Skip to content
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.

The payments operations layer for bank transfers.

One integration across ACH and real-time rails. Consistent status, exception handling, and reporting at scale, so your team ships faster and operates payments predictably.

Home-4

Trusted by platforms and enterprises running high-volume bank payments.

Built for platforms and enterprises running high-volume bank payments.

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
Integrate once across ACH, Same Day ACH, and real-time rails. Add payment speeds without adding vendors or rebuilding logic.
Dark Orange (2)
Consistent Operational Behavior
Standardized statuses, error handling, and recovery workflows across every rail. Fewer exceptions, less troubleshooting.
Dark Orange (3)
Control at Transaction Scale
Visibility into every payment outcome with controls built for high-volume operations, governance, and risk management.
token-exchange_icon-Dark Orange
Ship Faster, Maintain Less
Dwolla owns the payments layer. Your product teams focus on the roadmap, not payment infrastructure 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.

Real Estate

120,000+ earnest money deposits. Zero fraud.

$700M through the platform with traceable outcomes and operational clarity.

Read the Story →

B2B Fintech

70% less time on bookkeeping. 30% cost savings.

One AP platform reduced reconciliation burden and cut transaction costs with Dwolla.

Read the Story →

Fintech

Customers increased credit scores by 48 points.

A credit-building platform used Dwolla to power the funds flow behind their core product.

Read the Story →

What our customers say.

Real estate platforms reducing fraud exposure. Lending platforms detecting failures earlier. One AP platform reported 70% less time on bookkeeping. Here is 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.

Access the RTP® Network and FedNow® Service through your existing bank relationship. Get consistent payment status tracking across rails. Deliver faster settlements with real-time confirmation.

Real Time Payments Graphic

Built to protect high-stakes money movement.

Dwolla replaces sensitive account details with non-decipherable tokens so that information is not 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.

Secure Exchange Solution Graphic
cta-image

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.

The Payments Operations Layer

One integration for ACH & real-time bank payments

Operate bank payments at scale without building the infrastructure. Consistent status, exception handling and reporting across rails, so your team ships faster.

Trusted by platforms and enterprises running high-volume bank payments
MoneyGram Logo Visa Logo Routable Logo Plaid Logo Zip Logo Finicity Mastercard Logo
$82B+
Annual transaction value
126M+
Annual transactions
99.9%
Platform uptime
16+
Years of payments expertise

One integration. Fewer payment fire drills.

Most teams don't need more payment features. They need fewer moving parts.

Unified Bank Payments

One integration across ACH variants and real-time rails. Less vendor sprawl, less duplicated logic, and a single operational model as your requirements grow.

Consistent Behavior Across Rails

Standardized statuses, errors and recovery workflows across every rail. Fewer exceptions and less rail-by-rail troubleshooting for your operations team.

Control at Transaction Scale

Visibility and controls that support high-volume operations, governance and risk management. Know what happened, when and why.

Ship Faster, Maintain Less

Dwolla owns the payments layer so your product team focuses on the roadmap. Add new rails or payment speeds without multiplying vendors or operational complexity.

From first payment to full-scale operations

One integration. Four steps. Your team is up and running without building payments infrastructure from scratch.

1

Connect

Integrate once with the Dwolla API. Your team chooses which payment speeds to support: standard, same-day or real-time.

2

Route

Your application specifies the payment speed in the API call. Dwolla handles the rail selection and routing, directing real-time transfers to the RTP® Network or FedNow® Service based on recipient bank capabilities.

3

Track

Every payment has a consistent status, regardless of rail. Your team sees the same clear updates whether a transfer takes seconds or days.

4

Resolve

When something goes wrong, Dwolla standardizes exception handling so your operations team can identify and respond faster, with less manual work.

See how teams in your industry use Dwolla

Every vertical has different payment stakes. We built for the specifics, not the average.

Real Estate

Move High-Stakes Funds With Traceable Outcomes

Modernize deposit collection and disbursement with bank transfers that are trackable and easier to control. Clear payment status records that teams rely on for release decisions and customer support.

Explore Real Estate
Lending & BNPL

Detect Failures Earlier, Reduce Returns at Scale

Standardized payment status and exception handling so your team can detect failures earlier, reduce returns and scale with fewer surprises, while supporting ACH and real-time options as needed.

Explore Lending
B2B Fintech

Clean Reconciliation, Fewer Exceptions at Volume

Run large volumes with clean reconciliation and fewer exceptions, so payments don't become an operational bottleneck as your platform grows.

Explore B2B Fintech

Payments you can track, explain & trust

Real results from teams that run bank payments through Dwolla.

$700M+
Through the platform with traceable outcomes and 120,000+ earnest money deposits with reduced fraud exposure.
Read the story
70% less
Time spent on bookkeeping for one AP platform, alongside 30% savings on transaction costs.
Read the story
48 points
Average credit score increase for customers of a credit-building fintech using Dwolla for consistent, reliable disbursements.
Read the story

How platforms use Dwolla to move money

A property management platform powered by Dwolla. Two workflows, one integration.

