moat developer docs

Build payment integrations on moat's API. Accept cards, ACH, and digital wallets — with built-in surcharge support.

Get started in five minutes

Three steps to your first live transaction:

1. Grab your API keys from Settings → API Keys in your Control Panel.
2. Send a test charge against the sandbox using the /api/transaction endpoint.
3. Handle the response and move to production when you're ready.

Read the full Quickstart →

What are you building?

Pick the integration path that matches your use case:

Core APIs

Transactions

Process payments, capture authorizations, issue refunds, and query history.

Customer & recurring

Store payment credentials and bill customers on a schedule.

Other endpoints

Services & tools

Integration workflows

Step-by-step guides for common patterns:

E-commerce plugins

Pre-built integrations for popular platforms:

Testing

Sandbox environment

All development runs against the sandbox. It accepts the same requests as production but never moves real money. Use the test card numbers on the Test Data page to simulate approvals, declines, partial auths, and other scenarios.

A few test cards to start with

View the full test data reference →

Quick reference

Authentication

Every API request carries your secret key in the Authorization header:

-H "Authorization: YOUR_API_KEY"

Request format

• Content-Type: application/json
• Method: POST for create operations, GET for reads
• Amounts: always in cents — 1000 means $10.00

Response format

{
  "status": "success",
  "msg": "success",
  "data": { }
}

Common response codes

Full request & response documentation →

Need help?

• API errors: check the msg field on the response — it explains what went wrong.
• Integration questions: walk through the Workflows for the common patterns.
• Testing problems: confirm you're pointing at sandbox and using the documented test data.
• Account issues: reach support through your Control Panel.