# Card acceptance

Accept card payments, initiate refunds & reversals, deal with disputes, set up recurring payments, and more.

Once your platform's Moov account is configured for card payments, you can use your customers' card information and the tokenized details to initiate card payment transfers.

![Card funds flow diagram](../images/card-funds-flow-light.png)

Moov has multiple resources to help you get started with card payments. You can simulate card transfers in test mode using pre-populated business data and cards, as well as register a users card with the pre-built card link Drop. If you need to link cards to your customers' accounts, see all available options in our step by step [accept card payments](/guides/sources/cards/accept-card-payments/) guide.

To accept card payments via Apple Pay, see the [Apple Pay guide](/guides/sources/apple-pay/) for how to use the `apple-pay` payment method.

## [Card status](#card-status)

The status of a transfer can be found in `cardDetails.status`, which is part of the [create a transfer](/api/money-movement/transfers/create/) response body. You can also use the [list transfers](/api/money-movement/transfers/list/) and [retrieve a transfer](/api/money-movement/transfers/get/) endpoints to get the status.

| Rail-specific status | Description                                                                                                                                        |
|----------------------|----------------------------------------------------------------------------------------------------------------------------------------------------|
| `initiated`          | Transfer has been created                                                                                                                          |
| `confirmed`          | Successful authorization by the card network                                                                                                       |
| `settled`            | Transaction settled with issuer; Moov wallet will be credited by 1 PM ET on a banking day, or the next banking day if it is a weekend or a holiday |
| `cleared-externally` | Transaction settled via Amex Direct; associated Amex Direct account will be credited.                                                              |
| `completed`          | Funds have been credited to the merchant Moov wallet                                                                                               |
| `canceled`           | Transaction was successfully cancelled and authorization has been reversed                                                                         |
| `failed`             | Transaction failed; specific failure reason will be in `cardDetails.failureCode`                                                                   |

[Accept card payments tutorial  
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Send card information directly from your user to Moov without handling the PCI data yourself.](/guides/sources/cards/accept-card-payments/)

[Test cards  
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You can simulate card transfers in test mode by using specific card numbers.](/guides/developer-tools/test-data/#link-cards-card-acceptance)

[Card link Moov Drop  
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Send card information directly from your user to Moov without handling the PCI data yourself.](/moovjs/drops/card-link)

Use the guides in this section to learn about card acceptance on Moov's platform.