Now in public beta — zero setup fees

Payment infrastructure
engineered for builders.

Accept, store, and send money with a single API and one legal agreement.

99.99{eb9e153d5458cfde4cb73030bfae0e40d783d4826bb51660c059a543393ce222}Uptime SLA
<120msGlobal API latency
180+Currencies supported
1 APIEvery rail unified

Supported payment rails & networks

VisaMastercardACHSEPASWIFTStripe ConnectApple PayGoogle PayOpen BankingUSDCFedNowRTPVisaMastercardACHSEPASWIFTStripe ConnectApple PayGoogle PayOpen BankingUSDCFedNowRTP

Trusted by engineering teams at

Valon
Trimble
LoanPro
Jack Henry
Canopy
Super Dispatch
Plaid
Finix
Valon
Trimble
LoanPro
Jack Henry
Canopy
Super Dispatch
Plaid
Finix
Powering payments for 200+ engineering teams worldwide
Full-stack money movement

Not just a processor — the whole money movement stack.

moeov.com doesn't hand off transactions to a black box. We orchestrate the entire payment lifecycle — from initiation and intelligent rail selection to authorization, settlement, and automated reconciliation — in a single, unified API.

  • Intelligent rail routingAutomatically selects the optimal network based on cost, speed, and risk at the moment of transaction.
  • End-to-end lifecycle managementTrack every payment from initiation to final settlement without stitching together multiple vendors.
  • Built-in compliance & riskFraud detection, AML screening, and compliance checks run inline — no separate middleware required.
moeov.com / dashboard / payment-router

Active Payment Rails

ACHSame-day & standard
RTPReal-time 24/7/365
CardsVisa, Mastercard, Amex
WalletsApple Pay, Google Pay

Payment Lifecycle

Initiate
Route
Authorize
Settle
Reconcile
route.jslive
1const payment = await moeov.route({
2 amount: 150000,
3 currency: "USD",
4 rail: "auto",
5 optimize: "cost",
6});
8// → Routed via RTP in 94ms
99.99{eb9e153d5458cfde4cb73030bfae0e40d783d4826bb51660c059a543393ce222}Uptime SLA
<120msAvg. latency
$0 setupNo hidden fees
Payment Rails

Every rail you need,
one unified API.

Cards, bank transfers, real-time payments, wallets — all accessible through the same developer-first platform.

Accept Cards

Accept Visa, Mastercard, Amex, and Discover with a single API integration.

Accept Cards payment rail interface
Accept Cards · Live

All rails accessible via a single REST API — no separate integrations.

Explore the platform
Platform Capabilities

Everything you need.
Nothing you don't.

Multi-rail

Every rail.
One agreement.

ACH, card networks, RTP, SEPA, SWIFT — all accessible through a single contract and a unified API. No juggling multiple processors.

ACH
RTP
VISA
SEPA
SWIFT
UI SDK

Drop-in UI
components

Prebuilt, customizable payment flows that look native to your product. Tokenized card inputs, bank selectors, and checkout modals — styled to your brand in minutes.

•••• •••• •••• 424212/27
Select your bank
Pay $149.00
Data warehouse infrastructure
Data Sync

Your data,
your warehouse

Real-time event streaming to Snowflake, BigQuery, Redshift, or your own S3 bucket. Every transaction, dispute, and webhook — queryable within seconds of settlement.

payment.captured0ms
ledger.updated12ms
webhook.dispatched18ms
KYC / KYB

Fastest onboarding
in the industry

Automated KYC and KYB verification with AI-assisted document review. Most merchants go live the same day they apply. No paper, no fax, no delays.

<4h
KYB approval
median time
97{eb9e153d5458cfde4cb73030bfae0e40d783d4826bb51660c059a543393ce222}
Auto-approved
no manual review
1 day
Go-live
from application
Verification pipelineComplete
Why moeov.com

Built different. By design.

Traditional processors were built for the last decade. moeov.com was engineered for builders shipping today.

Feature
Us
Others
Real-Time Tracking
Unified API
Transparent Data
Instant Payouts
Flexible UI Components
Single Legal Agreement

Ready to leave legacy processors behind?

Explore the Platform
Developer Experience

Built for engineers,
not just for admins.

moeov-transfer.js
// Initiate a payment transfer
const response = await moeov.transfers.create({
amount: 475000,
currency: "USD",
destination: "acct_9xK2mPqRtZ8wLv",
reference: "inv_2024_00441",
metadata: {
customer_id: "cus_7vNhJd",
order_id: "ord_88120"
}
});
 
 
{
"id": "txn_3Qm9kWxR5pLt",
"status": "pending",
"amount": 475000,
"eta": "2024-11-18T14:32:00Z"
}
200 OK — transfer initiatedavg 84ms latency
OpenAPI Spec

Machine-readable, always in sync

Every endpoint is fully described in OpenAPI 3.1. Generate typed SDKs in any language, import directly into Postman, or power your own internal tooling — no manual docs hunting.

Sandbox Mode

Full-fidelity testing, zero risk

Mirror the production environment exactly. Trigger edge-case scenarios, simulate declines, test webhook retries and idempotency — all with dedicated sandbox API keys that never touch real funds.

Webhooks

Every event, delivered reliably

Subscribe to granular event streams — transfer.completed, dispute.opened, payout.failed and 40+ more. Built-in signing, automatic retries with exponential backoff, and a replay endpoint for zero data loss.

Read the docs

Full reference, guides, and SDKs for Node.js, Python, Go, and Ruby.

moeov.com

Payment infrastructure engineered for builders — fast, reliable, and API-first by design.

Resources

  • Documentation
  • API Reference
  • Quickstart Guide
  • SDKs & Libraries
  • Status Page

Get in Touch

Product updates & changelog

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