Free Credits & Offers

Moov: free credits and offers

Best offer on record: Free test mode / sandbox (fake money). 2 verified findings, checked 2026-10-22.

Offers

Free test mode / sandbox (fake money) high confidence

Moov gives every new account a free test environment: sign up and you start in test mode with pre-loaded sample account and business data; requested capabilities are auto-marked verified (no real KYC/KYB checks); transfers automatically complete; micro-deposit bank verification is simulated (enter $0.00 to succeed). No published transaction-count cap, no time limit, no credit card needed to sign up or build. Only fake money moves — real-money movement requires contacting Moov to pass verification and select a fee plan (standard plan: $500 monthly minimum, Interchange++ + 0.60% + 15c card, ACH same-day 40c, wallet 50c/mo — confirming the known baseline as of today).

Eligibility
Anyone who signs up at dashboard.moov.io; no .edu email, no startup-age or funding cap, no credit card. Platform is US-centric (US ACH, TCH RTP, FedNow, card rails).
How to claim
1) Create a Moov account (sign up) -> 2) you land in test mode with sample data pre-loaded -> 3) create a test-mode API key (named for test/CI use) and develop against the API/SDK in a no-risk environment -> 4) to move real money, contact Moov to complete verification and choose a fee plan.
Expiry
No stated expiry or renewal for test mode; no published data-retention limit. Test mode becomes moot once you move to production (a separate verified account).
Gotchas
No live money movement in test mode — it is a dev sandbox, not a free production tier. $0 spend does not survive production: standard pricing starts at a $500 monthly minimum. Test-mode feature set lags (e.g., 'simulated failed or reversed transfers' was still 'coming soon' per the 2021 launch post). API 'latest' version is deprecated; pin v2026.07.00. Free ACH micro-deposits are free even in production, but instant bank validation is 75c/attempt and third-party bank validation $1.50/attempt.
Source
docs.moov.io

Payment links / branded receipts / transaction monitoring fees waived high confidence

On the pricing page, payment links, branded receipts, and transaction monitoring are marked 'Included' but the fine print says 'Waived for accounts with standard pricing' — i.e., the fees are waived only for accounts already on the $500/month-minimum standard plan. This is a fee waiver inside a paid plan, NOT a standalone free offer, and is not targeted at students or startups.

Eligibility
Accounts on Moov's standard pricing plan (pay-as-you-go, $500 monthly minimum) only. No student or startup-specific eligibility; no .edu requirement.
How to claim
Nothing to claim separately: sign up, move to production, and select the standard fee plan; payment-link and receipt fees are then waived.
Expiry
Recurring with the standard plan; waiver lasts as long as the account is on standard pricing.
Gotchas
Do not mistake 'free payment links' for a free plan — the waiver is relative to a paid $500/mo minimum. Same-day ACH (40c), wallet (50c/mo) and card (Interchange++ + 0.60% + 15c) fees still apply on top of the minimum.
Source
moov.io

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