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Payment Methods

Standard ACH
Standard processing times.

Same Day ACH
Expedite your payments.

Instant Payments
Transfers in near real-time.


Digital Wallet
Initiate faster transactions by utilizing Dwolla's Digital Wallet to hold funds.

Dwolla Dashboard
Access and manage your payments data through the our user-friendly interface.

Real-time notifications.

Correlation IDs
Tracking transactions and reconciling bank records.

Addenda Records
Additional transaction information, like a note or memo.







Open Banking Services
Instant account verification, balance checks and fraud mitigation.

Digital interactions result in unique identifiers.

Bank Verification
Smoother, safer, more efficient transactions.

Secure Exchange Solution
Securely exchange data with trusted partners.


Sandbox Environment
Simulate use cases and try out features.

Dedicated Support
Supporting your payments journey.

Explaining an Addenda Record

Addenda records can be added to certain types of transactions within the ACH Network as a note or memo containing information about a specific payment.
A dashboard showcasing Notes.

Additional Transaction Information

An addenda record is a customizable field that allows the business initiating the payment to attach a note or memo to that payment. That data can take any form the business wants it to, but it is typically supplementary data and pertinent payment details that help with payment identification and reconciliation later on. Addenda records are also called ACH addenda records or Nacha addenda records.

Provide Additional Transaction Information
When doing hundreds or thousands of payments each week, including addenda information provides insight into a specific transaction.
Improve Record Keeping
Addenda information simplifies the reconciliation process for accounting and finance teams.
Increase Communication
Addenda records allow for both financial institutions involved in an ACH transaction to communicate addenda information.
“Because of Dwolla, we can make payments really easy for our clients.”
Marketplace CompanyDirector of Finance and Accounting

Leading Open Banking in North America

40+ Partners
20M+ End-Users
121M+ Annual Transaction Volumes
99.9% Uptime, 365 Days

Dwolla Connect

Dwolla Connect is a unified API solution across financial institutions and account-to-account payment methods and is designed specifically for mid- to enterprise-sized businesses with established payment operations. It empowers them to undergo a seamless digital transformation from outdated payment systems, manual processes, and file-based operations to fully streamlined, automated processes.


Talk to a Payments Expert