Moov
What it is
Moov provides businesses with one integration for accepting, storing, sending, and spending money. Its supported rails include card and bank payments, Moov wallet transfers, same-day ACH, TCH RTP, FedNow, and issued cards. It supports online payments and Tap to Pay on iPhone and Android. Developers can use browser-side and server-side SDKs, native iOS and Android SDKs, Moov Drops, and a REST API; test mode offers sandboxed accounts for trying API features without moving real money. Data Sync can send data to a warehouse such as BigQuery every few minutes through a no-code setup. Moov lists SOC 1 Type 2, SOC 2 Type 2, PCI Level I, SSL and TLS encryption, independent security testing, and a 99.5% uptime figure. Direct API integration requires PCI compliance, while Moov.js and Drops do not. Moving real money requires verification, a signed contract, and a fee plan for production approval. Standard pricing has a $500 monthly minimum plus per-feature transaction fees; custom pricing is available by contacting sales.
For and against
For
- Supports card, bank, wallet, and real-time payment rails
- Tap to Pay works on iPhone and Android
- Sandbox testing does not move real money
- Data Sync offers no-code warehouse syncing
- Lists multiple security certifications and encryption
Against
- No free plan is listed
- Standard pricing has a $500 monthly minimum
- Per-feature transaction fees apply
- Production approval requires verification, contract, and fee plan
The verdict
Moov combines multiple payment methods with developer tools and sandbox testing. Businesses should account for the monthly minimum, transaction fees, and production onboarding requirements.
Who it suits
Moov suits businesses building payment flows across online or in-person channels, and developers seeking SDKs or API access. Direct API users need to meet the stated PCI compliance requirement.
Plans and prices
Standard pricing
Pay as you go; per-feature transaction fees apply
Read 29 Sep 2026 · moov.io
Custom pricing
Available for businesses with large payment volume or unique business models
Read 29 Sep 2026 · moov.io
On the record
- Availability
- Moov states a 99.5% uptime figure on its feature list.moov.io · read 29 Sep 2026
- Company
- Moov says it was founded by Wade Arnold and Bob Smith and has a fully remote team distributed across the U.S.moov.io · read 29 Sep 2026
- Developer tools
- Moov offers browser-side and server-side SDKs, Moov Drops, a REST API, and native iOS and Android SDKs.moov.io · read 29 Sep 2026
- Integrations
- Moov’s Data Sync can sync data to a warehouse such as BigQuery every few minutes, with no-code setup.moov.io · read 29 Sep 2026
- Online and in-person payments
- Moov supports online card and bank payments and Tap to Pay on iPhone and Android.moov.io · read 29 Sep 2026
- Payment rails
- The platform supports card and bank payments, Moov wallet transfers, same-day ACH, TCH RTP, FedNow, and issued cards.moov.io · read 29 Sep 2026
- PCI requirement
- Moov’s integration guide says direct API integration requires PCI compliance, while Moov.js and Drops do not require it.docs.moov.io · read 29 Sep 2026
- Production onboarding
- To move real money, a business must complete verification and select a fee plan; the launch checklist says production approval requires a signed contract and fee plan.docs.moov.io · read 29 Sep 2026
- Purpose
- Moov provides one payments integration for accepting, storing, sending, and spending money.moov.io · read 29 Sep 2026
- Security
- Moov lists SOC 1 Type 2, SOC 2 Type 2, PCI Level I, SSL and TLS encryption, and regular independent security testing.moov.io · read 29 Sep 2026
- Support
- Partner accounts and merchants onboarded through hosted onboarding can chat with Moov support or submit tickets from the Dashboard.docs.moov.io · read 29 Sep 2026
- Testing
- Test mode provides sandboxed accounts and lets developers test API features without moving real money.docs.moov.io · read 29 Sep 2026
