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Moov

FINANCE
Velocity5.0

Moov keeps closing the gap between what its API can do and what the Dashboard exposes.

paymentsembedded-financefee-managementonboardingapi-versioning
◆Current state
Moov is a payments platform shipping on a versioned API train, currently with v2026.10.00 in preview and v2026.07.00 recently landed. The last two months added FedNow alongside RTP for instant bank credits, surcharging, payout fees that merchants can pass to recipients, user-defined amounts on payment links, and custom Dashboard roles. The consistent shape of a release is an API capability followed weeks later by the Dashboard surface for it.
◆Where it's heading
Two threads run in parallel. One is fee mechanics — surcharging, tax moved into amountDetails, payout fees, and now fee plan reassignment — steadily giving platforms more control over who pays what and when they agree to it. The other is self-service: pricing disclosure in the onboarding Drop, resumable onboarding, custom roles, and richer partner onboarding all reduce the number of moments a customer has to talk to Moov support. Both point at Moov being operated by platforms embedding payments rather than by merchants directly.
◆Prediction
Fee plan agreement updates are still in-development on v2026.10.00, so expect that to reach general availability along with the Dashboard controls to match. The recurring gap between an API capability and its Dashboard equivalent suggests the next Dashboard releases will pick up fee plan management.

◆Recent moves

  1. 19d ago

    Dashboard payout fees & partner onboarding

    Payout fees reach the Dashboard a week after landing in the API, closing the gap the previous release flagged as coming soon. Partner accounts also supply more business information during onboarding, cutting a round of back-and-forth with Moov support before an account can go to production. This is the Dashboard half of an already-shipped capability rather than a new one.

  2. 26d ago

    Payout fees & fee plan reassignment

    Accounts can pass payout fees to recipients, who then choose between a low-cost standard ACH payout and a faster, pricier method. It extends the fee-mechanics thread running through surcharging and tax handling, letting platforms offer payout speed as a priced option rather than absorbing the cost. Fee plan agreements also become updatable via API, though that ships in-development.

  3. 1mo ago

    Duplicate images update & bug fixes

    The image upload endpoint's 409 response now returns metadata for the existing image, so callers can reference what is already stored instead of re-uploading. The rest of the release is bug fixes across sign-in rendering, hosted onboarding navigation, and card update handling.

  4. 1mo ago

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

    ⚡ SPARK

    The release where Moov stopped exposing the choice between the two US instant-payment rails and started routing it. Everything since has been fee mechanics and Dashboard catch-up, which makes this the last genuine change to what the platform can do.

  5. 2mo ago

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

    Onboarding gains a resumable Drop via an accountID prop, the Dashboard gets customizable roles beyond Moov's presets, and invoice payment link URLs become copyable from the Dashboard or fetchable from the API. All three trim moments where a customer would otherwise be stuck or need support, which is the self-service thread running alongside the fee work.

  6. 2mo ago

    Surcharging in test mode & bug fixes

    Test credit and debit cards are added so surcharge fees can be exercised in test mode. It supports the surcharging feature shipped a month earlier without changing production behavior.