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Moov

FINANCE
Velocity5.0

Moov broadens money movement: wallets, real-time rails, surcharging, tipping

payments-infrastructurereal-time-paymentswalletsapi-versioningsurchargingsdk
◆Current state
Moov is steadily widening what its payments infrastructure can move and how. Recent releases added user-defined amounts on payment links, surcharge fees (with a taxAmount deprecation), connected-account scope sharing and a client-side TypeScript SDK, Google Pay for payments and payouts, tipping, HSA/FSA healthcare cards, scheduled transfers, and, in the quarterly v2026.04.00 release, instant bank credit over RTP plus resolution links for onboarding fixes.
◆Where it's heading
The company is filling out a full money-movement platform: more payment methods, real-time rails (RTP now, FedNow signaled), and merchant features. The quarterly API versioning and deprecations show it managing a maturing, breaking-change-aware platform.
◆Prediction
Expect FedNow support on instant bank, the v2026.07.00 release to stabilize, and more wallet and payout coverage.

◆Recent moves

  1. 9d ago

    User defined amounts for payment links

    Payment links can accept buyer-defined amounts with min/max ranges and suggested values. A flexibility addition for donations and variable-price use cases.

  2. 25d ago

    Surcharge fees, taxAmount deprecation & more

    Surcharge fees on credit-card transactions arrive (opt-in, with brand and regulatory caps), and taxAmount is deprecated in favor of amountDetails.tax, a breaking change in v2026.07.00. Merchant economics plus API evolution.

  3. 1mo ago

    Account connections, client-side TypeScript SDK & more

    Connected accounts can share scopes, and a client-side TypeScript SDK with OAuth ships. Platform and developer-experience depth for multi-party setups.

  4. 1mo ago

    Google Pay and API v2026.07.00 preview

    Google Pay support for accepting card payments and sending payouts, alongside a v2026.07.00 preview with a card-metadata endpoint. Broadens accepted payment methods.

    View source ↗
  5. 1mo ago

    Tipping, healthcare benefit cards & Dashboard scheduled transfers

    Tipping presets, HSA/FSA/HRA healthcare-card processing, and Dashboard scheduled and recurring transfers. A batch of merchant-facing capabilities.

  6. 2mo ago

    Quarterly API release, resolution links & instant bank

    ⚡ SPARK

    The v2026.04.00 quarterly release brings instant bank credit over RTP (with FedNow signaled) and resolution links for onboarding data fixes, moving Moov onto real-time rails and deprecating the older rtp-credit method.

    View source ↗