Moov Cards API

openapi: 3.1.0
info:
  title: Moov Accounts Cards API
  description: The Moov API is a RESTful financial infrastructure platform that enables developers to integrate money movement capabilities into their applications. The API supports a full range of financial operations including account management, payment method onboarding, transfers, sweeps, refunds, dispute resolution, card issuing, and payment links. It provides capabilities for accepting payments, storing funds in digital wallets, sending money between accounts, and issuing cards for spend management. Authentication uses OAuth2 access tokens with permission scopes, and the API returns JSON responses using standard HTTP response codes.
  version: 2026.01.00
  contact:
    name: Moov Support
    url: https://docs.moov.io/
  termsOfService: https://moov.io/legal/platform-agreement/
servers:
- url: https://api.moov.io
  description: Production Server
security:
- bearerAuth: []
tags:
- name: Cards
  description: Link and manage debit and credit cards as payment sources on Moov accounts.
paths:
  /accounts/{accountID}/cards:
    post:
      operationId: linkCard
      summary: Link a card
      description: Attach a debit or credit card to a Moov account as a payment source. Card data is handled in a PCI-compliant manner via Moov.js to keep sensitive card numbers out of developer infrastructure.
      tags:
      - Cards
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/LinkCardRequest'
      responses:
        '200':
          description: Card linked successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Card'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
    get:
      operationId: listCards
      summary: List cards
      description: Retrieve all cards linked to a Moov account, including their status, card brand, and last four digits.
      tags:
      - Cards
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      responses:
        '200':
          description: Cards returned successfully.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/Card'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /accounts/{accountID}/cards/{cardID}:
    get:
      operationId: getCard
      summary: Retrieve a card
      description: Fetch the details of a specific linked card on a Moov account, including card type, brand, expiration, and current status.
      tags:
      - Cards
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      - $ref: '#/components/parameters/CardIDParam'
      responses:
        '200':
          description: Card details returned successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Card'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    patch:
      operationId: updateCard
      summary: Update a card
      description: Update the billing address or other mutable attributes of a linked card on a Moov account.
      tags:
      - Cards
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      - $ref: '#/components/parameters/CardIDParam'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UpdateCardRequest'
      responses:
        '200':
          description: Card updated successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Card'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    delete:
      operationId: disableCard
      summary: Disable a card
      description: Remove a linked card from a Moov account. Disabled cards can no longer be used as a payment source for new transfers.
      tags:
      - Cards
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      - $ref: '#/components/parameters/CardIDParam'
      responses:
        '204':
          description: Card disabled successfully.
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  parameters:
    AccountIDParam:
      name: accountID
      in: path
      required: true
      description: Unique identifier for the Moov account.
      schema:
        type: string
        format: uuid
    CardIDParam:
      name: cardID
      in: path
      required: true
      description: Unique identifier for the card.
      schema:
        type: string
        format: uuid
  schemas:
    CardVerification:
      type: object
      description: Results of card verification checks.
      properties:
        cvv:
          type: string
          description: CVV verification result.
          enum:
          - match
          - noMatch
          - notChecked
          - unavailable
        addressLine1:
          type: string
          description: Address line 1 AVS verification result.
          enum:
          - match
          - noMatch
          - notChecked
          - unavailable
        postalCode:
          type: string
          description: Postal code AVS verification result.
          enum:
          - match
          - noMatch
          - notChecked
          - unavailable
    Error:
      type: object
      description: Standard error response returned by the Moov API.
      properties:
        error:
          type: string
          description: Human-readable description of the error.
        code:
          type: string
          description: Machine-readable error code.
    UpdateCardRequest:
      type: object
      description: Request body for updating a linked card.
      properties:
        billingAddress:
          $ref: '#/components/schemas/Address'
        expiration:
          $ref: '#/components/schemas/CardExpiration'
        cardCvv:
          type: string
          description: Updated card security code.
          minLength: 3
          maxLength: 4
    Card:
      type: object
      description: A credit or debit card linked to a Moov account as a payment source.
      properties:
        cardID:
          type: string
          format: uuid
          description: Unique identifier for the card.
        fingerprint:
          type: string
          description: Unique fingerprint identifying the underlying card number.
        brand:
          type: string
          description: Card network brand.
          enum:
          - Visa
          - Mastercard
          - AmericanExpress
          - Discover
          - DinersClub
          - JCB
        cardType:
          type: string
          description: Type of card.
          enum:
          - debit
          - credit
          - prepaid
          - unknown
        lastFourCardNumber:
          type: string
          description: Last four digits of the card number.
          pattern: ^\d{4}$
        bin:
          type: string
          description: First six digits of the card number (Bank Identification Number).
        expiration:
          $ref: '#/components/schemas/CardExpiration'
        holderName:
          type: string
          description: Name of the cardholder as it appears on the card.
        billingAddress:
          $ref: '#/components/schemas/Address'
        cardVerification:
          $ref: '#/components/schemas/CardVerification'
        issuer:
          type: string
          description: Name of the card-issuing financial institution.
        issuerCountry:
          type: string
          description: Two-letter ISO country code of the card issuer.
          maxLength: 2
        createdOn:
          type: string
          format: date-time
          description: ISO 8601 timestamp when the card was linked.
        updatedOn:
          type: string
          format: date-time
          description: ISO 8601 timestamp when the card was last updated.
    CardExpiration:
      type: object
      description: Card expiration date.
      properties:
        month:
          type: string
          description: Two-digit expiration month.
          pattern: ^(0[1-9]|1[0-2])$
        year:
          type: string
          description: Two-digit expiration year.
          pattern: ^\d{2}$
    LinkCardRequest:
      type: object
      description: Request body for linking a card to a Moov account.
      properties:
        cardNumber:
          type: string
          description: Full card number. Must be submitted via Moov.js to remain PCI compliant.
        expiration:
          $ref: '#/components/schemas/CardExpiration'
        cardCvv:
          type: string
          description: Card security code.
          minLength: 3
          maxLength: 4
        holderName:
          type: string
          description: Name of the cardholder.
        billingAddress:
          $ref: '#/components/schemas/Address'
    Address:
      type: object
      description: Physical or mailing address.
      properties:
        addressLine1:
          type: string
          description: Primary street address.
        addressLine2:
          type: string
          description: Secondary address line (suite, apartment, etc.).
        city:
          type: string
          description: City name.
        stateOrProvince:
          type: string
          description: Two-letter state or province code.
          maxLength: 2
        postalCode:
          type: string
          description: Postal or ZIP code.
        country:
          type: string
          description: Two-letter ISO 3166-1 alpha-2 country code.
          maxLength: 2
  responses:
    Unauthorized:
      description: Authentication failed. Ensure a valid Bearer token is provided with the required scopes for this operation.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: The request was malformed or contained invalid parameters.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    NotFound:
      description: The requested resource was not found.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
      description: OAuth2 bearer token obtained from the /oauth2/token endpoint. Include in the Authorization header as "Bearer {token}".
externalDocs:
  description: Moov API Documentation
  url: https://docs.moov.io/api/