Dashboard quick start

Sign up for Moov

You can sign up for Moov right in the Dashboard and use test mode with no commitment. If you want to move real money and onboard real business accounts, you'll need to go through verification, underwriting, and sign a contract with Moov before you'll be approved for production access. See the account requirements section for more information, or contact Moov to get the verification process started.

An individual with Moov administrator or developer permissions is required to take the actions laid out in this guide.

Create API keys

To use Moov's API, you'll need to generate keys. In the Dashboard, navigate to Developers and click the New API key button. Test mode and production mode each require their own API keys. To create an API key:

1. Name the API key (we suggest giving it a name that relates to the purpose)
2. Make sure to copy the key and save it in a secure place
3. Add any domains you'll use for testing and production
4. Optional: Include a note to remind you where the key is stored

If you're ready to jump into production mode, make sure to take any necessary precautions if you've previously been using test mode.

Read the API keys documentation for more information.

Explore test mode

In test mode, test data is automatically enabled in the Dashboard, which allows you to explore how the platform works. Make sure you're in test mode by using the account switcher on the top left of the Dashboard view.

Try out the following:

• Add a bank account
• Initiate verification
• Initiate a transfer
• Initiate a return

Switch to production mode

When you're ready to switch to production mode, use the account switcher to change modes. Before you start using production mode, make sure to:

• Have your production API key
• Switch out the account ID anywhere it's hard coded
• Set up new webhook URLs if you used any in test mode

Set brand colors

In your business detail settings, you can select light and dark mode brand color settings.

Onboard with hosted onboarding

Moov's hosted onboarding flow allows you to select capabilities, scopes, pre-fill existing information, and select a fee plan before sending a merchant a link to a secure session to finish the sign up process. A merchant can be redirected to your app upon completion.

You'll pre-fill information and send a branded secure session link to the account owner. The business/merchant can start and pause the process, picking up where they leave off. During the process, the account owner will give you permission to perform actions on their behalf, as well as agree to the terms of service agreement and pricing disclosure.

Any account onboarded through Moov's hosted onboarding process will have access to their own merchant Dashboard. You can send a support guide to the account owner so they'll know what information and documents to gather ahead of time.

All personally identifiable information (PII) goes straight to Moov, so you won’t be responsible for storing or handling sensitive user data.

Select Capabilities

Capabilities indicate what an account is able to do. Before you begin the hosted onboarding process, decide what capabilities the account will need:

• Transfer: Authorize debit transfers
• Wallet: Store funds with Moov
• Send funds: Send funds to another account
• Collect funds: (business accounts only): Collect funds from another account
• Card issuing beta: (business accounts only): Provide a virtual card to a merchant

Send funds and collect funds have multiple capabilities that can be requested per use case. For faster verification, only request required capabilities. For example, if a merchant is only interested in processing RTP payouts, only request the Send funds instant bank capability.

Each capability has different data and verification requirements depending on whether the account represents a business or individual. You should familiarize yourself with capability requirements before moving on to the next step.

See our capabilities section for more information.

Select scopes

Scopes specify what actions an account can take on Moov's platform. When you choose to enable certain scopes for an account, you create connections between your account, the business/merchant account, and the account's customers. You have the option to choose a set of scopes for your partner account and a set of scopes for the merchant account.

Moov preselects some scopes based on general usage of Moov's platform. Select Edit scopes to enable a different set of scopes for the connected account.

Moov maintains strict access controls when a partner account shares scopes with a merchant. While a partner gains visibility across every connected account, merchants can only access their own customers.

See the connected accounts guide for more information.

Select pricing fee plan

During the onboarding process, you'll also choose a fee plan for the account, which they will agree to as part of their terms of service platform agreement. After selecting a plan, the pricing disclosure will show the rates for the following:

• ACH
• Instant payments (AFT, OCT, RTP)
• Card acquiring
• Transaction management fees
• Platform fees
• Network fees

With a cost plus plan, card networks’ interchange fees and Moov’s processing markup are passed along to the merchant. With a flat rate plan, you can lump all the processing fees together with a flat rate customized for each merchant.

When you create a fee plan, you can use it once, or reuse it and assign it to many merchants. A merchant must accept the fee plan and enter into a fee agreement before it can go into effect.

See our pricing guide for more information and details on billable events.

Create & send onboarding link

When you're ready to send the link to a merchant, create the link and and send it via email or SMS. A merchant must accept the pricing fee plan and agree to the terms of service and pricing disclosure before the plan can go into effect. You are responsible to your merchants for communication regarding pricing models.

Merchants will be asked to provide bank details to set up a funding source. Moov will send a small deposit with a verification code to verify the bank account instantly, if eligible. If the bank doesn't support instant verification, Moov will automatically use same-day ACH instead of RTP for verification. ACH verification may take 1-2 days.

You can track the status of a merchant's application by navigating to the onboarding links section of the Dashboard. Visit our onboarding links guide for more details.

Create a product

Products are optional, but allow you to create a catalog of items with the following:

• Name
• Description
• Base price
• Image
• Options group

Options allow you create additional properties on each item, such as a minimum or maximum selection, or identifiers like small or blue.

See the product catalog guide for more information.

Move money with payment links

After successfully creating a merchant account with a funding source, you're ready to move money. The Dashboard will list all available payment methods for an account when you create a payment link.

You'll be able to add a sales tax, a surcharge fee (for credit card transactions), and enable tipping options.

Tax

Select a product from the catalog or enter a free-form amount. You'll see Subtotal, Tax, and Total appear. You can click the edit icon next to Tax to manually add a tax to the item.

Surcharge fee

Surcharge fees can only be added to credit card transactions. Accounts must go through a registration process before surcharging is enabled. See the surcharges guide for more information.

Tip options

Tips are enabled per payment link and can include preset options or a free-form option. Preset options can be either a percentage of the total, or set dollar amounts.

To set tipping presets, select the account from the account's list in the Dashboard and navigate to Settings. If you want to set presets for your own account, navigate to Settings > Business details.

If you created presets, the tipping option is with the surcharge fee option under Checkout add-ons. If you've created presets they'll be displayed in the payment link. A free-form tip option will also be included with the presets. If you have not created presets, the payment link will only display a free-form tip option by default.

Send link

When you're ready, create and send a payment link via your chosen form of communication, such as email or SMS.

The payee will receive a branded payment link with the various payment and tip options that have been set.

View the Dashboard payment links guide for more information.