Moov Payment Methods API

openapi: 3.1.0
info:
  title: Moov Accounts Payment Methods 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: Payment Methods
  description: Retrieve the available payment methods on an account, including bank accounts, cards, and wallets, which can be used as transfer sources or destinations.
paths:
  /accounts/{accountID}/payment-methods:
    get:
      operationId: listPaymentMethods
      summary: List payment methods
      description: Retrieve all available payment methods for a Moov account, including bank accounts, cards, and wallets. The available methods depend on linked funding sources and the account's enabled capabilities.
      tags:
      - Payment Methods
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      responses:
        '200':
          description: Payment methods returned successfully.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/PaymentMethod'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /accounts/{accountID}/payment-methods/{paymentMethodID}:
    get:
      operationId: getPaymentMethod
      summary: Retrieve a payment method
      description: Fetch the details of a specific payment method on a Moov account.
      tags:
      - Payment Methods
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      - $ref: '#/components/parameters/PaymentMethodIDParam'
      responses:
        '200':
          description: Payment method returned successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/PaymentMethod'
        '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
    PaymentMethodIDParam:
      name: paymentMethodID
      in: path
      required: true
      description: Unique identifier for the payment method.
      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.
    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.
    Wallet:
      type: object
      description: A Moov digital wallet that holds funds on the platform for an account. Wallets serve as intermediate stores of value for money movement.
      properties:
        walletID:
          type: string
          format: uuid
          description: Unique identifier for the wallet.
        availableBalance:
          $ref: '#/components/schemas/Amount'
        createdOn:
          type: string
          format: date-time
          description: ISO 8601 timestamp when the wallet was created.
        updatedOn:
          type: string
          format: date-time
          description: ISO 8601 timestamp when the wallet was last updated.
    CardExpiration:
      type: object
      description: Card expiration date.
      properties:
        month:
          type: string
          description: Two-digit expiration month.
          pattern: ^(0[1-9]|1[0-2])$
        year:
          type: string
          description: Two-digit expiration year.
          pattern: ^\d{2}$
    Amount:
      type: object
      description: A monetary amount with currency denomination.
      properties:
        currency:
          type: string
          description: ISO 4217 three-letter currency code.
          default: USD
          minLength: 3
          maxLength: 3
        value:
          type: integer
          description: Amount in the smallest currency unit (e.g., cents for USD).
          minimum: 0
    PaymentMethod:
      type: object
      description: A payment method on a Moov account, representing a bank account, card, or wallet that can be used as the source or destination of a transfer.
      properties:
        paymentMethodID:
          type: string
          format: uuid
          description: Unique identifier for the payment method.
        paymentMethodType:
          type: string
          description: The type of underlying payment instrument.
          enum:
          - moov-wallet
          - ach-debit-fund
          - ach-debit-collect
          - ach-credit-standard
          - ach-credit-same-day
          - rtp-credit
          - card-payment
        wallet:
          $ref: '#/components/schemas/Wallet'
        bankAccount:
          $ref: '#/components/schemas/BankAccount'
        card:
          $ref: '#/components/schemas/Card'
    BankAccount:
      type: object
      description: A bank account linked to a Moov account as a funding source for ACH and RTP transfers.
      properties:
        bankAccountID:
          type: string
          format: uuid
          description: Unique identifier for the bank account.
        bankName:
          type: string
          description: Name of the financial institution.
        bankAccountType:
          type: string
          description: Type of bank account.
          enum:
          - checking
          - savings
          - loan
        routingNumber:
          type: string
          description: ABA routing transit number for the bank.
          pattern: ^\d{9}$
        lastFourAccountNumber:
          type: string
          description: Last four digits of the bank account number.
          pattern: ^\d{4}$
        status:
          type: string
          description: Verification and usability status of the bank account.
          enum:
          - new
          - unverified
          - pending
          - verified
          - errored
        verificationStatus:
          type: string
          description: Current state of the bank account verification process.
          enum:
          - unverified
          - pending
          - verificationFailed
          - verified
          - mxVerified
        createdOn:
          type: string
          format: date-time
          description: ISO 8601 timestamp when the bank account was linked.
        updatedOn:
          type: string
          format: date-time
          description: ISO 8601 timestamp when the bank account was last updated.
    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'
    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/