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PAY BY BANK

Instant Payments
Send funds instantly via the RTP® Network and FedNow® Service.

Same Day ACH
Move money faster with same-day bank transfers.

Standard ACH
Reliable, low-cost bank transfers at standard processing times.

 

 

 
FEATURES

Unified API
One integration across ACH and real-time rails — less to build, less to maintain.

Automated Payments
Reduce manual workflows and exceptions with automated bank transfers.

Mass Pay
Disburse to thousands of recipients with a single API request.

Open Banking Services
Verify accounts instantly, check balances, and reduce fraud exposure.

Digital Wallet
Hold funds on-platform to initiate faster, more flexible transfers.

 

 

Data Visibility
Track, reconcile, and report on payment activity across all rails.

Security
Tokenization, bank verification, and 24/7 monitoring for high-stakes money movement.

Integration
Go live faster with robust developer docs and a dedicated integration team.

Sandbox Environment
Test payment flows and edge cases before you go live.

Dedicated Support
Expert support from onboarding through scale — real people when it matters.

SOLUTIONS

Enterprise
Hold and move funds with an embedded digital wallet.

Balance
Hold and move funds with an embedded digital wallet.

Connect
Integrate Dwolla with your existing banking relationship.

 
USE CASES

B2B Payments
Move large payment volumes with clean reconciliation and fewer exceptions.

Marketplaces
Pay out sellers and vendors reliably at scale.

Property Management
Automate rent, deposits, refunds, and owner payouts.

Unload/Load Digital Wallet
Move funds on and off your platform with a single integration.

Payouts
Pay out funds quickly and securely

AP/AR Payments
Reduce manual AP/AR workflows and reconciliation overhead.

Buy Now, Pay Later (BNPL)
Support installment disbursements and repayments with standardized exception handling.

INDUSTRIES

Insurance
Automate reimbursements and disbursements with traceable, predictable outcomes.

Real Estate
Move high-stakes funds with the operational clarity and fraud controls real estate demands.

Lending
Standardize disbursements and repayments across ACH and real-time rails.

Healthcare
Modernize bank transfers for billing, claims, and provider payouts.

Manufacturing
Move supplier and vendor payments with less manual overhead and better visibility.

Move money like a fintech—without becoming one.

One integration across ACH and real-time rails. Standardized status, exception handling, and reporting. So your team ships faster and runs payments without the operational drag.

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Trusted infrastructure with 16+ years of payments expertise.

Built for platforms and enterprises that embed payments into their product.

Dwolla helps real estate platforms move high-stakes funds with traceable outcomes and operational clarity, so teams can reduce fraud exposure, resolve exceptions faster, and operate with confidence when timing and confirmation matter.

 

A row of Victorian style homes.

 

As lenders push faster disbursements and repayments, unclear signals and exceptions create uncertainty. Dwolla standardizes payment status and exception handling so teams can detect failures earlier, reduce returns, and scale with fewer surprises—while supporting ACH and real-time options as needed.

 

A group of business individuals shaking and with charts on the table.

 

B2B platforms processing high volumes of payments face a growing burden: manual reconciliation, multiple vendor integrations, and payment logic that multiplies every time requirements change. Dwolla unifies ACH and real-time rails into a single integration so teams can reduce overhead and focus on growth.

 

Woman sitting at a computer.

 

Paper checks and file-based transactions slow claims, increase friction, and expose insurers to operational risk. Dwolla helps insurance platforms automate disbursements and collections with consistent status reporting and controls that hold up at scale.

 

Three people sitting at a table shaking hands.

 

Healthcare payment flows are complex — multiple parties, delayed settlements, and reconciliation overhead. Dwolla helps healthcare platforms modernize bank transfers with standardized status, exception handling, and reporting that reduces manual intervention.

 

 

 

Proven at scale.

25M+ End-Users
126M+ Annual Transaction Volumes
$82B+ Annual Transactions
99.9% Platform Uptime

One integration. Fewer payment fire drills.

Dark Orange (1)
Unified bank payments
One integration across rails means less vendor sprawl and less duplicated logic.
Dark Orange (2)
Consistent operational behavior across rails
Standardized statuses, errors, and recovery workflows result in fewer exceptions and less “rail-by-rail” troubleshooting.
Dark Orange (3)
Control and confidence at transaction scale
Visibility and controls that support high-volume operations, governance, and risk management.
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Reduced integration effort and ongoing maintenance
Dwolla owns the payments layer, so Product teams can focus on the roadmap and not payment upkeep.

Payments you can track, explain, and trust.

See how platforms and enterprises use Dwolla to reduce operational overhead and ship payment-dependent features faster.

What it looks like when payments work.

Real estate platforms eliminating fraud exposure. Lending platforms reducing return rates. B2B platforms cutting reconciliation overhead by 70%. Here's what our customers say.
“Beyond the user-friendly API and competitive pricing of Dwolla’s solution, we also turned to them because we trusted in the people behind the solution." - Cyrus Summerlin
Financial ServicesCEO and Founder

“Our return on investment was almost immediate. We were able to get up and running in no time with Dwolla’s straightforward API. Dwolla’s flexible options such as Same Day ACH gave us the flexibility our customers demand."

TransportationCEO

“The time savings component is huge for us, as we would have had to hire an additional employee to support our previous payment processes. Dwolla saves us time and provides us with great customer service and responses on the same day. When dealing with service providers—that’s rare.”

InsuranceSenior Controller

“We wanted to capture the speed of money movement today, and Dwolla’s solution is the core piece that helped us digitally transform our funds flow that powers the whole process that makes our product work.”

FintechCo-Founder

“Dwolla’s customer service and the ability to get a response from a human being quickly has made our business thrive. The fast turnaround of customer support is the reason we think Dwolla is the backbone of our company.”

Real EstateCTO
"Compared to other unions that had to find a new form of collecting payment dues and convert their membership to a new system, we have outpaced any other state in the history of these legal changes, and we are the largest state to do it. Of all the states that faced this challenge, nobody got as far as we did as fast as we did, thanks to leveraging the Dwolla payment solution.” - Anthony Roeder
EducationDirector of Information Technology

Ship payment-dependent features without rebuilding the infrastructure.

Most teams don't need more payment features — they need fewer moving parts. Dwolla's unified API handles ACH, Same Day ACH, and real-time rails so your engineering team integrates once and adds capabilities without adding vendors.

Branded Application on a Phone

Real-time payments that meet modern expectations.

Payout expectations have changed. Dwolla gives your platform access to the RTP® Network (operated by The Clearing House) and the FedNow® Service (operated by the Federal Reserve) — with consistent status tracking and confirmation — so you can deliver faster settlements without stitching together new integrations.

  • Send Real-Time Payments
  • Improve Payment Transparency
  • Initiate RTP® and FedNow® Transfers From Your Existing Bank
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Built to protect high-stakes money movement.

Dwolla protects sensitive financial data through tokenization — replacing account details with non-decipherable tokens — so that information is never exposed across your payment flows. Combined with instant bank verification and 24/7 platform monitoring, you get the security posture that high-stakes money movement demands.

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Predictable payment outcomes at scale.

From first call to go-live — guided implementation, not guesswork. Talk to a payments expert and see how Dwolla fits your stack.