Production mode
Every Moov customer gets one test account and one production account. In the Dashboard, switch between them with the account switcher in the top left corner. Your production account can't move money until Moov approves it, so contact Moov to start verification and underwriting while you build in test mode.
What changes in production mode
| Item | Test mode | Production mode | What to do |
|---|---|---|---|
| API keys | Test mode keys | Separate production keys; test keys don't work | Create production API keys and store them separately |
| Base URL | https://api.moov.io |
https://api.moov.io (unchanged) |
Nothing; the key you authenticate with determines the mode |
| Your partner account ID | Test account ID | Different production account ID | Replace any hard-coded accountID values |
| Accounts, sources, transfers | Sample data, created in test mode | Empty until you create them | Re-create accounts and link sources; IDs from test mode don't exist in production |
| Webhooks | Test webhooks and signing secrets | None until you create them | Set up webhooks with production URLs and store the new signing secrets |
| Capabilities | Enabled automatically | Requested per account and enabled after verification | Request only the capabilities each account needs |
| Team members | Access the test account only | Invited separately | Invite team members in production mode |
| Money movement | Simulated, with faster ACH timing | Real money, real rail timing | Wait for transfer status webhooks instead of assuming completion |
Get your production account approved
Your production account is fully activated after these three steps are complete.
Verification
Moov verifies your business (KYB) and its business representatives. See verification for what's required. Common issues and how to resolve them:
| Issue | Resolution |
|---|---|
| Address can't be matched to the individual | Correct the representative's or individual's details, or upload proof of address, such as a driver's license, utility bill, or bank statement |
| No secretary of state filings, or inactive status | Upload proof of incorporation |
| Business TIN doesn't match the name | Upload a document showing the business's legal name, not its doing business as (DBA) name |
Underwriting
If you'll use the collect-funds capability, Moov also underwrites your business. Moov may ask for:
- A recent processing statement, to check that your expected volume matches what you reported and to review your chargeback-to-sales and refund-to-sales ratios
- A bank statement from the last 3 months, to confirm the business name and linked bank account match, and that your average daily balance can cover expected chargeback and refund liability
Businesses with no processing history start with a low transaction velocity limit based on a 90-day rolling average.
Fee plan
Moov activates your production account after your fee plan is set. See billing & fees.
Next steps
- Work through the launch checklist
- Migrate data from your previous processor