Small business
How money moves
- Customer pays the business. Customers pay by credit or debit card, bank account, Apple Pay, or Google Pay through a payment link, QR code, your checkout, or a Tap to Pay phone at the counter.
- Funds settle to the business's wallet. Card and ACH payments land in the merchant's Moov wallet, minus any platform fees you collect.
- Business gets paid out. A daily sweep moves the wallet balance to the business's bank account by ACH or instant payments (RTP or FedNow).
- Money goes back when needed. Refunds, reversals, and lost disputes are funded from the merchant's wallet.
Moov products you'll use
- Hosted onboarding: sign up merchants with prefilled business details.
- Payment links: request payment by URL or QR code, with line items, tax, tips, and surcharges.
- Surcharges: pass credit card processing costs to the customer.
- Tap to Pay on iPhone and Android: take contactless payments in person with no extra hardware.
- Sweeps: pay merchants out to their bank automatically.
- Reversals and refunds: return funds to customers.
- Disputes: accept or challenge chargebacks.
Small business considerations
Surcharging rules. A surcharge applies only when the customer pays with a credit card, and it isn't available on payment links that use customer-defined amounts. Surcharging needs a review and registration with Moov and some card brands before it's enabled, and you must follow card brand caps plus federal and state rules. See surcharges.
In-person without hardware. Tap to Pay turns a merchant's phone into a card reader. iPhone requires an iPhone XS or newer on iOS 17 or later and an Apple entitlement. Android requires Android 10 or later with NFC and Google Play Integrity checks. Payment link QR codes cover devices that don't qualify.
One call for reversals and refunds. When you request a reversal, Moov cancels the authorization if the transfer hasn't settled and issues a refund if it has, so you don't have to track settlement state. You can also cancel pending ACH transfers. See ACH cancellations.
Disputes. Moov supports Visa Rapid Dispute Resolution (RDR) pre-disputes and chargebacks from all card networks. Respond before the deadline by accepting or submitting evidence in the Dashboard or API.
Healthcare merchants. Clinics, dental offices, and other healthcare MCC merchants can accept HSA, FSA, and HRA cards on Visa and Mastercard.
Build it
Work through these guides in order to build this integration end to end: