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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.

Streamline Your Payments with Dwolla's Unified API

Modernize your payments with Dwolla's single API. Enable secure pay by bank transactions and open banking all in one platform. Automate your payment operations, reduce costs and enhance security.
Modernize Your Payments
Unified API Feature

The Benefits of Dwolla’s Single API

Dwolla’s unified solution can help your business send and receive automated ACH payments and instant transfers in a faster, more secure and more efficient way. With payment automation and open banking through a single API, businesses can replace legacy technology, streamline operations and improve payment operations efficiency by over 800% compared to legacy transactions.

1
Simplified Integration
Dwolla simplifies payment solutions by offering open banking features and pay by bank through a single API and single vendor. This helps streamline implementation and facilitate digital transformation of their payment systems.
2
Reduced Costs

Dwolla's single API solution helps increase payment processing efficiency, leading to cost savings. By simplifying initial integration, ongoing maintenance, and future development, this solution can enhance overall operational agility and financial transparency, which also reduces costs.
3
Enhanced Security

Dwolla's tokenization technology replaces sensitive bank account information with secure tokens, helping reduce the risk of data exposure or breach. Learn more about Dwolla's security measures.
“The Dwolla API, Sandbox environment and API Documentation are some of the best I’ve seen.”
Real Estate IndustryChief Technology Officer

How Dwolla’s Unified API Works

Dwolla’s platform allows businesses to connect to any U.S. bank account for sending and receiving money. 

  • Our single API enables users to access ACH transfers, instant payments and open banking features.
  • Dwolla’s API-first approach is intuitive and easy to work with. Dwolla provides Software Development Kits (SDKs) in popular programming languages such as Python, Node.js and Ruby to simplify integration.
  • Dwolla offers dedicated support channels, including clear and concise developer documentation, an AI assistant and a support forum.
  • Developers can create a sandbox account in Dwolla’s fully simulated testing environment to imitate production use cases, safely test API calls and responses, and mock out low-volume and high-volume data in a controlled setting.
  • Dwolla Connect leverages existing banking relationships and commercial bank accounts to integrate modern payment processing.
  • Dwolla Balance, a digital wallet solution, allows users to hold funds and send, receive and facilitate transfers between users and their bank accounts.

Helping a Fintech Company Build Credit

Extra is a fintech company that issues debit cards to help users build credit. Their concept relies on credit purchases settling quickly to report to credit bureaus within a couple of days. To facilitate this, they needed a fast, reliable and secure way to move money. Extra chose Dwolla for its fast money movement and enhanced security features. Dwolla’s API uses encryption and tokenization to secure data exchanges between third-party providers, payment technologies, and financial institutions.

Extra Card Two Hands A

Protecting Real Estate Transactions From Fraud

A real estate company partnered with Dwolla to combat wire transfer fraud. Dwolla’s consultative approach to payments helped them replace wire transfers with faster pay by bank transfers. Dwolla’s team took the time to understand the company’s use case, benefits, concerns and the implementation process. The company’s Chief Revenue Officer says that Dwolla has been a game-changer for real estate.
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Automate your payments in as little as ten days.

Dwolla's full-service approach replaces legacy payments technology with a single solution, improving security, data visibility and the customer experience.

 

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