Payment methods

Moov creates payment methods automatically when an account links a source and has the right capabilities. Some need an extra step first, such as verifying a bank account before ach-debit-collect appears. Get the valid combinations between two accounts with the transfer options endpoint.

Choose a payment method

Use this table to pick a rail by speed and how you'd undo it. Fees depend on your plan; see fee types and payout fees.

Card timing details are in card settlement timing, ACH cutoffs in ACH processing speed, and every undo option in reversals and ACH cancellations.

Payment methods are separate from capabilities: a payment method defines how money moves, while a capability defines what an account can do. Most payment methods work in one direction. The exception is moov-wallet, which can be a source or a destination.

Source payment methods

Source payment methods fund a transfer. The source is where the money comes from.

Destination payment methods

Destination payment methods receive a transfer. The destination is where money goes.

Use instant-bank-credit, which supports both the RTP and FedNow rails, rather than rtp-credit, which will be deprecated (see RTP credit).

Payment methods and capabilities

Payment methods belong to an individual account, but capabilities determine what the initiating account is allowed to do.

• When collecting funds, the destination account requires a collect-funds capability.
• When sending funds, the source account requires a send-funds capability.

Collecting funds

The destination account pulls from a payment method owned by the source (payer).
The payer only needs transfers.

Example:
A merchant accepting a card payment pulls from the payer’s card-payment method.
The merchant (destination) needs collect-funds.card-payments and wallet.balance.
The payer (source) only needs transfers.

Funding a wallet

To pull funds from the account's own verified bank account into its wallet with ach-debit-fund, the account needs wallet.balance.

Sending funds

The source account pushes to a payment method owned by the destination (recipient). The recipient only needs transfers.

Example:
A business sending a payout via ach-credit-same-day pushes funds to the recipient’s bank account.
The business (source) needs send-funds.ach and wallet.balance.
The recipient (destination) only needs transfers.

For full details, see the capabilities reference and enablement guide.

Source requirements

Payment methods require linked and verified sources:

• Bank account credit methods (ach-credit-same-day, instant-bank-credit, etc.) require a linked bank account
• Bank account debit methods (ach-debit-fund, ach-debit-collect) require a verified bank account
• Card-based methods (card-payment, push-to-card, etc.) require a linked card
• Wallet-based methods (moov-wallet) require an enabled wallet

Get payment methods

A payment method is disabled when its source bank account or card is removed, or when the account capability it depends on is disabled. Moov sends a paymentMethod.disabled webhook; there's nothing to fix on the payment method itself.

To retrieve payment methods for an account, use the:

• List payment methods
• Retrieve payment method

List payment methods

curl -X GET "https://api.moov.io/accounts/{accountID}/payment-methods" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00"

mc, _ := moov.NewClient()

var accountID string

mc.ListPaymentMethods(ctx, accountID)

const moov = Moov(token);

moov.accounts.paymentMethods.list({accountID});

Retrieve payment method

curl -X GET "https://api.moov.io/accounts/{accountID}/payment-methods/{paymentMethodID}" \
  -H "Authorization: Bearer {token}" \
  -H "x-moov-version: v2026.07.00"

mc, _ := moov.NewClient()

var accountID string
var paymentMethodID string

mc.GetPaymentMethod(ctx, accountID, paymentMethodID)

Transfer limits

The table below describes Moov platform or payment network limits. Individual accounts may have lower limits depending on verification and underwriting.

To request higher limits, contact Moov.