Modern payments for digital banking
Power your digital banking platform with P2P payments, instant transfers, and tools to grow deposits.
What’s slowing down
banking platforms?
Outdated payment infrastructure
Legacy systems can’t keep up with user expectations for speed, flexibility, and reliability.
High operational costs
Maintaining outdated systems and handling manual workflows increases expenses and limits scalability.
User experience gaps
Slow transactions, limited payment options, and loose integrations lead to frustration and lost customers.
P2P that keeps account holders with you.
Moov Money lets account holders pay anyone with a debit card, right inside your banking app and under your brand. Recipients don’t download anything, and deposits don’t leak out to a third-party wallet.1
In partnership with
There’s no in‑network and out‑of‑network.
Every other P2P product splits the world into people who have the app and people who don’t. Moov Money runs on Visa Direct and Mastercard Move, so money lands in the account behind any eligible debit card—even when the recipient’s bank hasn’t joined.1
P2P market share
| Payment method | Share of US consumers | |
|---|---|---|
| Debit card | 90.5% | |
| PayPal | 34.6% | |
| Venmo | 33.9% | |
| Zelle | 30.3% | |
| Cash App | 21.0% | |
Share of US consumers. Debit card: 2025 Survey and Diary of Consumer Payment Choice. Payment apps: 2024 Survey and Diary of Consumer Payment Choice. Federal Reserve Banks of Atlanta and San Francisco.
Moov operates the network. You keep the relationship.
Reach every eligible debit card
Send to eligible Visa and Mastercard debit cards, including recipients whose financial institution hasn’t integrated Moov Money.
Deposits that stay put
Money lands in the account behind the recipient’s debit card, not in a separate P2P wallet waiting to be cashed out.
Your brand, front and center
Sending happens in your app with your colors, type, and copy. The page recipients open carries your name, too.
One-tap acceptance
Apple Pay and Google Pay let eligible recipients accept without typing a card number.
Security that stays out of the way
Passkeys, issuer card verification, device intelligence, active-call detection, and trust prompts—before money moves.2
Integrated end-user support
Moov helps senders and recipients with their payments, so less of it lands on your service team.
Moov Money is a service of Moov Financial, Inc. and is offered through participating financial institutions, brokerages, and fintech providers. Moov Financial, Inc. is not a bank. Availability, features, and limits vary by institution and are subject to its terms and conditions. Moov Money is currently available only in the United States.
1 Recipient eligibility. Recipients do not need an account at a participating institution to claim a payment, but must provide an eligible U.S. deposit account, debit card, or wallet to receive funds. SMS and RCS message and data rates may apply.
2 Fraud monitoring. Real-time monitoring helps identify scams and suspicious activity, but no security system can prevent all fraud. Feature availability depends on the user’s device and operating system version.
Moov Money is a trademark of Moov Financial, Inc. Visa is a registered trademark of Visa International Service Association. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC.
Modern solutions to move digital banking forward
Account funding
Reduce new account abandonment by letting customers fund their accounts and start using them immediately—no waiting, no drop-offs, just seamless activation.
Fund an account by pulling funds from another bank account with a debit card.
Disburse funds instantly using TCH RTP®, FedNow®, or push to debit cards.
Instant transfers
Enable instant money movement between user’s accounts at other institutions with real-time options.
Supercharge external transfers with debit cards for real-time money movement.
Allow users to make a loan payment with a debit card with a capped interchange rate from the card brands or with ACH.
In-app card acceptance
Offer small business users new ways to accept payments—directly from your mobile banking app. Turn digital banking into the point of sale with Tap to Pay on iPhone and Android.
Use Moov to help your small business users accept payments and settle funds directly to their bank account at the financial institution.
Bridge the gap with in-person payments using QR codes. Users scan the code to pull up the payment link & complete their payment.
Automated merchant onboarding
Becoming a merchant takes a few short steps, with automated and AI-assisted KYC and underwriting from Moov.
Capturing data is easy, but handling exceptions with a great UX takes time. Use our experience to get to market faster.
Ask for less and improve accuracy. Fetch business details from an email address and autocomplete addresses.
Moov has become an integral part of our strategy at Jack Henry. Their platform’s developer-first approach allows us to innovate quickly and stay ahead of industry demands. Moov’s world-class engineering and design team has deep experience navigating complex payment infrastructure, which helps us win because we’re able to focus on building exceptional customer experiences.
CTO, Jack Henry
Get started today.
Let’s discuss your unique needs and show you how Moov can help. We can build something together.
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