We’ve built a easy to use money transfer API for moving funds between US bank accounts. The ACH system can be complex to build upon and navigate, but Dwolla has built a money transfer API that makes it easy for business and developers to get up and running with bank transfers that can be leveraged inside of their own applications, and alongside their existing technologies.

With Dwolla’s money transfer API, we’ve made it easy to send money to a customer, receive money from a customer, or facilitate transfers between customers.

Sending money to a customer

As a developer, you can choose which onboarding experience you’d like to support. Currently we offer a Dwolla-branded OAuth solution, as well as a custom white labeled solution.

Regardless of which option you implement, the first step will be to create recipients for your transfer, along with linking a funding source to each recipient to where the money will be sent. Dwolla’s branded experience will prompt your recipients for their bank or credit union account information, while the white label solution will allow your application to capture these fields to pass on to Dwolla for secure storage.

For more information on how to send funds to a customer, read the developer guide.

Receive money from a customer

Again, you will need to choose whether you’d like to keep Dwolla in the background with our white label solution, or offer a lightly Dwolla branded OAuth experience for your customers. Customers with the ability to send funds must be linked to a verified funding source.  

With the white labeled solution, you will be able to utilize dwolla.js to collect customer account and routing number or to embed an instant bank account verification experience into your platform. With the Dwolla-branded OAuth experience, the customer will be sent to Dwolla to provide and verify their banking information before being redirected back to your application.

For more information on how to receive funds from customers, read the developer guide.

Facilitate transfers between customers

The most common scenario for the need to facilitate transfers between customers is for marketplace transfers from buyer to vendor or peer-to-peer transfers.

When facilitating transfers for users, you’ll want to utilize the white label solution. Two customers will need to be created, and each will need to have a funding source linked. However, if the customer will only be receiving payments, they are not required to verify their funding source. If the customer will need to send payments, they will need to have a verified bank account.

For more information on how to transfer funds between customers, read the developer guide.

If you need to add ACH transfers to your platform or application, get started building in our sandbox environment. Ready to start building in production? Contact an integration specialist now.


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Financial institutions play an important role in our network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in our 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.