, and describe the account holder. An account can be created by an individual or a business, and can be linked to other Moov accounts.

Business representatives

A business representative is someone with financial ownership or significant control over a business entity. You’ll need to supply Moov with information about business representatives when creating an account for verification purposes.

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Capabilities determine what each Moov account can do, such as receiving transfers, or sending money to others. For risk and fraud protection purposes, we require detailed information when requesting capabilities. For example, we’ll request more details if an account wants to collect funds than we would for an account receiving funds.


The Moov Dashboard is an online portal that gives you the ability to create and manage Moov accounts and settings.

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Facilitator fees

A facilitator fee is a way for you to monetize payment flows when creating a transfer.

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Funding sources

A funding source is a bank account, payment card, or wallet that is linked to a Moov account.

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Idempotency is a property where an action will result in the same outcome, regardless of how many times you run that action. In payments, idempotency is particularly important because it eliminates the risk of accidentally charging someone twice.

In order to prevent unintentional duplicate API requests, Moov includes an idempotency key (X-Idempotency-Key) in the header for the following endpoints:

You are responsible for generating a UUID v4 idempotency key and setting it in the transfer header. The idempotency key will not expire.

Moov will flag any transfer with the same idempotency key as a duplicate. If you try to create a transfer with the same idempotency key twice, your second attempt will result in a 409 error response indicating that a transfer was previously created with that idempotency key.

Payment methods

Payment methods represent all the ways an account can move funds to another Moov account. The payment methods available for a given Moov account depend on the linked funding source and the capabilities of that account. For example, if your account doesn’t have a linked bank account, the only payment method available to you would be the Moov wallet. Once you’ve added a bank account or card and it’s verified, your account will automatically update with the new payment methods available to you.


Specify scopes to generate an authentication token to use with a specific set of Moov endpoints via Moov.js or any client-side integration. Some scopes are not restricted to a single account, while other scopes require an accountID before generating a token. You may need to generate multiple tokens depending on the task.

Our authentication flow follows the OAuth 2.0 standard.


Transfers are how money moves through our platform. You can transfer money from one Moov account to another, or your Moov wallet to your linked bank account. Every transfer has a source (where the money originates from) and a destination (where the money goes). To orchestrate a transfer, Moov needs just four pieces of information:

  • Source payment method
  • Destination payment method
  • Amount
  • Brief description

To receive a list of all possible payment methods available for a transfer, provide the two accounts you’re moving money between, and the transfer amount.

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A wallet stores funds and can be requested for every Moov account. With a wallet, you have more flexibility for when and how to move funds. You can achieve faster payouts with a wallet as a funding source. Additionally, you can:

  • Transfer funds from one Moov wallet to a different Moov wallet
  • Transfer funds out of your Moov wallet to your bank account
  • Add money from your bank account to your Moov wallet

Visit the Moov dictionary for a comprehensive overview of industry terms.

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