Dwolla Platform Features

The core building blocks to program payments within your software application.

Platform Cornerstones

Bank Agnostic

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.

Branded Experience

Maintain your branding and control your user experience while leveraging our robust payments technology.

Configurable API

Build a payments experience tailored to your business and customer needs.

Scalable Infrastructure

A tested platform that is highly available and scalable to grow with your increasing business needs.


Interactions result in unique identifiers instead of transmitting sensitive data.

Funds Flows


Send funds to your users.


Collect funds from your users.


Move funds between two users.


Move funds between two accounts owned by the same user.


Utilize a combination of two, three or all funds flows to meet the payments needs of your users.

Transfer Types

Standard ACH

Move funds in and out of external bank accounts, using standard ACH processing times.

Balance-to-Balance Transfers

Move funds instantly between two users in your application.

Contract Required

Next Day ACH

Speed up your transfers with next day availability.

Contract Required

Same Day ACH

Expedite your payments with same day ACH timing.

Contract Required


Send money to a debit card to increase the availability and speed of payments to your users.

Contract Required


Enable incoming and outgoing real-time wire transfers.

Customer Types

Verified Customer

Allow a user to send, receive and hold a balance on your application.

Unverified Customer

Enable a user to send or receive funds with only a name and email address.

Receive Only User

Enable a user to receive funds with only a name and email address.

Platform Features

Contract Required

Addenda Records

Add payment-related details to an ACH transfer with specific, customizable transaction information.

Automated Notifications

Different customer types and markets require different messaging requirements. We’ve standardized nearly 40 of them.

Digital Wallet Functionality

Each client account and Verified Customer is designated a balance to hold funds within your application.

Bank Verification

Verify any U.S. bank or credit union account with Instant Account Verification or micro-deposits.

Community Forum

Communicate with developers by asking questions or reviewing FAQs that have already been asked and answered.

Contract Required

Customized Notifications

Build your own custom, branded notifications to reach your customers.

Contract Required

Custom Transfer Limits

Work with us to increase your transaction limits to fit your business needs.

Contract Required

Custom Feature Development

Engage the Dwolla team for expanded integration services and feature development.

Contract Required

Debit Card Verification

Securely add and instantly verify a domestic debit card to accept online payments.

Contract Required

Dedicated Chat Support

Subscription clients receive private chat channel support to assist with their integration.

Contract Required

Dedicated Support Team

Access to a dedicated account representative and developer support. Need assistance with correcting a return or verifying an end user’s identity? Our team is ready to help.

Integrated Partner Functionality

All client applications have the ability to authenticate third parties to share or access data through OAuth.

Mass Payments

Send thousands of payments at once from your bank or balance with one easy-to-use API endpoint.

On-Demand Transfers

Ask your user to attach their bank account, verify the routing information and request authorization to debit the account.

Sandbox Environment

Build your integration in our sandbox test environment.

Contract Required

Sub Ledger Tracking

Designate and track a subset of a Verified Customer’s balance.


Webhook notifications keep you informed of all activity on your application.

A Friendly Ecosystem

Dwolla’s platform functionality enables programmable payments and many of your businesses go beyond that. Our ecosystem is designed to connect you with partners and additional functionality that is already used to working with a tech stack like yours.
Learn More