Transfers

Start a transfer

The source and destination payment methods you choose set the rail, and with it the cost, speed, and risk. See choose a payment method to compare them.

Create a transfer with POST /accounts/{accountID}/transfers (API reference), where accountID is your partner account. Two rules apply to every transfer:

• A 2xx response means Moov accepted the transfer, not that money moved. Don't ship goods or mark an invoice paid until the transfer reaches the status that matters for you. See create transfer responses.
• Send an X-Idempotency-Key header. It's required, and it stops a retried request from creating a second transfer. See idempotency.

Get transfer options

Not every source and destination pair is valid, and what's available depends on each account's capabilities. The transfer options POST endpoint returns the valid combinations, accounting for network restrictions such as maximum amounts. Use it to show a payer or payee a menu of ways to move money.

• Send an accountID for the source or destination to list its valid payment methods.
• Add a paymentMethodID to narrow the results. For example, if you know the source is a card, the response lists the destinations that card can pay.

curl -X POST "https://api.moov.io/accounts/{accountID}/transfer-options" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "amount": {
      "value": 100,
      "currency": "USD"
    },
    "destination": {
      "accountID": "string"
    },
    "source": {
      "accountID": "string"
    }
  }'

mc, _ := moov.NewClient()

// your partner accountID
var accountID string

mc.TransferOptions(ctx, accountID, moov.CreateTransferOptions{
  Source: moov.CreateTransferOptionsTarget{
    AccountID: "string",
  },
  Destination: moov.CreateTransferOptionsTarget{
    AccountID: "string",
  },
  Amount: moov.Amount{
    Currency: "USD",
    Value:    1,
  },
})

See payment methods for every valid combination and transfer limits.

Track a transfer as it moves

Each rail moves money on its own schedule:

• Cards authorize in seconds, then settle overnight at the card brand's cutoff.
• ACH moves in batches. A transfer waits for the next cutoff, and banking days are Monday through Friday.
• Instant payments (RTP or FedNow) and push to card run in seconds or minutes, 24/7/365.

A transfer has an overall status, and each leg has its own rail status, such as cardDetails.status or achDetails.status. Both change over time, and the transfer.updated webhook tells you when. Statuses & webhooks lists every status and when a payment counts as successful.

Bank holidays

Transfers created on a bank holiday process on the next banking day, and card settlement due on a holiday shifts to the next banking day. Instant payments (RTP or FedNow) and push to card run every day. The Dashboard shows a notice before an upcoming holiday, and the Federal Reserve publishes the full schedule.

Federal Reserve holidays are New Year's Day, Martin Luther King Jr. Day, Presidents' Day, Memorial Day, Juneteenth, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day.

Where the money lands

Money you collect lands in the receiving account's Moov wallet, not directly in a bank account. Card payments, pulls from cards, and ACH debits all credit a wallet. To get money to a bank account or card, you pay it out from the wallet, either one transfer at a time or automatically with a daily sweep.

A wallet's availableBalance only counts incoming funds once their transfer completes, and money you send out leaves it right away. See wallet balance.

The exception is a bank-to-bank ACH transfer. Moov debits one bank account and credits the other in a single transfer, and the funds pass through Moov without landing in a wallet you can spend from. Not every use case is eligible; see ACH.

Moov may temporarily hold incoming funds for review, for example on a new account or on unusually high volume. See fund a wallet.

Undo a payment

A completed payment isn't always final. A payment is cancelable until it moves. After that, the options depend on the rail:

Returns and disputes

Some payments come back without you doing anything. A cardholder can dispute a card payment, and a bank can return an ACH debit or credit. Moov takes the money back from the wallet that received it, even if it has already been paid out, so the wallet can go negative. Keep listening for transfer.updated and dispute.created after a payment completes.

Timing by rail

The modeler uses this timing. Each rail's guide has the details.

List transfers

The list transfers endpoint returns up to count transfers per page, newest first. Offset pagination with skip is limited to a maximum skip of 200,000. To paginate through larger transfer histories, use a cursor instead.

Request the first page without a cursor:

curl -i "https://api.moov.io/accounts/{accountID}/transfers?status=completed&count=200" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00"

If more transfers are available, the response includes an X-Next-Cursor header:

HTTP/1.1 200 OK
X-Next-Cursor: eyJ2IjoxLCJ0IjoiMjAyNi0wOS0yNVQxMjowMDowMFoiLCJpZCI6IjAwMDAwMDAwLTAwMDAtNDAwMC04MDAwLTAwMDAwMDAwMDAwMSJ9

To get the next page, pass that value as the cursor query parameter. Keep the other query parameters the same:

curl -i "https://api.moov.io/accounts/{accountID}/transfers?status=completed&count=200&cursor=eyJ2IjoxLCJ0IjoiMjAyNi0wOS0yNVQxMjowMDowMFoiLCJpZCI6IjAwMDAwMDAwLTAwMDAtNDAwMC04MDAwLTAwMDAwMDAwMDAwMSJ9" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00"

Repeat until a response has no X-Next-Cursor header, which means you've reached the last page.

• Use the same filters on every page. Changing filters between pages can skip or repeat transfers.
• Treat the cursor as opaque. Don't parse, build, or modify it.
• Don't combine cursor with skip. The request fails with a 422 error.
• Transfers created after you fetch the first page don't appear on later pages.

In the Dashboard

The Transfers section of the Dashboard provides an overview of your account's transfer history. You can create and manage transfers, including reversals, refunds, and cancellations, and view and manage disputes.

Peek preview

The peek preview shortcut gives you fast access to transfer status and details. Press the space key to toggle the preview on and off. You can move your cursor up and down the transfer list and the preview will update with the corresponding transfer details. The esc key will also dismiss the preview. Press c while the preview is open to copy the transferID to your clipboard.

Create a transfer

Create a transfer between any two Moov accounts by clicking New transfer and choosing Payout or Collect. You can also create a scheduled transfer or recurring transfers. See scheduling for more information.

You'll need to input the following information to create a transfer:

• A product or an amount
• Source
• Destination

Optionally, you can enter:

• Tax amount
• Tip amount
• Surcharge amount (credit card transactions)
• Payout fees
• Recipient fees (payouts)
• Description
• Metadata
• ACH addenda (ACH transfers)

Any business that intends to add a surcharge to credit card transactions must notify Moov 30 days before implementing surcharges. See the surcharges guide for more information.

To pass a payout fee along to the recipient, look under Advanced settings when creating the transfer and find the Payout fee funding option. If not set, the source wallet pays the payout fee.

Transfer details

Clicking any transfer will bring you to the Transfer details page, where you can manage and review information about a transfer and its current status.

The transfer timeline shows information on each leg of the transfer to give transparency on where the funds are in the process. For example, if a transfer from a bank account to a Moov wallet is created, you'll see the ACH debit information followed by the funds availability in the wallet.

Refund, reverse, or cancel a transfer

On the Transfer details page, click Refund and choose a full or partial amount. This starts a reversal: if the transfer hasn't settled, Moov cancels it and the timeline shows Canceled; otherwise Moov issues a refund.

To cancel directly, click Cancel. Card cancellations fail once the network has settled, and ACH transfers can only be canceled inside the ACH cancellation window. Canceling one transfer in a transfer group cancels the transfers after it, but doesn't affect future scheduled transfers.

FAQ