Moomoo Partners with Visa and Checkout.com for Real-Time Apple Pay and Google Pay Deposits

Moomoo has expanded its account funding capabilities through a collaboration with Visa and Checkout.com, enabling real-time deposits via Apple Pay and Google Pay. For fintech professionals, this move highlights the increasing convergence of digital wallets and retail brokerage, removing traditional banking hour limitations to facilitate immediate capital deployment across stocks, cryptocurrencies, and options.

What was announced

The expansion allows eligible Moomoo users to bypass the constraints of traditional bank transfers, which are often limited by business hours and multi-day settlement periods. By integrating Apple Pay and Google Pay, the platform provides 24/7 real-time access to capital, ensuring investors can react to market movements as they happen. The system leverages Visa’s global payments network and Checkout.com’s payment infrastructure to streamline the funding process through eligible debit cards linked to digital wallets.

Beyond simple funding, the platform is incentivising cash holdings for its user base. New users can earn a 3.6% APY on eligible uninvested cash, which is currently boosted to 8.1% APY for the first two months after activation. This cash position remains available for immediate investment while earning interest. The move complements Moomoo’s existing support for 24/5 trading of eligible U.S. stocks and ETFs, providing a more cohesive around-the-clock experience.

The collaboration follows a series of technical updates to the Moomoo platform designed to attract sophisticated traders. These include the integration of a Web3 wallet, agentic investing through Moomoo API Skills, and the introduction of prediction markets through a partnership with Kalshi. These features collectively target investors who require institutional-grade speed and a diverse range of asset classes, including cryptocurrencies and event contracts, within a single mobile interface.

"Investors expect the same speed and execution in their investing experience that they access through other market-leading digital products," said Neil McDonald, CEO of Moomoo U.S. "Expanding our funding capabilities through Visa and Checkout.com makes it easier for users to quickly move money into their Moomoo accounts when they are ready to invest. Combined with the expanded market access and AI-enhanced investing tools on the Moomoo platform, this collaboration marks a transformative step in giving investors greater control over how and when they put their money to work."

Neil McDonald, CEO of Moomoo U.S.

The companies involved

Moomoo is a global investment and trading platform that has been steadily increasing its footprint in the retail brokerage space by offering professional-grade tools to individual investors. While a relatively newer entrant compared to legacy players, it has focused on high-tech integrations and AI-enhanced tools to differentiate its service. Visa, a global leader in digital payments, provides the underlying network for these transactions. With over 700 mentions in FF News archives, Visa remains a central pillar of the global financial ecosystem, increasingly pivoting toward supporting real-time fund movements and stablecoin-linked services for both consumers and businesses.

Checkout.com acts as the technical bridge in this partnership, providing the payment infrastructure necessary for complex, high-speed financial environments. Based in London but with a significant global presence, Checkout.com has established itself as a preferred partner for fintechs and digital platforms requiring scalable, modular payment solutions. The company has been a frequent subject of FF News reporting, reflecting its role in the evolution of the "pay-in" and "pay-out" landscape for the modern digital economy.

What FF News has reported before

FF News has tracked the rapid expansion of these entities across the global financial landscape. Recently, we covered how Moomoo Partners with Crossover Markets to Deliver Institutional-Grade Crypto Execution to U.S. Retail Investors, a move that signaled the platform's serious intent in the digital asset space. Visa’s activities have been equally diverse; we reported on how Visa Becomes Official Global Supporter of AFC Champions League for 2026-2029 Cycle, highlighting its brand presence in Asia. On the technical front, Visa Data Reveals 200% Surge in Stablecoin-Linked Card Volume for Business Payments, underscoring the company’s push into next-generation payment rails and the broader adoption of digital assets.

What this means

This announcement signals a definitive shift in the retail brokerage sector, where the "funding gap"—the time between a user deciding to trade and having the capital available—is becoming a critical competitive battleground. By leveraging digital wallets like Apple Pay and Google Pay, Moomoo is effectively bypassing the friction of the traditional banking system. This puts significant pressure on legacy brokerages that still rely on multi-day ACH transfers. As markets move toward a 24/7 cycle, particularly with the rise of 24/5 equity trading and round-the-clock crypto markets, the ability to provide instantaneous liquidity is no longer a luxury but a baseline requirement for retaining active, sophisticated traders.