6:06
MOVE-OUT INSPECTION
Unit 4B
MS
Maria Santiago
Move-out: 03/15/2026
Lease Start
04/01/2024
Security Deposit
$1,800.00
DEPOSIT REMAINING
of $1,800.00
$1,650.00
INSPECTION CHECKLIST
Living Room1 Issue
Wall Damage
Minor scuff marks near entry
-$150
Kitchen0 Issues
Bathroom0 Issues
RELEASE DEPOSIT
Unit 4B
MS
Maria Santiago
Move-out: 03/15/2026
REFUND AMOUNT
of $1,800.00
$1,650.00
Bank Account
State Capital Regional Bank
Account: ********4567
Payment Speed
Standard ACH3-5 days
Same Day ACHSame day
Real-Time (RTP)Seconds
Note
Security deposit refund - Unit 4B
MOVE-OUT INSPECTION
Unit 4B
Deposit Refunded
The security deposit has been sent to the tenant via RTP.
MS
Maria Santiago
Move-out: 03/15/2026
DEPOSIT REFUNDED
$1,650.00
Transaction Details
Original Deposit$1,800.00
Total Deductions-$150.00
Amount Refunded$1,650.00
SpeedRTP (Real-Time)
StatusCompleted
PAY RENT
Tenant Portal
JR
James Rivera
Unit 12A
RENT DUE
Due April 1, 2026
$2,200.00
Pay From
First National Bank
Checking ********8901
Payment Method
ACH (Free)3-5 days
Same Day ACH$2.50 fee
Auto-Pay
Pay on the 1st of each month
PAYMENT STATUS
Unit 12A
APRIL RENT
$2,200.00
Payment Initiated Mar 31, 2026 at 11:42 AM
Bank Verification Account verified via open banking
ACH Processing Payment is being processed
Funds Settled Estimated: Apr 3, 2026
WEBHOOK EVENT
transfer_processing Real-time status via Dwolla webhooks
PAYMENT STATUS
Unit 12A
Rent Payment Complete
Funds have settled to the property manager's account.
Transaction Summary
TenantJames Rivera
Unit12A
Amount$2,200.00
MethodStandard ACH
InitiatedMar 31, 2026
SettledApr 3, 2026
StatusCompleted
WEBHOOK EVENT
transfer_completed Your system is notified the moment funds settle

Run the Move-Out Inspection

The property manager walks the unit, logs any damage, and the platform automatically calculates deductions against the deposit. No spreadsheets, no manual math.

Automated deductions Damage costs deduct from the deposit balance in real time as the inspection happens.
Faster turnaround Many states require deposit returns within 14-30 days. This workflow keeps property managers on track.

Choose the Payment Speed

With one integration, the platform offers tenants multiple payment speeds. Standard ACH, Same Day ACH, or real-time payments that arrive in seconds.

One API, multiple rails Switch between ACH and real-time rails without changing your integration. Dwolla handles the routing.
Verified bank accounts Open banking verification confirms the tenant's bank account before the refund is initiated.

Deposit Returned in Seconds

The tenant receives their refund via RTP. The property manager has a full audit trail: deductions, payment method, timestamps, and status.

Full audit trail Every step is tracked: inspection results, deduction amounts, payment speed, bank details, and final status.
Webhook-driven Your platform receives real-time status updates. No polling, no manual checks.

Tenant Pays Rent via Bank Transfer

The tenant selects their payment method and amount directly in the platform. Auto-pay handles recurring payments without the property manager lifting a finger.

Embedded payment experience Tenants pay within your platform. No redirects to third-party payment pages.
Recurring payments Auto-pay reduces late payments. The platform schedules ACH debits on a cadence you define.

Track Payment Status in Real Time

From initiation to settlement, every payment status is visible. Dwolla's webhooks push updates to your platform so property managers always know where the money is.

Consistent status reporting ACH and real-time payments report through the same status model. One integration, one set of events.
Webhook events Your system reacts to transfer_created, transfer_processing, and transfer_completed events automatically.

Funds Settle to the Property Manager

The rent payment completes and funds land in the property manager's account. The full transaction history is available for reconciliation and reporting.

Automated reconciliation Correlation IDs link every payment to the right tenant, unit, and lease. No manual matching.
Dashboard visibility Property managers see all payments, statuses, and exceptions in the Dwolla dashboard or via API.
Tap the dots or swipe to explore each step

Beyond the user-friendly API and competitive pricing, we trusted in the people behind the solution.

CEO & Founder · Financial Services

See all customer stories

Go live faster with a team behind your integration

Detailed developer docs, dedicated support and an integration team that helps you onboard faster and avoid getting stuck when real-world edge cases show up.

POST /transfers
// Initiate an instant bank payment
// Dwolla routes to RTP or FedNow automatically

{
  "_links": {
    "source": {
      "href": "https://api.dwolla.com/funding-sources/{id}"
    },
    "destination": {
      "href": "https://api.dwolla.com/funding-sources/{id}"
    }
  },
  "amount": {
    "currency": "USD",
    "value": "5000.00"
  },
  "processingChannel": {
    "destination": "instant"
  },
  "instantDetails": {
    "destination": {
      "remittanceData": "INV-2026-0847"
    }
  }
}

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.

Schedule a Meeting