Create accounts

Before you create an account, familiarize yourself with account types, capabilities, and requirements.

Choose a method

Only accounts onboarded through Moov's hosted onboarding process have access to the Dashboard. If you're building your own flow, Moov strongly recommends the pre-built onboarding Drop, which keeps personally identifiable information out of your systems and includes Moov's platform agreement.

As part of the verification process, an address is required for business accounts requesting wallet, send funds, collect funds, or card issuing capabilities. The following address types cannot be the main address provided for a Moov account:

• PO Box
• Commercial mailing receiving agency
• Registered agent

Sole proprietors must be created as business accounts with businessType.soleProprietorship.

In the Dashboard

In the Dashboard, navigate to Accounts and click New account. Select Onboarding link to use Moov's hosted onboarding process, or select Manual entry to enter the account details yourself.

When creating an account manually, choose the account type and capabilities, then enter the profile details. For sole proprietors, choose Business type > Sole proprietorship. You can submit the required underwriting information as part of the process. See the underwriting guide for what to submit.

After the account is created, manage it from the account's page. See update and manage accounts.

With the API, SDKs, or Moov.js

Follow the step-by-step guide for the type of account you're creating. Each guide includes cURL, Go SDK, Moov.js, and onboarding Drop examples, plus a full example that creates the account in one request.

Get an access token for Drops

This step is only required if you're going to use Moov's onboarding Drop.

Create an access token, which you'll later include as the onboarding.token when onboarding accounts with Drops.

curl -X POST "https://api.moov.io/oauth2/token" \
  -u "PUBLIC_KEY:PRIVATE_KEY" \
  -H "Origin: https://your-domain.com" \
  --data '{
    "grant_type":"client_credentials",
    "client_id":"5clTR_MdVrrkgxw2",
    "client_secret":"dNC-hg7sVm22jc3g_Eogtyu0_1Mqh_4-",
    "scope":"/accounts.write",
    "refresh_token":"i1qxz68gu50zp4i8ceyxqogmq7y0yienm52351c6..."
  }'

Note: Replace https://your-domain.com with scheme and domain only (no path) matching a domain registered in your API key's allowed domain list in the Dashboard under Developers → API keys. Even if you have multiple domains registered, set only one — the one the current request originates from. localhost is not an accepted domain. Failure to set the header correctly will cause subsequent API calls made with the token to fail with a 401.

Create an account connection

This step is optional. After you create an account, you can share scopes with it so the account (for example, a merchant) can view its own customers on Moov. The connected accounts guide lists the scopes you can share and shows the request.

Next steps

After you've created accounts, link a source like a card or bank account so you can start moving money.