Launch checklist
Work through this checklist with your team to confirm your integration is ready to move real money. Skip items that don't apply to your use case.
If you haven't built your integration yet, start with the quick start. For questions about your integration, contact Moov support.
Build and test in test mode
- Create test accounts and run your full payment flow with test mode data
- Simulate failures, such as declined cards, ACH returns, and disputes, and confirm your integration handles each one
- Invite team members with the right roles
Authentication and keys
- Create production API keys and store them in a secrets manager, not in code
- Use Basic or OAuth authentication for server-to-server calls
- For Moov.js and Drops, generate access tokens on your server with only the scopes each page needs
- Send a current
x-moov-versionheader on every request
Webhooks
- Set up webhooks in production mode for the events you rely on, such as transfer, capability, and account updates
- Check webhook signatures with the production signing secret
- Handle deliveries: respond within 5 seconds and skip duplicate
eventIDvalues
Onboard accounts
- Create accounts for your users and merchants, using hosted onboarding where possible
- Collect acceptance of the platform agreement
- Request only the capabilities each account needs, and handle missing requirements with resolution links
- Link cards with the card link Drop. Linking cards directly through the API requires an attestation of PCI compliance.
- Link and verify bank accounts, optionally with instant verification through Plaid or MX
- Confirm which payment methods your flows use
Move money
- Create transfers for each flow you support, such as funding a wallet, push to card, instant payments (RTP or FedNow), or account to account
- Send an idempotency key with every transfer
- Handle transfer responses and statuses, including failures and returns
Billing
- Sign your agreement with Moov and confirm your fee plan. Contact us if you haven't.
- Decide which plan options to assign to the accounts you onboard, and whether to use partner billing
Switch to production
- Complete verification, business representatives, and underwriting for your own account
- Switch to production mode and replace test account IDs, API keys, webhook URLs, and signing secrets
- Run a small live transaction end to end and confirm the webhooks arrive
- Optional: Migrate data from your previous processor
- Optional: Review UX best practices for onboarding and payment flows