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Moov

FINANCE
Velocity6.3

Moov keeps absorbing the payments plumbing its customers would otherwise build themselves.

embedded paymentsinstant paymentsapi versioningonboardingsurchargingfintech infrastructure
◆Current state
Moov is shipping on a steady quarterly API cadence with monthly increments in between, and the recent run has been about rail coverage and merchant-facing control. FedNow support arrived through the instant-bank-credit method with automatic network selection between FedNow and RTP, Google Pay landed earlier for both acceptance and payouts, and surcharging went from launch to test-mode card coverage. The embedding surface has been widening too — resumable onboarding Drops, custom Dashboard roles, fee plan disclosure, user-defined amounts on payment links.
◆Where it's heading
The pattern is consistent: take a decision a platform customer would otherwise have to make and make it Moov's problem. Network selection, surcharge regulatory caps, tipping presets, account connection scoping all follow that shape. Versioning discipline is a visible part of the story, with in-development versions previewed and deprecations announced ahead of the stable cut, which matters for a product whose customers embed it rather than integrate once.
◆Prediction
Expect the v2026.10.00 cycle to firm up around the in-development changes now surfacing in previews, with the same pattern of a preview period before the stable release rather than a single large cut.

◆Recent moves

  1. 6d ago

    Duplicate images update & bug fixes

    The upload images endpoint's 409 conflict response now returns metadata for the existing duplicate — imageID, publicID, url, altText and timestamps — so callers can reference the existing resource instead of re-uploading. A useful API contract change landing in the in-development v2026.10.00, bundled with Firefox and onboarding-navigation bug fixes.

  2. 22d ago

    FedNow support, feePlanID in onboarding Drop & API v2026.10.00 preview

    ⚡ SPARK

    FedNow support is the clearest recent example of Moov's approach — the rail decision moved inside the platform rather than being exposed as a choice. The v2026.10.00 preview work since then has been incremental against that baseline.

  3. 1mo ago

    Onboarding Drop editing, customizable Dashboard roles, invoice URL sharing & API v2026.07.00

    An optional accountID prop lets users resume onboarding where they left off and fix verification errors, which matters most for businesses with multiple beneficial owners. Shipped alongside customizable Dashboard roles and invoice URL sharing in the v2026.07.00 cut.

  4. 1mo ago

    Surcharging in test mode & bug fixes

    Test cards for surcharge fees close the loop on the surcharging feature shipped the month prior — a regulated feature is not really usable until it can be exercised in test mode. Bundled with bug fixes.

  5. 2mo ago

    User defined amounts for payment links

    Payment links can now let the payer choose an amount within a set range, with up to five suggested values. Note the API change underneath: amount is no longer universally required on payment links and must be omitted for customAmountPayment links, so this touches existing integrations.

  6. 2mo ago

    Surcharge fees, taxAmount deprecation & more

    Surcharge fees on credit card transactions arrived across transfers, payment links and invoices, with card brand caps and state and federal rules to observe and a Moov-side registration process to enable it. The compliance overhead is the reason this is worth Moov carrying rather than each platform building it.