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Every Moov account will receive one test account and one production account. In the Moov Dashboard, navigate to the account switcher in the top left corner and find your production account. Before you move real money, make sure you've familiarized yourself with Moov's platform in test mode.

Verification

Accounts require Know Your Customer (KYC) / Know Your Business (KYB) verification. Verification will automatically take place for accounts that have requested the wallet or send-funds capability. Each capability will have a status denoting where it is in the process:

• Pending - Waiting on information from the account holder.
• Needs review - Waiting on a manual review from Moov.

There are some verification scenarios that may require further action on your part:

• Address cannot be resolved to the individual: Enter the correct data for the business representative or individual, or, if the data is correct, provide a document with proof of address and upload it to your account. Acceptable documents include a driver's license, utility bill, or bank statement.
• No secretary of state filings or inactive status: Upload a document with proof of incorporation.
• Business TIN does not match the name: Upload a document proving the business’ legal name (not doing business as).

Underwriting

In addition to verification, productions accounts with the collect-funds capability will require underwriting. Moov will request a recent processing statement to verify the following:

• Do volume expectations map to what is indicated?
• What is the ratio of chargebacks to sales?
• What is the ratio of refunds to sales?

In addition, Moov may request a bank statement to measure the solvency of the business:

• Does the business name on the bank statement match the business name on file?
• Does the bank account on the statement match the linked bank account?
• Is it a recent bank account statement (previous 3 month period)?
• What is the average daily balance and does the merchant have the funds to cover the expected chargeback and refund liability?

For merchants with no processing history, Moov will set a low transaction velocity limit and will rely on a 90 day rolling average.

Pricing

Your production account will not be fully activated until your merchant fee pricing plan is set. See our billing section for more information.

Update account

Once you're in production mode and ready to start building, make sure to:

Switch out accountID anywhere in your code where accountID is hard coded

• Generate new API keys
• Set up new webhook URLs
• Explore our Quick start guide for starter code step by step instructions

Invite team members

While in production mode, you can invite team members to your production account. Inviting team members to your production account does not enable them to use your test account. If you'd also like to invite team members to your test account, you will need to do that separately in test mode.