1. Guides
2. Money movement

The payment methods available for a given Moov account depend on the linked funding source as well as the capabilities on that account. For example, if your account isn’t linked to a verified bank account, you won’t have the ability to send funds with the ach-debit-fund payment method.

Once you’ve added a bank account or card and it’s been verified, your account will automatically be updated with the payment methods available to you.

A source represents the first stage of a transfer, and is where funds originate. A source can be an externally linked bank account, payment card, or a Moov wallet balance. A destination represents the final stage of a transfer and the ultimate recipient of the funds. Below are the payment method types and what they can be used for.

Go SDK transfer example:

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mc, _ := moov.NewClient()

var accountID string

mc.CreateTransfer(ctx, accountID, moov.CreateTransfer{
  Amount: moov.Amount{
    Currency: "USD",
    Value:    100, // $1.00
  },
  Destination: moov.CreateTransfer_Destination{
    PaymentMethodID: "UUID",
  },
  Source: moov.CreateTransfer_Source{
    PaymentMethodID: "UUID",
  },
  Description: "Optional transaction description.",
})

Get payment methods

To retrieve payment methods for an account, use the list payment methods or retrieve payment method endpoints.

List payment methods

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curl -X GET "https://api.moov.io/accounts/{accountID}/payment-methods" \
  -H "Authorization: Bearer {token}" \

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mc, _ := moov.NewClient()

var accountID string

mc.ListPaymentMethods(ctx, accountID)

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const moov = Moov(token);

moov.paymentMethods.list(accountID);

Retrieve payment method

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curl -X GET "https://api.moov.io/accounts/{accountID}/payment-methods/{paymentMethodID}" \
  -H "Authorization: Bearer {token}" \

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mc, _ := moov.NewClient()

var accountID string
var paymentMethodID string

mc.GetPaymentMethod(ctx, accountID, paymentMethodID)

Requirements

If a source or destination is a card, a card will need to be linked. If a source or destination is a bank account, a bank account will need to be linked. You will also need to set up various capabilities depending on your use case and desired flow. Moov’s capabilities are:

• wallet: Store funds with Moov
• transfer: Authorize debit transfers
• send-funds: Send funds
• collect-funds: Collect funds
• card-issuing: Provide a virtual card to a merchant (beta)

Source

Destination

Transfer limits

Moov must qualify each customer for any exceptions to limits. If you have a question with regards to your account’s specific limits, please contact Moov.