Control Your Brand & Experience
Program payments into your application with our robust API and keep control of the user experience.
Our platform works with all U.S. banks and credit unions. There’s no need to change your primary banking relationship to work with us.
Send funds to users within your software application or directly to their bank account.
Program the collection of funds on a one-time or recurring basis.
Move money between two end user accounts—or bank accounts—without ever coming into ownership of the funds.
Automate the movement of money between two bank accounts owned by a single end user (ideal for savings applications).
Native support for standard ACH transactions, all associated returns and corrections.
Transfer funds between Verified Customer balances in real-time.
Next Day ACH
Enable next day ACH transactions, all associated returns and corrections.
Same Day ACH
Enable same day ACH transactions.
Enable incoming and outgoing recurring wire transfers.
Push to Debit
Push funds to bank accounts through debit cards 24/7.
Real-Time Payments (RTP)
Enable transactions through The Clearing House Real Time Payments system.
Open verified accounts for individuals, businesses, government entities (standard), banks or credit unions (subscription) that hold a balance on the platform.
Generate accounts to enable quickly sending money to an existing U.S. bank or credit union account. Ensure disbursements on your platform are frictionless.
Authentication from an end user allows sending and receiving money from a bank account.
Each account comes with a Master Balance owned by the application owner, which funds can be sent from or collected into.
Manage a Platform Balance
Whether it’s for yourself or your end users, the Dwolla platform supports holding a balance associated with Verified Customer accounts or the Master Balance.
Send thousands of payments at once from your bank or your Master Balance with one easy-to-use API endpoint.
Build and emulate test transactions in our sandbox using our SDKs.
Massively Scalable Infrastructure
High uptime, HATEOAS APIs, asynchronous support with idempotency keys and performant webhooks to automate with.
Different customer types and markets require different messaging requirements. We’ve standardized nearly 40 of them.
No Limit of Transactions
Hundreds, thousands, millions of transactions? No problem. Our platform doesn’t limit the number of transactions you initiate.
Branding on Bank Line Item
When your application sends or collects money from an end user, your company name displays on the bank transaction so your customer knows who they are transacting with.
Bank Verification via IAV
Instant account validation with U.S. banks and credit unions is built in. Dwolla.js enables you to validate bank accounts instantly.
Bank Verification via Micro Deposit
If your client banks at a smaller FI or doesn’t want to use instant verification, micro deposits are supported natively at no additional cost.
Instant 24/7 Identity Verification
Open accounts on the platform 24/7.
Say goodbye to batch files. ACH returns are entirely automated and updates are posted to the relevant webhooks. Return codes are automatically attached to the corresponding transfer and returned via API to be shown in the dashboard.
We consume and automate bank transfer detail updates when corrections are recorded. Details are returned via API and via a webhook to notify you.
Webhooks and individual transaction statuses keep you informed during all states of a transfer. No more guessing after you upload the batch file.
Every transfer utilizes the Automated Clearing House (ACH Network), which generates a unique reference number we call a Trace ID. This ID can be used to “trace” funds and see where they are at any given banking institution.
The Correlation ID value can be specified on API requests to create a Dwolla Transfer or Customer resource. Whether you use this optional parameter to correlate internal transfers, order confirmation numbers, business IDs, or even a timestamp—its simplicity provides a lot of power.
Tokenization From Top to Bottom
When creating accounts or transfers, interactions result in unique identifiers that can be referenced later via the API instead of potentially exposing PII.
Global SSN Protection
Once an identity is known to be bad, it is marked platform-wide to support any fraud program you create.
Global Account Protection
Similar to TIN information, if an account is known to have engaged in bad activity on any application, we can help you protect others to support your own fraud program.
Prebuilt with Regulated FI Partners
When you begin programming payments with Dwolla, you’re building with vetted and regulated financial institution (FI) partners. No need to go negotiate separately with a bank or anywhere else.
No Personal Guarantee
Building a business is hard enough as is. Unlike other payment providers, we don’t require personal guarantees.
Control the flow of your payments with a simple-to-use interface, no building required.
Filter recent account creations, transactions and monitor trends through automatically populated charts.
View customer verification statuses and manage your users’ payment information.
Customer Transaction History
A consolidated and searchable view of transaction history across your application.
Give your team the ability to manage webhook history from the dashboard.
API / Application Management
Create and submit production applications in the dashboard.
