Freedom251 › Banking-as-a-Service Platforms
Moov
What Moov is
Moov provides businesses with one payments integration for accepting, storing, sending, and spending money. Its supported payment options include cards and bank payments, Moov wallet transfers, same-day ACH, TCH RTP, FedNow, and issued cards. Online card and bank payments are supported, as is Tap to Pay on iPhone and Android for in-person payments. Developers can integrate using browser-side or server-side SDKs, native iOS and Android SDKs, Moov Drops, or a REST API. Test mode provides sandboxed accounts for trying API features without moving real money. Moov’s Data Sync can send data to a warehouse such as BigQuery every few minutes, with no-code setup. Moov lists SOC 1 Type 2, SOC 2 Type 2, PCI Level I, SSL and TLS encryption, regular independent security testing, and a 99.5% uptime figure. Direct API integration requires PCI compliance; Moov.js and Drops do not. To move real money, a business must complete verification and production approval, which requires a signed contract and fee plan. Standard pricing has a $500 monthly minimum, with per-feature transaction fees. Custom pricing is available for businesses with large payment volume or unique business models.
Who it suits
Moov suits businesses building payment acceptance and money movement into their products, especially teams that need multiple card, bank, wallet, or real-time payment rails. Its SDKs, API, and sandbox tools are intended for developers, while production onboarding requires business verification and approval.
What it does well
- Supports card, bank, wallet, ACH, RTP, FedNow, and issued-card payments
- Offers web, server, iOS, and Android developer tools
- Sandbox testing does not move real money
- No-code Data Sync can connect to warehouses such as BigQuery
- Lists SOC 1 Type 2, SOC 2 Type 2, and PCI Level I
- Moov.js and Drops do not require PCI compliance
What to know first
- Standard pricing has a $500 monthly minimum
- Per-feature transaction fees apply
- Direct API integration requires PCI compliance
- Production approval requires verification, a signed contract, and a fee plan
Limits
Standard pricing has a $500 monthly minimum, and per-feature transaction fees apply. Direct API integration requires PCI compliance; Moov.js and Drops do not.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Standard pricing | $500 monthly minimum · Pay as you go; per-feature transaction fees apply | $500 a month |
| Custom pricing | Contact sales · Available for businesses with large payment volume or unique business models | On request |
As moov.io lists them, read 29 Sept 2026. The maker's own page has the final word.
Getting started
- Open the Moov platform website.
- Choose the web, API, or mobile SDK route that fits your integration.
- Use test mode and sandboxed accounts to try API features without moving real money.
- Complete business verification and select a fee plan to move real money.
- Obtain production approval with a signed contract and fee plan.
Verdict
Choose Moov if your business needs one integration for varied payment rails and you can complete its production onboarding requirements. Review the $500 monthly minimum and per-feature transaction fees, and account for PCI compliance if you plan a direct API integration.
Questions
How much does Moov cost?
Standard pricing is $500 a month, billed with a $500 monthly minimum, and per-feature transaction fees apply. Custom pricing is available by contacting sales.
Does Moov have a free plan?
No free plan is listed. Test mode provides sandboxed accounts for testing API features without moving real money.
Which platforms does Moov support?
The listed platforms are Android, iOS, web, and API.
What payment methods does Moov support?
It supports card and bank payments, Moov wallet transfers, same-day ACH, TCH RTP, FedNow, and issued cards. Tap to Pay on iPhone and Android is also supported.
Do I need PCI compliance to integrate Moov?
Direct API integration requires PCI compliance. Moov.js and Drops do not require it.
What is required before production payments?
A business must complete verification, select a fee plan, and obtain production approval. The launch checklist says approval requires a signed contract and fee plan.
Facts from Moov's own pages
- Availability
- Moov states a 99.5% uptime figure on its feature list. · moov.io, 29 Sept 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, 29 Sept 2026
- Developer tools
- Moov offers browser-side and server-side SDKs, Moov Drops, a REST API, and native iOS and Android SDKs. · moov.io, 29 Sept 2026
- Integrations
- Moov’s Data Sync can sync data to a warehouse such as BigQuery every few minutes, with no-code setup. · moov.io, 29 Sept 2026
- Online and in-person payments
- Moov supports online card and bank payments and Tap to Pay on iPhone and Android. · moov.io, 29 Sept 2026
- Payment rails
- The platform supports card and bank payments, Moov wallet transfers, same-day ACH, TCH RTP, FedNow, and issued cards. · moov.io, 29 Sept 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, 29 Sept 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, 29 Sept 2026
- Purpose
- Moov provides one payments integration for accepting, storing, sending, and spending money. · moov.io, 29 Sept 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, 29 Sept 2026
- Support
- Partner accounts and merchants onboarded through hosted onboarding can chat with Moov support or submit tickets from the Dashboard. · docs.moov.io, 29 Sept 2026
- Testing
- Test mode provides sandboxed accounts and lets developers test API features without moving real money. · docs.moov.io, 29 Sept 2026
Where Moov stands on Freedom251
- Banking-as-a-Service Platforms#9 of 31
- Embedded Payments Platforms#9 of 28