There are APIs abound for integrating credit card transactions into your platform or application, but what about an API for ACH transfers? Here’s what you should be looking for when determining if an ACH solution is right for you:


ACH transfers aren’t always a bed of roses, especially if you’ve explored building your own solution with a financial institution. What you save in a relatively low initial integration cost can add up in dedicating months of your time and energy to meeting all of the compliance requirements and building all of the processes necessary to pass any financial industry test.

That’s why many companies and developers are turning to software companies that have built and open sourced their own ACH APIs. These APIs allow you to tap into their network of experts and functionality in order to make ACH transfers work for you, in a way that fits with your business and customer needs.


If you have a well-established product, you’ve spent the time, money, and burned the brainpower growing your customer base and brand. You may be leery of introducing your customers to another platform to create another account for making or receiving payments via your app or site. A quality API allows for various customization options and control, and is adaptable for specific use cases and scenarios. The ability for an API to scale alongside your business—whether it’s on the front or backend of your product—can make for a winner.

Intuitive and complete documentation

Nothing is more irritating than searching an entire site or forum for what you need, bouncing between different tabs, and trying to piece together information. Software providers that have removed the busy work, and put in the time to accurately and simply document their APIs in a way that a developer would need to read it while coding alongside is invaluable.

Working examples

Finding a payments API with working examples of its integrations out in the wild is always attractive. The more variety of use cases, the better—these use cases demonstrate the possibilities after putting a little creativity into developing a tailored solution that works best for your unique needs.

Great support

When developing payments into your platform, there may be questions that you just need to float by someone that works on that API for a living. There’s great value in finding a service that is committed to getting you and your product to market before you rip every last hair out trying to Google the answer.

Are you looking for a better ACH solution? If so, we’d like to invite you to contact one of our integration specialists so we can introduce you to a solution that fits your needs. Or, take a tour of our developer portal, where we offer extensive API documentation, starter guides, and other resources to help you begin building.

Get started now.

Visit our developer portal. Contact an integration specialist.
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.