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PAY BY BANK

Instant Payments
Send funds instantly via the RTP® Network and FedNow® Service.

Same Day ACH
Move money faster with same-day bank transfers.

Standard ACH
Reliable, low-cost bank transfers at standard processing times.

 

 

 
FEATURES

Unified API
One integration across ACH and real-time rails — less to build, less to maintain.

Automated Payments
Reduce manual workflows and exceptions with automated bank transfers.

Mass Pay
Disburse to thousands of recipients with a single API request.

Open Banking Services
Verify accounts instantly, check balances, and reduce fraud exposure.

Digital Wallet
Hold funds on-platform to initiate faster, more flexible transfers.

 

 

Data Visibility
Track, reconcile, and report on payment activity across all rails.

Security
Tokenization, bank verification, and 24/7 monitoring for high-stakes money movement.

Integration
Go live faster with robust developer docs and a dedicated integration team.

Sandbox Environment
Test payment flows and edge cases before you go live.

Dedicated Support
Expert support from onboarding through scale — real people when it matters.

SOLUTIONS

Enterprise
Hold and move funds with an embedded digital wallet.

Balance
Hold and move funds with an embedded digital wallet.

Connect
Integrate Dwolla with your existing banking relationship.

 
USE CASES

B2B Payments
Move large payment volumes with clean reconciliation and fewer exceptions.

Marketplaces
Pay out sellers and vendors reliably at scale.

Property Management
Automate rent, deposits, refunds, and owner payouts.

Unload/Load Digital Wallet
Move funds on and off your platform with a single integration.

Payouts
Pay out funds quickly and securely

AP/AR Payments
Reduce manual AP/AR workflows and reconciliation overhead.

Buy Now, Pay Later (BNPL)
Support installment disbursements and repayments with standardized exception handling.

INDUSTRIES

Insurance
Automate reimbursements and disbursements with traceable, predictable outcomes.

Real Estate
Move high-stakes funds with the operational clarity and fraud controls real estate demands.

Lending
Standardize disbursements and repayments across ACH and real-time rails.

Healthcare
Modernize bank transfers for billing, claims, and provider payouts.

Manufacturing
Move supplier and vendor payments with less manual overhead and better visibility.

Decrease Developer Overhead

Complete a payment integration more quickly using pre-built components. Each of Dwolla’s Drop-in components reduce hundreds of lines of code and requires minimal development to maintain.
Drop-in-components-2

The Benefits of Drop-In Components

For any engineering team, integrating with a new API can be a challenge. Not only do you have to learn the ins and outs of the API with which you’re integrating, but you also have to worry about creating a great user experience. Often, payments are not core to your business, and you likely just want to integrate as quickly as possible so that you are free to focus on the core functionality of your application.

We have always operated under the belief that moving money should be fast and easy.
Unfortunately, the development process rarely is.

With Dwolla’s Drop-in components, we’re changing that.

Drop-in Components make integrating with Dwolla’s payment API as simple and fast as moving money with it. These pre-built UI components let us handle the minutiae of the payments experience while you focus on building your application.

To accomplish that, we’ve worked tirelessly so that these low-code components can be nearly copy and pasted into your solution. Each component includes HTML, CSS and JavaScript that developers can drop-in and customize to fit the look and feel of their application.

Document Upload

Style a front-end UI that your customer will use to upload and send a document to Dwolla for use in identity verification. 

Display a Verified Customer’s Balance
Accounts that complete KYC verification can display the balance dollar amount held within their digital wallet, if you offer that functionality through Dwolla.
Create Beneficial Owners

During business verification, a beneficial owner is any individual that, directly or indirectly, owns or controls 25% or more of a company. Due to U.S. regulations, each business verified customer is required to disclose its beneficial owners before the account can be verified.

Embed Pay-in Funds Flow

The transfer from a customer funding source to your own is the final piece to completing your funds flow.

“It was easy to integrate our API with the Dwolla API. The documentation was straightforward and super easy to test. The user experience with the integration components was a big deal for me. It was easy to navigate and I could find what I needed.” 
InsuranceFull Stack Developer

Automate payments in as little as ten days.

Dwolla's full-service approach replaces legacy payments technology with a single solution, improving security, data visibility and the customer experience.