After an account is created by your end customer, initiate transfers to and from customer records in the dashboard.
Master Balance Management
Your account admin can manage Master Balance funding sources, billing source and balance from the dashboard.
Manage team member access and privileges to your account.
Easily exportable in CSV or XLSX.
Multiple SEC Codes
Leverage multiple SEC codes like CCD to enable large business-to-business transfers within your application.
Add payment-related details to an invoice with specific, customizable transaction information.
Guaranteed uptime for your business.
No Balance Verified Customer Accounts
Create verified customers that do not have the ability to hold a balance.
Bank or Credit Union Verified Customers
We can work with you to onboard regulated financial institutions as verified customers.
Static FBO Instance
Segmented account instances specific to your funds flow or business needs with routing and account numbers.
Balance Account Numbers
Generate an account number and routing number coordinated with the Master Balance or Verified Customer accounts, enabling them to receive ACH credits from outside of the Dwolla Platform.
Self Branded Notifications
Brand transaction emails and notifications with your look. Control the message and the brand from top to bottom.
Increased Transaction Limits
Work with us to increase your transaction limit on an as-needed basis.
Additional Funding Sources
Each customer supports two funding sources by default. More can be added by upgrading your plan.
Dedicated Account Representative
Subscription clients receive a private Slack channel with a dedicated account representative. Need assistance with correcting a return or verifying an end user’s identity? Our team is ready to help.
Dedicated Integration Support
Subscription clients receive private Slack channel support to assist with their integration.
Multiple Verified Customer Bank Line Item Branding
Support for multiple custom bank line item branding names. This functionality enables a verified customer account holder’s name to show up on a end users bank line item rather than the application owner.
24/7 Knowledge Based Assessment
Knowledge based assessment questions run 24/7 when opening Verified Customer accounts to save you time.
24/7 Document Verification
If you need to acquire a copy of a physical document for your validation process, our systems are automated to support verification 24/7.
Expanded SFTP Statements
Need custom statements delivered via SSH File Transfer Protocol (SFTP) to ingest into your enterprise? We can help with that.
Expended integration services and feature development are available to contracted clients.
Real-time subaccounting at scale that allows you to allocate funds to usage, instances, sessions or just about anything else.
Absolute Value Labels
Our labels functionality has the ability to positively or negatively show account balances associated with Verified Customer balances.
Gain access to Dwolla’s third-party attested 2019 SOC 2 Type II report to validate your confidence in the platform.
Run Your Own CIP Bypass Program
If you’re a mature fintech or a financial institution, our platform can directly support your existing CIP program after an approval process.
Authorize a bank account to debit at a later point in time for subscription payments or recurring on-demand billing.
Money Services Business Support
Either as a client or as an end user, upgraded accounts can support approved Money Services Businesses.
Unverified Customer to Verified Customer to Unverified Customer Automation
(MSB) and (FI) application owners can automate the movement of money between two unverified customers through an authorized verified customer.
In association with a funding contract to guarantee balances in your application, support can be provided for negative balances.
General Ledger Support
Restricts an account type to interacting with any account that’s not designated a General Ledger account type at the funding source financial institution.
Loan Account Type Support
Restricts an account type to interacting with any account that is not designated a loan account type at the funding source financial institution.
Time Bound Transaction Limits
Weekly transaction limits can be applied programmatically to unverified customers to match any internal requirements at your business.
No Email Account Creation
You may have pre-existing programs set up to deliver notifications to end users via various channels. Through an approval process, you can apply to bypass email requirements during account creation.
Bring Your Own Bank
Do you have 1M+ transactions per month and want to bring your own bank into the Dwolla Platform for money movement? We offer a custom integration path for you.
Regulated Entity Support
We can help financial institutions use our programmable payments platform.
Custom Third Party Integration Support
All application owners have the ability to authenticate third parties to share or access transaction data through OAuth.
Integrations built for Dwolla work without using additional development resources.
With Dwolla and Plaid, users verify their bank accounts in seconds with a mobile-friendly flow optimized for conversion.
Sync application webhooks with your team’s Slack workspace to get instant updates.
Authenticate QuickBooks to streamline reconciliation and other accounting activities.
Enable real-time risk scoring directly with Sift’s state-of-the-art machine learning platform.
Issue digital or physical cards in partnership with Apto. Apto’s prebuilt Dwolla integration enables instant transfer functionality with cards accepted at retail locations around the world.