Move Money API

One endpoint, multiple payment methods

Our Move Money API is a single, unified payments service that allows you to send and receive ACH, internal transfers and real-time* payments and pay bills though one easy-to-implement endpoint.

Banking as a Service

Learn more about Move Money

Send and receive payments with our Move Money API

We understand that integrating payments into your application can be complicated. Our Move Money API is a a single, unified service where all supported payment types (currently ACH, bill pay and real-time* card payments) are accessible through one easy-to-implement endpoint with only three required parameters. 

Move money between U.S. bank accounts at any financial institution and accounts at BBVA originated through our Accounts API or through other bank channels. Push and pull funds instantly to and from any U.S.-issued Visa® and Mastercard® debit card or reloadable prepaid card. Initiate transactions in real time, 24 hours a day, 365 days a year. Make payments to thousands of payees in our Payee Directory or pay anyone in the U.S. by using the API to send a paper check.

In the future, we plan to introduce credit card payments, cross border payments and U.S. wire transfers.

* Actual fund availability depends on the receiving financial institution and region. 

What it offers

Advantages of the Move Money API

Send or receive funds

Access Same Day ACH and Next Day ACH, digital bill pay and real-time payments through a single, unified payments endpoint.

Pay anyone

Transfer funds to and from friends, customers, companies or employees.

Multiple applications

Our unified payments endpoint allows you to conduct payroll, send and receive payments to and from customers, or enable your customers to move funds or pay bills.

Real-time notifications

Increase transparency and insight. Webhook and SQS notifications let you tell your customers where their payments are in real time.

Built In business logic

No need to become a U.S. banking, clearing or payments expert in order to transfer funds.

White label service

Offer best-in-class service to your customers, while controlling the end user experience. Offer a wide range of payments and access to other banking services as a native part of your application.

Services at a glance

Our Move Money API offers:

Real-time payments

Send or receive real-time payments to or from any U.S. debit card or reloadable prepaid card issued by Visa® or MasterCard®. Make real-time transfers to and from friends, customers, companies or employees without using their bank details.

An easy way to pay bills

Enable your customers to pay the thousands of payees in our Bill Pay directory electronically. Pay recipients outside of our directory by issuing a paper check.

Same Day and Next Day ACH

Send or receive funds via Same Day or Next Day ACH to or from other U.S. financial institutions.

How does it work?

How Move Money API worksHow Move Money API works

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Let’s talk

Get in touch with us to find out how our suite of APIs can turn your innovations into reality.