You can now cancel ACH and card transfers through the API or the Dashboard. There is a limited window where you are able to initiate a cancellation. See following resources for more information:
Moov's Node SDK is no longer supported. To receive support or access to new features, migrate to the Typescript SDK (or any of the new SDKs listed above).
Updated transfer & refund paths
The paths for all transfer and refund endpoints have been prefixed with /accounts/{accountID} to scope permissions to the specified account. For example, to retrieve a list of all transfers:
/transfers has become /accounts/{accountID}/transfers.
We suggest updating all endpoints in your application as soon as possible. See our transfers API and refunds API for more information.
Pricing fee plans
Fee plans
When you onboard merchants, you'll now have the ability to create and assign fee plans. Moov is introducing flexible pricing plans that let you have more control over interchange, card network, and Moov fee. When you create a fee template, you can assign it to one or many merchants.
Flat rate plans lump fees together and can be customized per merchant, whereas cost plus plans pass interchange and Moov fees along to the merchant.
Moov suggests onboarding merchants and selecting fee plans through our hosted onboarding process. You can view a list of billable events that incur fees in our pricing guide.
Bug fixes & updates
Bug fixes
Fixed a Dashboard issue where the Fix now button for capability requirements was not working
Fixed a test mode disputes issue where chargebackReversed was not receiving the full chargeback amount
Fixed the evidence text response body, which was not showing all fields
Updates
Added missing 409 response to the create brand endpoint
Added an undocumented text field to the list dispute evidence endpoint
Added missing query parameter walletID to the list adjustments endpoint
Added missing scope documentation for sweeps and adjustments endpoints
Payment links & more
Payment links
You can now create payment links to accept payments. A payment link authenticates a session that lets your customers securely create a Moov account and link payment methods before submitting payment through a generated link or QR code. A payment link can accept the following payment methods:
Apple Pay
Card
ACH debit collect
View our payment links documentation and API for more information.
Payout payment links coming soon.
Pull from card dispute testing
In test mode, we've added one Mastercard and one Visa card number to simulate disputes for pull from card transfers. See our test mode guide for more information.
Fixes & updates
Added missing documentation and error responses to the access token endpoints
Specifies what types of dispute files can be uploaded:
image/jpeg
image/tiff
application/pdf
Additional 201 response has been added with the following fields:
evidenceID
disputeID
evidenceType
createdOn
Wallet fund timing & bug fixes
If you're subscribed to our changelog emails, we will now be sending from hello@moov.io. If you haven't already, please add this domain to your safe list so you don't miss any changelog emails.
Wallet fund timing
For card payments, wallets are now funded by 1PM ET instead of 6PM ET. See our documentation for more details on settlement timing.
Bug fixes
Fixed an issue where network fees were not being estimated.
Fixed a bug where memos were not appearing on moov-fee wallet transactions.
Fixed a bug where the facilitator view button in the Dashboard was not switching account views.
Product release roundup 2024
Read our newest product release blog post for a roundup of Moov's most exciting launches of 2024.
Cards, wallets, disputes & more
International card acquiring support
To support international card acquiring, a card's billing address now supports postal codes up to 10 characters. Additionally, the card's issuing country will be included when retrieving information about card transactions.
Wallet adjustments
Scenarios occur where Moov may make an immediate adjustment to a wallet’s balance, such as partial chargebacks, fee adjustments, or corrections from transaction processing. Upon adjustment, you’ll get a walletTransaction.updated webhook notification and can find the adjustment reason in the wallet transaction memo. Two endpoints have been added to retrieve further details about wallet adjustments:
The paths for all dispute endpoints have been prefixed with /accounts/{accountID} to scope permissions to the specified account. For example, to retrieve a list of all disputes:
/disputes has become /accounts/{accountID}/disputes
We suggest updating all endpoints in your application as soon as possible. See our disputes API for more information.
Updated velocity limits
Velocity limits for Visa and Mastercard push to card transactions are now the following:
Limit type
Maximum limit
Amount
$25,000
1-day velocity
150 transactions or $100,000
7-day velocity
250 transactions or $250,000
30-day velocity
750 transactions or 500,000
Updated Apple Pay scopes
Apple Pay scopes have been updated from apple-pay.write and apple-pay.read to the following:
apple-pay-merchant.write
apple-pay-merchant.write
Bug fixes
Fixed an account linking bug in the payment method Drop
Added missing 400 responses to the cards and accounts endpoint documentation
Drops improvements
Onboarding Drop
We've improved the onboarding Drop experience. The business representative steps will now be skipped if only the transfer capability is requested.
Card link Drop bug fix
We've fixed an issue in the card link Drop where the error icon was not honoring the fill opacity.
Updates to branding options, Moov.js & more
Branding options
Business accounts now have the ability to set brand colors for light and dark modes. You can choose and set brand colors in the Dashboard settings or with the enrichment API. Brand colors help your customers identify your brand throughout Moov's hosted onboarding process.
Moov.js
Linking a bank account will now send a request with the x-wait-for: payment-method header, allowing for client apps to use the paymentMethodID that comes back in the response.
Moov.js now includes methods for using Moov’s new [instant bank account verification](moov.accounts.bankAccounts.startMicroDepositVerification({accountID, bankAccountID})) flow.
Improved the success rate of auto-fetching images for Moov accounts and financial institutions on linked bank accounts.
Added EIN as an available field for use with Data Sync.
Dashboard sign in verification codes are delivered faster.
Bug fixes
Fixed a bug with card fee assessments.
Fixed a bug with American Express chargeback inquiry processing.
Fixed a bug preventing date of birth from being entered in the Dashboard onboarding process.
Fixed an issue where Moov account capabilities could be in a pending status without requirements.
Transfer, Dashboard & card brand updates
Transfer updates
The following IDs have all been added to the transfer model:
sweepID
occurrenceID
scheduleID
The sweep ID is present when the transfer represents a sweep generated by Moov from the wallet. The schedule ID provides a reference to the schedule the transfer was automatically created from. The occurrence ID provides a reference to the specific occurrence of that schedule.
Moov recently released a scheduled transfers beta. The new schedule ID and occurrence ID make it easier to filter and find scheduled transfers. See our scheduling API for more details.
In addition, the default statement descriptor on a sweep is now in the following format: swp_6d72dh. The default sweep statement descriptor can be overwritten by setting your own statement descriptor when initiating a sweep. See the API reference for details.
Mastercard settlement timing
Mastercard has updated their cutoff time for processing card payments. The cutoff is now 2 AM ET instead of 6 PM ET. Transfers created before the cutoff time are typically credited to a merchant’s Moov wallet the next banking day.
