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Moov

FINANCE
Velocity5.0

Moov keeps widening its money-movement surface — surcharging, Google Pay, and client-side auth.

payments-apisurchargingmoney-movementcard-acceptancedeveloper-platformcompliance
◆Current state
Moov is a money-movement API and platform steadily broadening what merchants can accept and how they monetize. Recent releases add surcharging, tipping, HSA/FSA/HRA healthcare cards, Google Pay, user-defined payment-link amounts, and a client-side TypeScript SDK with OAuth. The cadence is a quarterly API train (v2026.04.00 stable, v2026.07.00 in development) with steady interim feature drops and heavy bug-fix hygiene.
◆Where it's heading
The platform is moving in two directions at once: expanding acceptance rails (Google Pay, healthcare benefit cards, instant-bank RTP/FedNow) and giving merchants more monetization levers (surcharging, tipping, user-defined amounts). The v2026.07.00 cycle introduces breaking changes — deprecating taxAmount in favor of a structured amountDetails.tax object — signaling an API cleanup to support richer amount modeling.
◆Prediction
Expect v2026.07.00 to reach stable in July with surcharging generally available, and continued instant-payment expansion as FedNow follows RTP on instant-bank-credit.

◆Recent moves

  1. 1d ago

    Surcharging in test mode & bug fixes

    Adds sandbox test cards so developers can exercise surcharge fees before going live, plus a batch of card, verification, and invoice bug fixes. Supporting tooling for the surcharging capability rolling out in the v2026.07.00 cycle.

  2. 15d ago

    User defined amounts for payment links

    Payment links can now let buyers choose their own amount within a min/max range with up to five suggested presets, making links usable for donations, tips, and open invoices. A pragmatic flexibility add that also relaxes the required-amount field in the links API.

  3. 1mo ago

    Surcharge fees, taxAmount deprecation & more

    ⚡ SPARK

    Surcharging goes live across transfers, payment links, and invoices in v2026.07.00, letting merchants pass card-processing costs to buyers within brand and regulatory caps — alongside a breaking move of tax from taxAmount to a structured amountDetails.tax object.

  4. 1mo ago

    Account connections, client-side TypeScript SDK & more

    Adds scope-sharing across connected Moov accounts for platform and marketplace setups, a client-side TypeScript SDK with OAuth for in-browser flows, and AI-enhanced documentation search. Incremental platform and developer-experience broadening.

  5. 1mo ago

    Google Pay and API v2026.07.00 preview

    Google Pay acceptance and payouts arrive (from v2026.04.00), plus a preview of v2026.07.00 including a /card-metadata lookup endpoint and the tax-field restructuring. Expands the acceptance surface and previews the next API train.

    View source ↗
  6. 1mo ago

    Tipping, healthcare benefit cards & Dashboard scheduled transfers

    Adds tipping presets on links and transfers, HSA/FSA/HRA healthcare-card processing for eligible merchant categories, and Dashboard-based scheduled and recurring transfers. More monetization and vertical-acceptance levers for merchants.