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Payment Methods

Standard ACH
Standard processing times.

Same Day ACH
Expedite your payments.

Instant Payments
Transfers in near real-time.


Digital Wallet
Initiate faster transactions by utilizing Dwolla's Digital Wallet to hold funds.

Dwolla Dashboard
Access and manage your payments data through the our user-friendly interface.

Real-time notifications.

Correlation IDs
Tracking transactions and reconciling bank records.

Addenda Records
Additional transaction information, like a note or memo.







Open Banking Services
Instant account verification, balance checks and fraud mitigation.

Digital interactions result in unique identifiers.

Bank Verification
Smoother, safer, more efficient transactions.

Secure Exchange Solution
Securely exchange data with trusted partners.


Sandbox Environment
Simulate use cases and try out features.

Dedicated Support
Supporting your payments journey.

Your unified pay by bank solution.

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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Trusted By

Powering Payments for Every Industry

  • Insurance
  • Lending
  • Real Estate
  • Healthcare
  • Manufacturing

Digital Payments for the Insurance Industry

Dwolla empowers insurance companies to eliminate the outdated payment systems and manual processes that negatively impact cash flow, payment predictability, payment security and policyholder experience.

Woman making a payment on her computer.


Faster Payments for the Lending Industry

Dwolla empowers lenders to eliminate the manual processes and outdated payment systems that negatively impact payment speed, efficiency and security, and borrower experience.


A group of people sitting at a table, 2 men are shaking hands.


Revolutionizing Real Estate Payments

Dwolla empowers real estate companies to eliminate the legacy technology and outdated payment systems that negatively impact payment speed, cost and security, and vendor and supplier relationships.


A row of Victorian style homes.


Secure, Online Payments for the Healthcare Industry

Dwolla empowers healthcare companies to eliminate the manual processes and outdated payment systems that negatively impact payment speed, security and patient experience.


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


Transforming Payments in Manufacturing

Dwolla empowers manufacturing companies to eliminate the manual processes and outdated payment systems that negatively impact payment speed, efficiency and security, and buyer-supplier relationships.




Leading Open Banking in North America

40+ Partners
20M+ End-Users
121M+ Annual Transaction Volumes
$50B+ Annual Transactions

Integrate pay by bank payments in as little as ten days.

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Single API
Dwolla’s single solution can improve payment operations efficiency by over 800%.
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Cost Savings
Dwolla’s solution can save businesses up to 92% in payment processing costs when compared to legacy payments, like credit cards and paper checks.
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Seamless Bank Integration
Dwolla streamlines integrations across payment methods and financial institutions to simplify initial integration, ongoing maintenance and future development.
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Enterprise Grade Security
Protect your sensitive data with Dwolla’s variety of security measures, including encryption and tokenization. 

Ready to get started?

Schedule a consultation with our team.

“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."


“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.”


“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

Customizable Solutions

Dwolla offers a variety of customizable solutions to meet the specific needs of businesses looking to digitally transform their payments. Control your customer experience by integrating our white-label API directly into your application or product offering.

  • Bank Agnostic
  • White-Label
  • Scalable

Instant Payments

Instant Payments with Dwolla clear and settle almost immediately. Access the RTP® Network or the FedNow® Service with Dwolla’s payment technology and turn your company into an instant payments organization.

  • Send Funds in Real Time
  • Improve Payment Transparency
  • Initiate RTP or FedNow Transfers From Your Existing Bank

Open Banking Services

Traditionally, navigating the complexities of A2A payments has been a challenge for businesses, often requiring multiple vendors, APIs and technical integrations. Dwolla enables enterprises to digitally transform their payments by offering a comprehensive, modern solution encompassing instant account verification, balance checks, fraud mitigation and A2A transfers through a unified integration with industry leaders:

  • Visa
  • MX

“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 SummerlinCo-Founder and CEO, Extra

“Dwolla’s clean API documentation really supported our business as we determined the best product market fit. It was very flexible, had clean code and you know the people behind it really care about efficiency and performance.”

InsuranceCo-Founder and CEO

“Dwolla is continuing to evolve and build out its products based on feedback and customer needs, which is huge for us. You’re not stale, you are continually moving forward and doing a great job in the market. Having you as part of our platform provides credibility.”

Real EstateCo-Founder and CTO

“What distinguished Dwolla was the heavy emphasis on compliance and the overall polish around the White Label aspect of the business. The API was clean, it was easy to understand and we were up and running very quickly compared to some of the other vendors."


Innovations, Ideas and New Payment Possibilities

From best practices to bold ideas, see how Dwolla and our customers uncover solutions using account-to-account payment technology.


Talk to an Expert

Let's build something innovative together.