Developer-first payment rails for platforms. Public standard pricing with a $500 monthly minimum. Start in test mode; production waits on Moov approval of the business profile and capability requests. Moov Financial, Inc. is the tech party; FI Partners hold funds and sponsor card and ACH services.
What it is
Moov is Moov Financial, Inc.’s payments platform for technical teams that want to accept, store, send, and spend money through one integration and one legal agreement. Live marketing brand is Moov. Legal: Moov Financial, Inc. on the Moov Platform Agreement, Privacy Policy, and site footer. Canonical marketing domain confirmed live at https://moov.io/ (HTTP 200 at research). Page title: The future of payments, built for technical teams | Moov. Homepage: Flexible payment infrastructure to grow your business. Platform overview: Accept, store, send, and spend money in one integration.
Primary product surfaces on the current site: Moov Platform (/platform), Accept (/platform/accept), Moov wallets (/platform/wallets), Send (/platform/send), Spend / card issuing (/platform/card-issuing), plus Payment links, Invoicing, Tap to Pay, Drops, Onboarding, Dashboard, Data Sync, and Features. Homepage rail chips as printed: Accept cards, ACH, Fund from card, Moov Wallet, TCH RTP and FedNow, Push to card, Issue cards. Docs: https://docs.moov.io. Dashboard: https://dashboard.moov.io. Pricing: https://moov.io/pricing/. Contact: https://moov.io/contact. Company / About: https://moov.io/company/.
This page is Moov payment rails for platforms: accounts, ACH, card acceptance, Moov wallets, transfers, and related US payout and spend rails under one API. Adjacent Moov surfaces are Moov’s. They are not this page. Deep Tap to Pay packaging, invoicing and payment-link no-code depth, Data Sync warehouse packaging, fintech_devcon / open-source community marketing, and FI-only card funding programs sit next to the platform rails job.
Who it’s for
Shapes from homepage, platform, Accept, Send, wallets, use-case pages, Commercial User Terms, and docs:
- Software platforms embedding payments for their users, which Accept and Commercial User Terms describe through the Company model: the platform (Company) selects which Moov Services to offer, sets User Fees (except certain network fees Moov may collect), and Moov plus FI Partners run the money movement and underwriting checks.
- Digital banking, loan servicing, fundraising, construction, transport, and SMB builders, which use-case and Send pages sell as teams that need pay-in, wallet balance, instant payout, or disbursement flows without stacking multiple processors.
- Teams that want card acceptance and pay-by-bank on one endpoint, which Accept sells as card brands, Apple Pay, Google Pay, ACH debit, Moov wallet transfers, and Tap to Pay on iPhone and Android.
- Teams issuing spend cards from wallet balances are Moov buyers on Spend / card-issuing. That issuing surface is in-scope product for Standout; Vert category for this page remains payments, not a cards-table flip.
Partner intake is Start in test mode (docs and product CTAs), Sign in to the Moov Dashboard, Contact us / Contact sales (/contact), and Documentation. Docs Test mode: simulate without real money; for production, request capabilities and complete a business profile Moov must approve before switching between production and test. Pricing offers Standard pricing (no setup fees; $500 monthly minimum) and Custom pricing for large volume or unique models. That is public test and published rates, not a live start with no KYB or capability review.
It is a fit for a US software company or fintech that wants ACH plus card rails (and wallets / instant payouts / optional issuing) inside the product, will complete Moov production approval and FI Partner terms, and does not need Moov itself to be the deposit bank of record.
Standout details
- Brand, domain, and product URL (as printed). Official marketing name on live pages: Moov. Legal: Moov Financial, Inc. Canonical site: https://moov.io/ (HTTP 200). Confirmed product URLs used here: /platform, /platform/accept, /platform/wallets, /platform/send, /platform/card-issuing, /platform/payment-links, /platform/tap-to-pay-on-iphone, /platform/drops, /platform/onboarding, /pricing/, /contact, /company/, /legal/, /legal/platform-agreement/, /news. Docs: https://docs.moov.io. Dashboard: https://dashboard.moov.io. Support: https://support.moov.io. Trust: https://trust.moov.io.
- Accounts, wallets, and transfers (as printed). Moov Accounts are the unit that holds capabilities, payment methods, and balances. Moov wallets store funds, ledger activity, and support instant wallet-to-wallet moves, pre-funding for payouts, and funding or cash-out via ACH or card. Commercial User Terms: Moov Balance is recorded against FI Partner Holding Accounts; Linked Account is the user’s external bank account for settlement. Docs fee plans and onboarding: platforms assign flat-rate or interchange cost-plus fee plans to accounts; billable events debit the account wallet.
- Acceptance and payouts (as printed). Accept: card acceptance (major brands), Apple Pay, Google Pay, ACH debit / pay by bank, payment links, invoices, recurring, Tap to Pay on iPhone and Android. Send: same-day or standard ACH credit, TCH RTP and FedNow instant bank credit, push to card (Visa Direct / Mastercard Send marketing), Apple Pay and Google Pay disbursement chips on Send. Homepage and wallets also market fund-from-card / pull-from-card for eligible flows. Instant bank account validation via RTP or FedNow $0.01 memo code is marketed alongside free ACH micro-deposits.
