The P2P network your users already carry.

Reach eligible debit cardholders under your brand, with fraud intelligence shared across the network.

Talk to our team Explore the docs

In partnership with

There’s no in‑network and out‑of‑network.

Every peer-to-peer product splits the world into people who have the app and people who don’t. Not us. “Do you have a debit card?” is the only requirement.1

9 in 10
US consumers have a debit card. Every other peer-to-peer network is a fraction of that.
Share of US consumers
NetworkAdoption
Debit card
90%
PayPal
35%
Venmo
34%
Zelle
30%
Cash App
21%
Debit 90.3%; PayPal 34.6%; Venmo 33.9%; Zelle 30.3%; Cash App 21.0%. 2024 Survey and Diary of Consumer Payment Choice, Federal Reserve Banks of Atlanta and San Francisco

A shared vision for P2P.

Visa is committed to helping financial institutions provide seamless, secure money movement experiences that consumers can count on. Through our work with Moov, financial institutions can now use trusted Visa credentials and infrastructure to help consumers send and receive money with greater confidence and ease.

Justin Zhao Head of Visa Direct, North America

The future of person-to-person payments is interoperability. Tapping into the trust and reach of Mastercard Move, together we’re helping financial institutions unlock that future so that the end-user can focus on what matters – seamlessly getting money into hands, when and where it’s needed most.

Mike Kresse EVP, Commercial and New Payments Flows, Mastercard, North America
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“Today’s consumers expect money movement to be universal, secure and embedded into their existing financial experiences. The future of person-to-person payments is interoperability. Tapping into the trust and reach of Mastercard Move, together we’re helping financial institutions unlock that future so that the end-user can focus on what matters – seamlessly getting money into hands, when and where it’s needed most.”

Integrating Moov Money into the Banno Digital Platform enables financial institutions to deliver a modern, fast, and secure P2P payment experience directly under their own trusted brand. It ensures that every time someone sends money to a friend or pays a contractor, that engagement – and the primary relationship – stays with the financial institution.

Ben Metz Chief Technology Officer, Jack Henry
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“Community banks and credit unions are built on service, relationships, and trust, and our goal is to help them win by continually meeting their accountholders' evolving needs. Integrating Moov Money into the Banno Digital Platform enables financial institutions to deliver a modern, fast, and secure P2P payment experience directly under their own trusted brand. It ensures that every time someone sends money to a friend or pays a contractor, that engagement – and the primary relationship – stays with the financial institution.”

Send in your app. Get paid anywhere.

Your users send through the native SDK. Recipients claim on the web, under your brand. No new app or Moov account.1

Sending, in your app

Your colors, type, and copy. Moov’s payment flow and fraud checks.

Send in three taps
Getting paid, anywhere

Hosted by Moov, under your brand. Recipients claim with an eligible debit card—even if they bank elsewhere.

Trust & safety

Protection before money moves.

Device intelligence, recipient checks, interventions mid-payment, and the limits your risk team sets: it all arrives with the SDK. Nothing to bolt on, no extra vendor, less to reimburse.2

Scams caught mid‑call

Being talked through a payment is the signature of a pressure scam. If a user is on a call while they send, we say so and urge them to hang up first.

Device intelligence

Every session is scored on signals your app can’t see: a rooted or jailbroken device, an emulator, or taps that don’t look like a person.

The connection graph

Moov correlates people, institutions, cards, and devices across the whole network, so a fraud ring reads as one shape instead of a dozen unrelated payments.

Passkeys, not passwords

Signing in uses a passkey bound to the user’s device, so there’s no password to leak, reuse, or be talked out of.

Protection throughout the payment.

Built into the SDK, from the first identity check to resolving a dispute.

Social proof before sending
We show what we know about the recipient at the moment it matters: in the sender’s contacts or not, registered under another name, known to people they know. A mistyped digit gets caught before the money leaves.
Cards verified with the issuer
A card is checked with its issuer the moment it’s added, name included. A mismatch is caught before it moves anything.
Identity from the phone number
The number behind an account is checked against carrier records, so the name on the line and how long it’s been held count toward the decision.
SIM swaps, straight from the carrier
Carriers tell us when a number was just ported or moved onto a new SIM, the opening move in an account takeover. A line that changed hands hours ago gets a harder look.
Notifications sent by Moov
Recipients hear from Moov over RCS and email. Branded, verifiable messages are far harder to imitate than an anonymous text.
AML & sanctions screening
Participants are screened at enrollment and payments are monitored in flight, so your BSA team gets signal instead of surprises.
Disputes, worked in one place
When a user disputes a payment, your team works the case against the payment’s own history and the signals behind it, rather than reassembling the story after the fact.
Trust Insights on iOS
Apple’s new signals in iOS 27 feed the same protection, so a user being coached through a scam gets stopped mid-payment.

Back office,
front row.

Review flagged activity, resolve disputes, and set payment limits in the Moov Dashboard.

Apply limits per transaction, day, month, or customer group. Every control is available through the API.

Read the docs API reference
The Moov Dashboard showing a completed transfer’s details, source and destination, and its timeline

Before you build.

How Moov Money fits your app, moves funds, and gives your team control.

Talk to our team
What is the funds flow?

Moov enrolls your financial institution as a merchant in the eyes of the card networks. You originate every transaction between your user and their counterparty. Sending money holds, then debits, the account they hold with you and pushes to the other person’s debit card or wallet from a prefunded program wallet. A request pulls from the other person’s card into that wallet, then credits the account they hold with you. Your users never hold a Moov balance.

What does the recipient need?

To send money with Moov Money, the recipient needs an eligible US Visa or Mastercard debit or prepaid card. There is no app to download and no account to open, with you or with Moov. They open a link, confirm who they are, and choose where the money lands (when they’re being paid) or how they pay (when they owe).1

What do we actually have to build?

Adding Moov Money to your app requires ledger endpoints for authorize, capture, and release when your users send money, plus credit when you collect on a request; a token exchange that hands the SDK a session; and the SDK itself in your iOS or Android app. The docs walk through all of it in order.

How much of this is our brand?

Moov Money is designed to keep your brand front and center. Sending and requesting happen inside your app, and the page the other person opens carries your name and colors. Moov appears as the payments provider, similar to how a card network appears on a card.

Who messages the recipient?

With Moov Money, Moov messages the recipient over RCS and email. Verified, branded messages are much harder for a scammer to imitate than an anonymous text, and you don’t have to stand up messaging infrastructure to send them.

Can we cap exposure while we roll out?

Yes. Moov Money lets you set payment limits per transaction, per day, per week, per month, and by daily payment count, then apply those limits by group. Start a new cohort low, move users between groups as they season, and the change takes effect on the next payment.

Drop Moov Money into your app.

Tell us about your app and your core, and we’ll show you what the integration looks like.

Talk to our 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® and the Moov logo are registered trademarks of Moov Financial, Inc. 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.