1. Guides
2. Money movement

Create a payment link from the API or the Dashboard that you can send to merchants through your chosen form of communication, such as email or SMS. Use the generated payment link code to create a QR code for in-person payments. You can use payment links to disburse or accept a payment.

The payment link flow authenticates a session that lets your customers securely create a Moov account and link payment methods before submitting payment through the link or QR code.

Successfully submitted payment links will use the transferID and the email/emailAccountID to automatically create and send a receipt via email.

Before you send your first payment link, you have the option to set up brand colors. Moov offers light and dark mode brand settings, which you can set in the Dashboard or with the API. Colors you select for light and dark modes will be used as accent colors throughout the customer's user experience, including the payment link UI.

Payment methods

To accept a payment, you can choose any or all of the following payment methods:

• Apple Pay
• Card
• ACH debit collect

To send a payment, you can choose any or all of the following payment methods:

• Push to card
• RTP credit
• ACH credit same day
• ACH credit standard

Create a payment link

When creating a payment link, you're required to provide the merchant account ID in the path and the partner account ID in the request. Note that sometimes a partner can be acting as a merchant and therefore the ID is the same account ID for both. Additionally, you must send the merchant's payment method ID and the payment amount. You can optionally require other data such as customer address or phone number, metadata, and a custom dynamic descriptor for the statement. You can also set an expiration date and limit on the amount of times a payment link can be used.

Once a payment link is created, you'll receive a sharable URL and QR code. The URL will be in the following format: https://moov.link/p/{unique-payment-link}. URLs and QR codes can be retrieved again using the GET payment link or QR code endpoints, or in the Dashboard by navigating to Transfers > Payment links.

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curl -X POST "https://api.moov.io/accounts/{accountID}/payment-links" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \
  --data-raw '{
    "accountID": "c197cd40-7745-4413-8f3b-ec962d1b5225",
    "merchantPaymentMethodID": "3afc7533-7095-43bb-b21a-5c4dc5568451",
    "partnerAccountID": "d290f1ee-6c54-4b01-90e6-d701748f0851",
    "amount": {
      "currency": "USD",
      "value": 1204
    },
    "maxUses": 0,
    "expiresOn": "2025-08-24T14:15:22Z",
    "display": {
      "title": "string",
      "description": "string",
      "callToAction": "pay"
    },
    "customer": {
      "requireAddress": true,
      "requirePhone": true,
      "metadata": {
        "property1": "string",
        "property2": "string"
      }
    },
    "payment": {
      "allowedMethods": [
        "apple-pay",
        "card-payment",
        "ach-debit-collect"
      ],
      "cardDetails": {
        "dynamicDescriptor": "WhlBdy *Yoga 11-12"
      },
      "achDetails": {
        "companyEntryDescription": "Gym Dues",
        "originatingCompanyName": "Whole Body Fit"
      }
    }
  }'\

Line items

When you create a payment link you have the option of creating a line item. Line items allow you to list items within the transaction, each with their own distinct name, description, image, and price modifier. You can create a brand new item with the payment link, or you can provide the productID of an exiting item in your product catalog.

When using line items, the total amount of the payment link needs to include all additional costs and price modifiers associated with each item.

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curl -X POST "https://api.moov.io/accounts/{accountID}/payment-links" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \
  --data-raw '{
    "accountID": "c197cd40-7745-4413-8f3b-ec962d1b5225",
    "merchantPaymentMethodID": "3afc7533-7095-43bb-b21a-5c4dc5568451",
    "partnerAccountID": "d290f1ee-6c54-4b01-90e6-d701748f0851",
    "amount": {
      "currency": "USD",
      "value": 1495
    },
    "maxUses": 0,
    "expiresOn": "2025-08-24T14:15:22Z",
    "display": {
      "title": "string",
      "description": "string",
      "callToAction": "pay"
    },
    "customer": {
      "requireAddress": true,
      "requirePhone": true,
      "metadata": {
        "property1": "string",
        "property2": "string"
      }
    },
    "lineItems": {
      "item": {
        "basePrice": {
          "currency": "USD",
          "valueDecimal": "14.95"
        },
        "name": "Lunch combo 1",
        "productID": "5afv22245-7095-24ba-b21a-5c4dc993737",
        "quantity": 1
      }
    },
    "payment": {
      "allowedMethods": [
        "apple-pay",
        "card-payment",
        "ach-debit-collect"
      ]
    }
  }'

Get generated QR code

To facilitate in-person payments, you have the ability to generate a QR code for a customer to use with the payment links QR GET endpoint.

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curl -X GET "https://api.moov.io/accounts/{accountID}/payment-links/{paymentLinkCode}/qrcode" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \

Manage payment links

Once a payment link is created, you can manage it through the API or the Dashboard. You can list all created payment links, find a specific one, update it, or disable it.

Retrieve

View a list of all payment links with the list payment links GET endpoint, or view an individual payment link with the retrieve payment links GET endpoint.

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curl -X GET "https://api.moov.io/accounts/{accountID}/payment-links" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \

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curl -X GET "https://api.moov.io/accounts/{accountID}/payment-links/{paymentLinkCode}" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \

Update

You have the ability to update certain properties of payment links with the payment links PATCH endpoint. You can update the amount, expiration date, display options, customer data, as well as payment and payout options.

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curl -X PATCH "https://api.moov.io/accounts/{accountID}/payment-links/{paymentLinkCode}" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \
  --data-raw '{
    "amount": {
      "currency": "USD",
      "value": 1204
    },
    "expiresOn": "2025-08-24T14:15:22Z",
    "display": {
      "title": "string",
      "description": "string",
      "callToAction": "pay"
    },
    "customer": {
      "requireAddress": true,
      "requirePhone": true,
      "metadata": {
        "property1": "string",
        "property2": "string"
      }
    },
    "payment": {
      "allowedMethods": [
        "apple-pay"
      ],
      "cardDetails": {
        "dynamicDescriptor": "WhlBdy *Yoga 11-12"
      },
      "achDetails": {
        "companyEntryDescription": "Gym Dues",
        "originatingCompanyName": "Whole Body Fit"
      }
    }
  }'\

Disable

You can disable a payment link at any time. Customers will receive an error page if they try and access a disabled payment link. Use the payment links DEL endpoint to disable the link.

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curl -X DELETE "https://api.moov.io/accounts/{accountID}/payment-links/{paymentLinkCode}" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2024.01.00" \