- Card issuing (adjacent depth; in-scope product). Spend / card-issuing and wallets: create virtual cards from Moov wallet balances with spend controls for vendor or corporate spend. Card Issuing Services Terms: Lincoln Savings Bank is Issuer; cards are commercial; funded from Moov Balance. Pricing lists virtual card creation at 15 cents per card on the standard schedule. Treat issuing as Standout product depth under the payments category, not a category change to cards.
- Ops, sandbox, and pricing. CTAs: Start in test mode, Contact us / Contact sales, Sign in, Documentation. Test mode is documented with sample data and simulated transfers. Production: complete business profile; Moov approval required; request capabilities (examples in docs: wallet.balance, collect-funds.ach, collect-funds.card-payments, send-funds.ach, send-funds.instant-bank, send-funds.push-to-card, card-issuing, money-transfer.pull-from-card / push-to-card). Public pricing on /pricing: Standard plan with $500 monthly minimum; examples as printed include online card Interchange+ + 0.60% + 15 cents (US domestic), Tap to Pay Interchange+ + 0.50% + 15 cents, ACH same-day 40 cents, ACH next-day credit 25 cents, instant RTP credit 0.95% (50 cent min / $5 cap), instant push to card 0.95% (same min/cap), Moov wallet 50 cents monthly per active wallet, KYB $4.50, KYC $2.50, merchant processing account fee $5 monthly, PCI $2 monthly. Custom pricing for high volume or unique models. Docs also describe platform fee plans (flat rate or interchange cost-plus) assigned to sub-accounts. This listing does not reprint a full rate card as a buy rate for every line item.
- Bank partners and license posture (as printed). Moov Financial, Inc. is the technology contracting party. FI Partners by service term: Veridian Credit Union (ACH ODFI; RTP; Concentration Account on FI card funding terms); Pathward National Association and Lincoln Savings Bank (merchant acquiring sponsors for Visa, Mastercard, Discover); Lincoln Savings Bank (card issuing); SouthState Bank, N.A. (FI push/pull card Acquirer). Holding / Concentration Account balances are not printed as FDIC-insured user deposits. Territory on Commercial User Terms: United States and its territories. Ask Moov which FI Partner and capabilities apply.
- Geography and company facts. Company page: founded by Wade Arnold (CEO) and Bob Smith (President); fully remote team distributed across the U.S.; Series B investors named Bain Capital, Andreessen Horowitz, Commerce Ventures, and Visa. SEC Form D and legal notices: Moov Financial, Inc., 1025 Technology Parkway, Suite M, Cedar Falls, IA 50613. Frontmatter founded uses 2020 from SEC Form D Year of Incorporation; Company page does not print a founding year. Frontmatter headquarters uses Cedar Falls, IA from that official address. Company scale claims (“thousands of businesses”; “billions of dollars every month”) are Moov-printed vendor claims.
- Named customers and stories (vendor-named). Homepage and platform quote LoanPro (Rhett Roberts), Jack Henry (Ben Metz), and Canopy (Matt Bivons). Attribute as Moov-named stories, not independent verification.
- Adjacent modules. This page is Moov payment rails for platforms. Adjacent products are Moov’s. They are not this page. Tap to Pay deep dives, invoicing and payment-link packaging, Data Sync, roadmap marketing, fintech_devcon / open source, and FI-specific card funding programs sit next to the core accounts-ACH-cards-wallets job.
Sources: moov.io, Platform, Accept, Wallets, Send, Pricing, Contact, Company, Legal, Platform Agreement, Commercial User Terms, Merchant Processing Services Terms, ACH Transfer Services Terms, Card Issuing Services Terms, RTP Transfer Services Terms, FI Card Funding and Disbursement Terms, Privacy Policy, Docs, Test mode, Fee plans, Dashboard, SEC Form D filer Moov Financial, Inc..
Honest verdict
Moov is the listing to read when the job is payment rails for a US software platform or fintech: accounts and Moov wallets, ACH, card acceptance, instant bank and push-to-card payouts, and optional virtual card spend, through one API and one Platform Agreement. Standard pricing is public, including interchange-plus style card rates and ACH line items, with a $500 monthly minimum. Start in test mode. Production waits on Moov approving the business profile and enabling requested capabilities. Moov Financial, Inc. is not the deposit bank. FI Partners hold balances and sponsor ACH, acquiring, issuing, and related services as printed in the service terms.
What it is not: a consumer retail bank brand page, an FDIC-insured DDA branded as your deposit product, or live customer money with no KYB, capability, or FI Partner diligence. Wallet balances sit in partner holding structures that the Commercial User Terms say are not FDIC or NCUA insured for the User. If you will not complete production approval and partner terms, stop. If the job is multi-rail money movement for platforms with published rates and a developer-first path, start here.