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Moov

FINANCE
Velocity5.0

Moov's issuing and invoicing APIs fill out as platforms take over more of the payments work.

paymentsembedded-financecard-issuinginvoicingapi-versioning
◆Current state
Moov ships on a versioned API train, with v2026.10.00 still in development. Since September it has added self-serve fixes for ACH authorization errors, a taxable flag in the product catalog, a spending card activity endpoint, invoice reminders and custom invoice numbers, and issuing simulation endpoints for test mode. The summer added FedNow, payout fees and fee plan reassignment.
◆Where it's heading
The direction is self-service for platforms that embed payments: fixing ACH errors without support, running card issuing in test mode, sending invoice reminders automatically. Fee mechanics still matter, but recent releases have widened issuing and invoicing. The API usually gets each capability first, with the Dashboard following.
◆Prediction
Expect v2026.10.00 to leave development with the ACH self-serve and isTaxable changes, and the Dashboard to pick up more issuing views. The entries give no date for that release.

◆Recent moves

  1. 15d ago

    Invoice & issuing updates

    Invoices gain overdue reminders and custom invoice numbers and emails, and card issuing gets simulation endpoints for test mode. It also fixes dropped transfer webhooks, a meaningful reliability fix.

  2. 1mo ago

    Spending card activity & more

    A new API endpoint lists spending card activity such as authorizations and settlements for a Moov account. It fills out the issuing API for platforms building on Moov cards.

  3. 1mo ago

    Self-serve ACH error fixes and a taxable flag on products

    Approved accounts can now clear ACH R29 errors themselves by attesting that the user re-authorized debits, once per bank account a year. The product catalog also gains an isTaxable flag. It continues Moov's push to cut support contact for platforms.

  4. 1mo ago

    Fixes for duplicate fees, capability events and invoice limits

    A batch of fixes, including duplicate destination-paid fees on self-to-self transfers and missing CapabilityEnabled events. It corrects edge cases in the fee and onboarding work without adding features.

  5. 2mo ago

    Dashboard payout fees & partner onboarding

    Payout fees reach the Dashboard a week after landing in the API, closing the gap the previous release flagged as coming soon. Partner accounts also supply more business information during onboarding, cutting a round of back-and-forth with Moov support before an account can go to production. This is the Dashboard half of an already-shipped capability rather than a new one.

  6. 2mo ago

    Payout fees & fee plan reassignment

    Accounts can pass payout fees to recipients, who then choose between a low-cost standard ACH payout and a faster, pricier method. It extends the fee-mechanics thread running through surcharging and tax handling, letting platforms offer payout speed as a priced option rather than absorbing the cost. Fee plan agreements also become updatable via API, though that ships in-development.