Moov Representatives API

openapi: 3.1.0
info:
  title: Moov Accounts Representatives 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: Representatives
  description: Manage business representatives associated with a Moov account for KYB compliance and ownership verification.
paths:
  /accounts/{accountID}/representatives:
    post:
      operationId: addRepresentative
      summary: Add a representative
      description: Add a business representative to a Moov account for KYB compliance. Representatives are individuals with significant ownership or control over the business, as required by FinCEN beneficial ownership rules.
      tags:
      - Representatives
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateRepresentativeRequest'
      responses:
        '200':
          description: Representative added successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Representative'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
    get:
      operationId: listRepresentatives
      summary: List representatives
      description: Retrieve all business representatives associated with a Moov account, including their verification status and ownership details.
      tags:
      - Representatives
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      responses:
        '200':
          description: Representatives returned successfully.
          content:
            application/json:
              schema:
                type: array
                items:
                  $ref: '#/components/schemas/Representative'
        '401':
          $ref: '#/components/responses/Unauthorized'
  /accounts/{accountID}/representatives/{representativeID}:
    get:
      operationId: getRepresentative
      summary: Retrieve a representative
      description: Fetch the full profile and verification details for a specific business representative on a Moov account.
      tags:
      - Representatives
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      - $ref: '#/components/parameters/RepresentativeIDParam'
      responses:
        '200':
          description: Representative details returned successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Representative'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    patch:
      operationId: updateRepresentative
      summary: Update a representative
      description: Modify the information for an existing business representative. Use this to correct or update personal details, ownership percentages, or contact information as part of KYB compliance maintenance.
      tags:
      - Representatives
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      - $ref: '#/components/parameters/RepresentativeIDParam'
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UpdateRepresentativeRequest'
      responses:
        '200':
          description: Representative updated successfully.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Representative'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
    delete:
      operationId: removeRepresentative
      summary: Remove a representative
      description: Delete a business representative from a Moov account. This may affect the account's compliance status and capability eligibility.
      tags:
      - Representatives
      parameters:
      - $ref: '#/components/parameters/AccountIDParam'
      - $ref: '#/components/parameters/RepresentativeIDParam'
      responses:
        '204':
          description: Representative removed successfully.
        '401':
          $ref: '#/components/responses/Unauthorized'
        '404':
          $ref: '#/components/responses/NotFound'
components:
  parameters:
    RepresentativeIDParam:
      name: representativeID
      in: path
      required: true
      description: Unique identifier for the representative.
      schema:
        type: string
        format: uuid
    AccountIDParam:
      name: accountID
      in: path
      required: true
      description: Unique identifier for the Moov account.
      schema:
        type: string
        format: uuid
  schemas:
    GovernmentID:
      type: object
      description: Government-issued identification for KYC verification.
      properties:
        ssn:
          $ref: '#/components/schemas/SsnOrItin'
        itin:
          $ref: '#/components/schemas/SsnOrItin'
    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.
    CreateRepresentativeRequest:
      type: object
      description: Request body for adding a business representative to an account.
      required:
      - name
      properties:
        name:
          $ref: '#/components/schemas/Name'
        phone:
          $ref: '#/components/schemas/Phone'
        email:
          type: string
          format: email
          description: Representative's email address.
        address:
          $ref: '#/components/schemas/Address'
        birthDate:
          type: string
          format: date
          description: Date of birth in ISO 8601 format (YYYY-MM-DD).
        governmentID:
          $ref: '#/components/schemas/GovernmentID'
        responsibilities:
          $ref: '#/components/schemas/RepresentativeResponsibilities'
    Phone:
      type: object
      description: Phone number with country code.
      properties:
        number:
          type: string
          description: Phone number digits without formatting.
          pattern: ^\d{10,15}$
        countryCode:
          type: string
          description: International country calling code (e.g., "1" for US).
    UpdateRepresentativeRequest:
      type: object
      description: Request body for updating a business representative. Only provided fields are updated.
      properties:
        name:
          $ref: '#/components/schemas/Name'
        phone:
          $ref: '#/components/schemas/Phone'
        email:
          type: string
          format: email
          description: Representative's email address.
        address:
          $ref: '#/components/schemas/Address'
        birthDate:
          type: string
          format: date
          description: Date of birth in ISO 8601 format.
        governmentID:
          $ref: '#/components/schemas/GovernmentID'
        responsibilities:
          $ref: '#/components/schemas/RepresentativeResponsibilities'
    Name:
      type: object
      description: Full name of an individual.
      properties:
        firstName:
          type: string
          description: Given name.
        middleName:
          type: string
          description: Middle name or initial.
        lastName:
          type: string
          description: Family name.
        suffix:
          type: string
          description: Name suffix (e.g., Jr., Sr., III).
    RepresentativeResponsibilities:
      type: object
      description: Ownership and control responsibilities of a business representative.
      properties:
        isController:
          type: boolean
          description: Whether this representative has significant control over the business.
        isOwner:
          type: boolean
          description: Whether this representative owns 25% or more of the business.
        ownershipPercentage:
          type: number
          description: Percentage of business ownership held by this representative.
          minimum: 0
          maximum: 100
        jobTitle:
          type: string
          description: Representative's job title within the business.
    SsnOrItin:
      type: object
      description: Social Security Number or Individual Taxpayer Identification Number.
      properties:
        full:
          type: string
          description: Full 9-digit SSN or ITIN. Only provided on write; masked on read.
          pattern: ^\d{9}$
        lastFour:
          type: string
          description: Last four digits of the SSN or ITIN.
          pattern: ^\d{4}$
    Representative:
      type: object
      description: A business representative with significant ownership or control over a Moov business account, required for KYB compliance.
      properties:
        representativeID:
          type: string
          format: uuid
          description: Unique identifier for the representative.
        name:
          $ref: '#/components/schemas/Name'
        phone:
          $ref: '#/components/schemas/Phone'
        email:
          type: string
          format: email
          description: Representative's email address.
        address:
          $ref: '#/components/schemas/Address'
        birthDate:
          type: string
          format: date
          description: Date of birth in ISO 8601 format.
        governmentID:
          $ref: '#/components/schemas/GovernmentID'
        responsibilities:
          $ref: '#/components/schemas/RepresentativeResponsibilities'
        createdOn:
          type: string
          format: date-time
          description: ISO 8601 timestamp when the representative was added.
        updatedOn:
          type: string
          format: date-time
          description: ISO 8601 timestamp when the representative was last updated.
        disabledOn:
          type: string
          format: date-time
          description: ISO 8601 timestamp when the representative was disabled, if applicable.
    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/