# Glossary & mental model > Definitions of Moov's key terms and concepts, including accounts, capabilities, sources, payment methods, wallets, transfers, and test mode. > AI agents: search and read all Moov docs with the docs MCP server at https://docs.moov.io/mcp (no API key). Setup: https://docs.moov.io/guides/developer-tools/mcp-ai/docs-mcp/index.md You don't have to be a payments expert to integrate with Moov. Here's an overview of some key terms and concepts, so you can get started. ## Accounts A Moov **account** is an identity record for a business or person, *not* a bank account. Every merchant, customer, and end-user of your platform has one, and it holds linked [sources](#sources) such as a [Moov wallet](#wallets), bank accounts, and cards. You may see these more specific terms: ### Partner account A partner account is a contracted business entity that uses Moov's platform to facilitate a transfer solution for merchants and connected accounts. ### Merchant account A merchant is a business entity that can facilitate transfers. A merchant is connected to Moov through a partner Moov account. ### Owner account An owner account is the account that initiated an object such as a payment link (the partner or a merchant), and **only the owner can update it**; compare `ownerAccountID` with `partnerAccountID` or `merchantAccountID` to check. ### Connected account A connected account is any account that is linked to another Moov account. A connected account can be a business or an individual account. [Read more](/guides/accounts/index.md) [Account types](/guides/accounts/account-types/index.md) * * * ## Business representatives A **business representative** is someone with beneficial ownership (≥25% ownership) or significant control over a business entity. Moov must verify business representatives before enabling payment capabilities for a business account. There are two types: control officers and beneficial owners. [Read more](/guides/accounts/requirements/business-representatives/index.md) * * * ## Capabilities **Capabilities** determine what each Moov account can do, such as storing funds in a wallet, sending funds, or collecting funds. Each capability has its own identity verification requirements. [Read more](/guides/accounts/capabilities/index.md) [Capabilities](/moovjs/accounts/capabilities/index.md) * * * ## Dashboard The Moov **Dashboard** is an online portal that gives you the ability to create and manage Moov accounts and settings. [Read more](/guides/dashboard/index.md) * * * ## Facilitator fees A **facilitator fee** is a way for you, as a platform partner, to monetize payment flows when creating a transfer. [Read more](/guides/billing/plan-options/index.md) * * * ## Foreign ID A `foreignID` is an optional, unique alias you set on an account to link it to a record in your own system. * * * ## Idempotency **Idempotency** means repeating a request produces the same result, so a retried transfer or refund can't charge someone twice. Moov uses the `X-Idempotency-Key` header for this. [Read more](/guides/money-movement/idempotency/index.md) * * * ## Instant payments **Instant payments (RTP or FedNow)** move funds to an eligible bank account in seconds, any day of the year. Moov routes instant bank payouts over the RTP or FedNow networks. [Read more](/guides/send-payments/instant-payments/index.md) * * * ## Payment methods A **payment method** is the API object that pairs a [source](#sources) with a payment rail, such as `ach-debit-fund` for a bank account or `moov-wallet` for a wallet. You use payment methods, not sources, when you create a transfer; which ones an account has depends on its sources and capabilities. [Read more](/guides/money-movement/payment-methods/index.md) [Payment methods](/moovjs/sources/payment-methods/index.md) * * * ## Push to card **Push to card** sends funds instantly to an eligible debit card over Visa Direct or Mastercard Send. [Read more](/guides/send-payments/push-to-card/index.md) * * * ## Scopes **Scopes** limit an OAuth 2.0 access token to a specific set of Moov endpoints and, usually, a single account. Client-side integrations such as Moov.js need them. [Read more](/api/authentication/scopes/index.md) [OAuth 2.0](/api/authentication/access-tokens/create/index.md) * * * ## Sources A **source** is a bank account, card, or wallet linked to a Moov account. Sources are where money is held or drawn from. Moov creates [payment methods](#payment-methods) from each source, depending on the rails it supports. [Read more](/guides/sources/index.md) * * * ## Test mode **Test mode** is a separate Moov environment with sample data and its own API keys where you can build and simulate transfers without moving real money. When you're ready to move real money, you switch to production mode. [Read more](/guides/get-started/api-authentication/test-mode/index.md) * * * ## Transfers **Transfers** move money between payment methods. Every transfer has a **source** payment method (where money comes from), a **destination** payment method (where it goes), and an amount. [Read more](/guides/money-movement/index.md) * * * ## Wallets A **Moov wallet** is a ledger balance that stores funds for a Moov account on Moov's platform. Funding payouts from a wallet makes them faster, and you can move money between wallets and linked bank accounts. [Read more](/guides/wallets/index.md) [Wallet](/moovjs/sources/wallets/index.md) * * * Visit the [Moov dictionary](https://moov.io/resources/dictionary/) for a comprehensive overview of industry terms.