# Dashboard quick start

This quick start guide brings you through the process of signing up for Moov, getting authorized for production, and creating user accounts within the Moov Dashboard.

This guide focuses on the quickest and easiest way to get set up with a partner account and create your first merchant account with Moov - through our Dashboard. Within the Dashboard you can send secure onboarding links to merchants and create payment links to facilitate payments and payouts.

After setting up your own account, you can add and connect additional business and individual accounts to your Moov account. Read through our Dashboard specific documentation, which brings you through each section of the Dashboard UI:

[Dashboard guides](/guides/dashboard)

Once you're up and running, most operations can be completed in the Dashboard, however, some complex operations and features may need to be supplemented with the API. Read through the documentation site to learn more. Additionally, check out our [glossary](/guides/get-started/glossary/) for a list of terms and concepts associated with Moov.

## [Sign up for Moov](#sign-up-for-moov)

You can sign up for Moov right in the [Dashboard](https://dashboard.moov.io/signup) 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](/guides/accounts/requirements/) section for more information, or [contact Moov](https://moov.io/contact/) 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](#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](#switch-to-production-mode) if you've previously been using test mode.

Read the [API keys](/guides/get-started/api-keys/) documentation for more information.

## [Explore test mode](#explore-test-mode)

In [test mode](/guides/get-started/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.

![Toggle for test account in Moov Dashboard](../../shared-images/mode-toggle.png)

Try out the following:

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

### [Switch to production mode](#switch-to-production-mode)

When you're ready to switch to [production mode](/guides/get-started/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](#set-brand-colors)

In your [business detail](/guides/dashboard/settings/business-settings/#business-details) settings, you can select light and dark mode brand color settings.

![Brand settings in Moov Dashboard](../../shared-images/brand-settings.png)

## [Onboard with hosted onboarding](#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](https://support.moov.io/articles/2845506014-merchant-onboarding) 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](#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](/guides/accounts/capabilities/reference/) 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](/guides/accounts/capabilities/) section for more information.

### [Select scopes](#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.

Available scopes:

- View account details and balances (pre-selected)
- Create and manage accounts
- Access analytics and reporting data
- View linked bank accounts (pre-selected)
- Add and manage bank accounts (pre-selected)
- View requested capabilities (pre-selected)
- Request and manage capabilities (pre-selected)
- View card information
- Add and manage cards
- View uploaded documents
- Upload and manage documents
- View uploaded files
- Upload and manage files
- View business representatives
- Add and manage representatives
- View enriched profile information
- View the account's profile (pre-selected)
- Edit the account's profile (pre-selected)
- View available payment methods (pre-selected)
- View transfers (pre-selected)
- Initiate transfers (pre-selected)
- View wallet balances (pre-selected)
- View Apple Pay merchant details
- Manage Apple Pay merchants
- View Apple Pay registration
- Register and manage Apple Pay
- View issued cards
- Issue and manage cards
- View secure issued card details
- Access federal network data
- ping read
- profile disconnect

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.

![Edit scopes](../../shared-images/scopes-choose.png)

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](/guides/accounts/connections/) guide for more information.

### [Select pricing fee plan](#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](/guides/accounts/requirements/platform-agreement/) 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.

![Choose billing plan](../../shared-images/account-pricing-tab.png)

See our [pricing](/guides/fee-plans/plan-options/) guide for more information and details on billable events.

### [Create & send onboarding link](#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](/guides/sources/bank-accounts/verification/instant-micro-deposit/), Moov will automatically use same-day ACH instead of RTP for verification. ACH verification may take 1-2 days.

![Merchant onboarding flow](../../shared-images/onboarding-form.png)

You can track the status of a merchant's application by navigating to the onboarding links section of the Dashboard. Visit our [onboarding links](/guides/dashboard/accounts/onboarding-links/) guide for more details.

## [Create a product](#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*.

![Product list in the Dashboard](../../shared-images/products-table.png)

See the [product catalog](/guides/dashboard/product-catalog/) guide for more information.

## [Move money with payment links](#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](#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.

![Edit tax amount](../../shared-images/edit-tax.png)

### [Surcharge fee](#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](/guides/money-movement/accept-payments/card-acceptance/surcharges/) guide for more information.

If enabled, surcharge fees must follow card brand caps, as well as additional federal and state regulations.

![Surcharge add-on](../images/surcharge-add-on.png)

### [Tip options](#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**.

![Set tipping presets](../../shared-images/set-tipping-presets.png)

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](#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.

![Preset tips](../../shared-images/preset-tips.png)

View the Dashboard [payment links](/guides/dashboard/payment-links/) guide for more information.

## [Resolution links](#resolution-links)

If an account doesn't finish onboarding, or the process results in errors, the Dashboard will alert you by showing a banner on the account page.

![Alert for due items in Dashboard](../../shared-images/dashboard-resolution-alert.png)

You can create a resolution link right from the banner. Resolution links are temporary, secure links you can send to businesses to resolve requirement errors surfaced during verification. Resolution links let end users self-serve by correcting or providing the additional information needed to resolve these errors and enable the capability.

![Resolution link notice](../../shared-images/resolution-link.png)

## [Troubleshoot](#troubleshoot)

Troubleshoot some common issues when integrating with and using Moov:

### [Transfers or payment links not working](#transfers-or-payment-links-not-working)

Transfers and payment links will not work before [capabilities](/guides/accounts/capabilities/) are enabled. Ensure all involved accounts have the proper capabilities requested and enabled before attempting a transfer.

### [Missing terms of service agreement](#missing-terms-of-service-agreement)

All Moov accounts requiring wallet, send funds, or collect funds capabilities must agree to Moov's [platform terms of service agreement](/guides/accounts/requirements/platform-agreement/). If the agreement is missing on an account, the account will not be able to participate in any action on Moov's platform that requires a wallet, sending funds, or collecting funds.

## [Next steps](#next-steps)

You can manage wallet balances, send invoices, process refunds, and set up scheduled and recurring transfers all within the Dashboard. See our [Dashboard](https://docs.moov.io/guides/dashboard/) documentation for more information.

[Balances](/guides/dashboard/wallet/)

[Invoices](/guides/dashboard/invoices/)

[Refunds](/guides/dashboard/transfers/all-transfers/#initiate-a-reversal-refund-or-cancellation)

[Scheduled & recurring transfers](/guides/dashboard/transfers/schedules/)

Explore other ways to integrate Moov:

- [API](/api/)
- SDKs: [Server-side](/sdks/#server-side-sdks) & [client-side](/sdks/#client-side-sdks)
- [Moov.js](/moovjs/)
- [Drops](/moovjs/drops/)