1. Guides
2. Transfers

Card acceptance

We’ll walk you through the step-by-step process of initiating a card payment, how to check a card’s status, and finally, how to access funds. This guide assumes you have a Moov wallet.

Accept card payments

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

You can process payments directly from your account or on behalf of any connected Moov accounts that have the collect-funds and wallet capabilities enabled. See our guide on requesting capabilities to learn about each capability’s information requirements.

Card payments on Moov’s platform have a source and destination:

Source: paymentMethodID of the card you want to charge. The payment method is associated with the cardholder’s Moov account.

Destination: paymentMethodID of the Moov wallet where funds will settle. This wallet belongs to the business or “merchant” accepting the payment.

Initiate a card payment

1. Create a Moov account for the cardholder with the transfers capability and set the accountType to individual. Moov requires name and phone or email of the cardholder before transfers is enabled and will automatically enable the capability once received.

2. Link a card to the Moov account using the card input Moov Drop to safely collect sensitive card information.

3. Obtain the paymentMethodID for the payment method type card-payment associated with the card that should be charged. This can be found using the payment methods GET endpoint, or the transfer options POST endpoint

4. Obtain the paymentMethodID for the payment method type moov-wallet of the merchant or transfer destination. This can be found using the same methods above.

5. Create a transfer with source payment method type card-payment and destination payment method type moov-wallet.

• If you need a synchronous response with full transfer and rail-specific details from the payment network, make sure to include the X-Wait-For header in the request.
• If you are creating a non-first time recurring payment and prefer an asynchronous response, omit the X-Wait-For header. By omitting the header, you’ll receive asynchronous response that only includes the transferID and timestamp for when the transfer was created.
• Be sure to check the cardDetails object of the transfer response for the status of the card payment. Don’t consider the payment successful until the status is at least confirmed.
• Read more on our transfer responses for context on what the different HTTP status codes mean and why you may or may not be receiving full transfer details.

After the transfer is created

• After creation, the transfer will be pending until the funds are disbursed to the destination moov-wallet. After creating the transfer, funds typically settle and become available by the end of the next business day.
• You can check on the status of the transfer at any time using the GET endpoint. You can view detailed information about card processing in the cardDetails sub-object:

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{
  "source": {
    "cardDetails": {
      "status": "confirmed"
    }
  }
}

Card statuses

Access funds

Once the payment has been processed and the funds are available, the funds can be moved out of the merchant moov-wallet using another transfer where that wallet is the source.

FAQ