Push to card
Moov supports push to card payments, which are instant payments from a Moov wallet to supported debit and prepaid cards. With push to card, you can access funds near real time, 24/7/365.
Use cases
Moov supports push transfers for two use cases: merchant settlement and funds disbursement. Moov will configure the source account depending on your use case:
Merchant settlement is commonly used by businesses that are looking to access their funds faster through a self-to-self transfer from their wallet to a card. If you’re using push to card for merchant settlement, the source account must have the wallet
capability enabled.
Funds disbursement enables real-time transfers to another account. Some funds disbursement examples include gig economy payouts, insurance disbursements, corporate rebates, payroll, government, or reimbursements. If you’re using push to card for funds disbursement, the source account must have the send-funds
capability enabled.
Determining support for push to card
Ensure you have linked a card on the account. The simplest way to securely link a card is by using the card link Drop, a prebuilt UI component for embedding card-based payments. If you have provided an attestation of PCI compliance, you also have the option to link a card using the POST
link a card endpoint.
Once you’ve linked a card, you can determine if that card is eligible to receive pushed funds with the domesticPushtoCard
field. You can use the cards GET
endpoint as shown below.
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The domesticPushtoCard
field describes the push to card timing that is available for the card, if supported:
Timing | Description |
---|---|
fast-funds |
Funds will be available to the destination within 30 minutes or less of the authorization. |
standard |
Fast funds is not supported on this card. Transfer will follow standard card settlement timing. |
not-supported |
This card is ineligible for push-to-card payments. Contact your issuer for more details. |
unknown |
Eligibility has not been checked or is unknown. |
Implementing push to card
The push-to-card
payment method becomes available when the following criteria are met:
- The account has the
transfers
capability - The linked card supports
fast funds
orstandard
timing - Moov has approved the account for push to card transfers
Initiate the transfer
A push transfer can be created when the source is a pre-funded Moov wallet and the destination is a recipient with a linked card and the transfers
capability.
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Track transfer status
To track the transfer status, view cardDetails
under the destination
object from the transfers GET
endpoint:
initiated
- Transaction is created and awaiting authorizationfailed
- Issuer declined or there was error with processingcompleted
- Authorization request was successful and Issuer approved the transaction
If the card is fast-funds
eligible, the destination’s card will be credited the amount specified within 30 minutes. Otherwise, the funds will be credited according to the standard network settlement timing.
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Transfer guidelines
When implementing push to card transfers, be sure to follow the transfer limits defined below.
Transfer limits
Depending on the card brand, you will need to follow these limits specifying the maximum amount and count that the destination account can receive. The following limits are for Visa and Mastercard.
Limit type | Maximum limit |
---|---|
Amount | $25,000 |
1-day velocity | 150 transactions or $100,000 |
7-day velocity | 250 transactions or $250,000 |
30-day velocity | 750 transactions or 500,000 |
If you have exceeded these limits, push to card transfers will fail. The failureReason
from the retrieve a transfer GET
endpoint response will indicate that the velocity limited has been exceeded.
Error responses
You will receive an 400
error response if
- the transfer exceeds the amount or velocity limits
- the account is not enabled for the use case
If the transfer has exceeded the limit, you should retry the transfer with a lower amount. If you need to enable your disbursement use case, please contact Moov so we can configure your account accordingly.