There are multiple challenges to using the ACH system. Anyone sending ACH transfers needs to find a bank to originate transactions through. To do so, you’ll need to understand NACHA origination requirements, and learn to manage ACH returns and corrections.

On top of all of that, you’ll need to ensure you use the proper formatting and manage fraud. There are other things to consider as well, such as file formatting and responsibly managing your data storage.

It takes a great deal of time and thoughtful engineering work to set up a technology to originate ACH transactions. We streamline this process and make it easy for any developer to get started leveraging the ACH system, quickly.

There are two ways to make ACH transfers using Dwolla.

1. Send and receive ACH transfers programmatically

Using the Dwolla API you can easily send money to a bank account using our White Label ACH API. For example, to send money after you’ve created a user and added a funding source is as easy as designating the receiver in the API.


“accountNumber”: “073000228” ,

“routingNumber”: “1234567890123456” ,

“accountType”: “Checking” .

“name” : “Wells Fargo Business”


To get started with sending money with ACH in the API, check out our developer documentation.

2. Use our bramded servoces send ACH payouts without engineering time

By sending your customers to to make payments or by issuing payment requests on our website, they can quickly make bank funded payments and you’ll enjoy a zero fee per transaction.


There are a great deal of benefits to using ACH services from Dwolla.

We already have banks ready for you to use. There are multiple ACH origination banks in the Dwolla platform that come with our services. This way, you don’t have to spend months negotiating a third party ACH origination agreement and can get started quickly.

We handle file formatting. If you’re worried about trying to figure out the difference between CCD, PPD, or WEB formatting for your ACH file—we can help. We’ll take care of the formatting so you can concentrate on delighting your customers.

We help you manage returns and corrections. We’ve automated ACH returns and corrections so that when a return or correction occurs we simply update you of the change.

Dwolla maintains ACH status webhooks. If you’re using our white label ACH services, you benefit from real-time ACH transaction status updates just by listening to the webhook for changes.

0% per transaction fees. We offer ACH origination services for businesses and developers in the United States with no per transaction fee.

A proven ACH platform you can build on. Billions of dollars have been transacted using our technology and our customers include everyone from publicly traded companies to the US Federal Government.

Branded ACH transfers. If you’re using our white label services, your company's name will show up on your customer’s bank account statements. 

Get started today.

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Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.