Hosted onboarding

Choose capabilities

Select a business or individual account type and choose the capabilities for the account. Capabilities allow Moov accounts to receive transfers or send money to other accounts. Each capability will have a set of requirements that need to be met before it can be enabled.

Capabilities allow you to accomplish the following:

• Authorize debit transfers
• Store funds with Moov
• Send funds to another account
• Collect funds from another account (business accounts only)
• Provide a virtual card to an account (business accounts only)

You can request the following capabilities depending on use case and need:

• wallet.balance
• collect-funds.ach
• collect-funds.card-payments
• send-funds.ach
• send-funds.instant-bank
• send-funds.push-to-card
• card-issuing
• money-transfer.pull-from-card
• money-transfer.push-to-card

Visit the capabilities section for details about functions and requirements. To view and manage enabled capabilities on an account in the Dashboard, open the account's Capabilities tab.

Select fee plan

Select a standard plan, which has a $500 monthly transaction minimum, or set up a custom interchange plan. For some fees, you have the option of choosing an all-in model, or you can also assign specific fees based on fee types.

Once you create a plan, you can assign it to one account or reuse it for many accounts. New accounts must agree to and accept the fee plan before it can go into effect.

Plans use either flat rate or interchange cost-plus pricing.

When you set up an account with a fee plan, they will receive a pricing disclosure they need to accept. The pricing disclosure shows the rates for the following:

• ACH
• Card acquiring
• Instant payments (RTP)
• Transaction management fees
• Platform fees
• Network fees

In the API, use the fee plan endpoint to retrieve the fee plans available to use with an account. See pricing plans & disclosure below for how fees are charged.

Select scopes to share

Scopes specify what actions an account can take on Moov's platform. When you enable certain scopes for yourself and the new account, you create connections between your account, the merchant account, and the merchant's customers:

A partner gains visibility across every connected account, while businesses can only access their own customers (see connected accounts for the partner, merchant, and customer roles). The following scopes can be shared by a partner with other accounts:

• accounts.read
• accounts.write
• analytics.read
• apple-pay-merchant.read
• apple-pay-merchant.write
• apple-pay.read
• apple-pay.write
• bank-accounts.read
• bank-accounts.write
• capabilities.read
• capabilities.write
• cards.read
• cards.write
• documents.read
• documents.write
• fed.read
• files.read
• files.write
• issued-cards.read
• issued-cards.write
• issued-cards.read-private
• payment-methods.read
• ping.read
• profile-enrichment.read
• profile.read
• profile.write
• profile.disconnect
• representatives.read
• representatives.write
• transfers.read
• transfers.write
• wallets.read

In the Dashboard, Moov preselects some scopes based on general usage of Moov's platform. Select Edit scopes to enable a different set of scopes.

The new account will see which scopes are enabled during their onboarding process, and can view any customers you've shared with them. See the connected accounts guide for more information.

Prefill data

Decide whether to prefill any existing account data. If you prefill data, enter basic information for the account, such as company name, industry, and address.

It is always a best practice to include customer support details for an account, such as a dedicated customer support phone number. For card acceptance, if no customer support phone number is provided, the business phone number may appear on statements instead.

Create and send the link

curl -X POST "https://api.moov.io/onboarding-invites" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00" \
  --data-raw '{
    "returnURL": "https://mycompany.com/account",
    "termsOfServiceURL": "https://mycompany.com/terms-of-service",
    "scopes": [
      "accounts.read",
      "bank-accounts.read",
      "bank-accounts.write",
      "capabilities.read",
      "capabilities.write",
      "profile.read",
      "profile.write",
      "payment-methods.read",
      "transfers.read",
      "transfers.write",
      "wallets.read"
    ],
    "grantScopes": [
      "accounts.read",
      "bank-accounts.read",
      "bank-accounts.write",
      "capabilities.read",
      "capabilities.write",
      "profile.read",
      "profile.write",
      "payment-methods.read",
      "transfers.read",
      "transfers.write",
      "wallets.read"
    ],
    "capabilities": [
      "transfers"
    ],
    "feePlanCodes": [
      "b6134307-8922-4a72-bf3c-d0297bbe8a35"
    ],
    "prefill": {
      "mode": "production",
      "accountType": "business",
      "profile": {
        "business": {
          "legalBusinessName": "Whole Body Fitness LLC",
          "doingBusinessAs": "Whole Body Fitness",
          "businessType": "llc",
          "address": {
            "addressLine1": "123 Main Street",
            "addressLine2": "Apt 302",
            "city": "Boulder",
            "stateOrProvince": "CO",
            "postalCode": "80301",
            "country": "US"
          },
          "phone": {
            "number": "8185551212",
            "countryCode": "1"
          },
          "email": "amanda@classbooker.dev",
          "website": "www.wholebodyfitnessgym.com",
          "description": "Local fitness center paying out instructors",
          "taxID": {
            "ein": {
              "number": "123-45-6789"
            }
          },
          "industryCodes": {
            "naics": "713940",
            "sic": "7991",
            "mcc": "7997"
          },
          "primaryRegulator": "FDIC"
        }
      },
      "metadata": {
        "property1": "string",
        "property2": "string"
      },
      "foreignID": "4528aba-b9a1-11eb-8529-0242ac13003",
      "customerSupport": {
        "phone": {
          "number": "8185551212",
          "countryCode": "1"
        },
        "email": "amanda@classbooker.dev",
        "address": {
          "addressLine1": "123 Main Street",
          "addressLine2": "Apt 302",
          "city": "Boulder",
          "stateOrProvince": "CO",
          "postalCode": "80301",
          "country": "US"
        },
        "website": "www.wholebodyfitnessgym.com"
      },
      "settings": {
        "cardPayment": {
          "statementDescriptor": "Whole Body Fitness"
        },
        "achPayment": {
          "companyName": "Whole Body Fitness"
        }
      }
    }
  }'