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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.

Gain a Competitive Edge with Instant Payments

Faster bank transfers give your business a competitive advantage. Integrate Dwolla’s payment technology to connect with the RTP® Network or the FedNow® Service and access 24/7/365 payments with real-time notifications.

Streamlining Your Payment Operations

Consumer demand for faster and more convenient payment options is on the rise. Buyers expect immediate gratification through seamless digital transactions. Traditional payment methods, like cards, checks and manual ACH files, are no longer in the best interest of the consumer or business. 

Instant payments aim to bridge this gap by providing a seamless connection between digital transactions and the actual movement of funds.

Instant Payments with Dwolla clear and settle almost immediately. They dramatically improve cash flow by providing near-immediate access to funds, unlike traditional payment methods that may take days to settle. This eliminates delays, allowing businesses to use funds immediately for payroll, expenses or reinvestment.  

Instant payments can also streamline operations by reducing the need for manual payment reconciliation, thanks to the extensive remittance data accompanying each transaction. Their 24/7/365 availability increases convenience and flexibility for businesses.

Send Funds in Real Time
Send payments to bank accounts via the RTP Network or the FedNow Service, 24/7/365. 
Improve Payment Transparency
Instant payments include immediate, detailed remittance data with each transaction, providing far greater visibility into payments than traditional methods.
Initiate Instant Transfers From Your Existing Bank
Access the RTP Network or the FedNow Service through a single API integration and your existing banking relationship.
“RTP with Dwolla has given us such a competitive advantage. Before, drivers would wait up to 24 hours to have money in their bank account. For some, that means their business stops. With RTP, funds are in their account in minutes. RTP is the preferred payment method we keep hearing from our clients and Dwolla has simplified that for us.”
Financial ServicesChief Executive Officer

FinTech Platform Uses RTP to Pay Gig Workers

  • Independent driver-contractors need fast access to capital to grow their business and meet the everyday challenges presented to them: car repairs, rising gas prices, tollway fees, new technology and more.
  • They needed an API with clear documentation that they could integrate quickly and support their various funds flows.
  • They were able to integrate with Dwolla’s single API in less than 20 days.
  • After partnering with Dwolla and adding RTP, this Fintech saw a 75% year-over-year increase in transaction volume, an 80% YOY increase in users created and a 24% YOY increase in active users.
Image of taxi drivers and semi truck, with Dwolla hexagons in the background.

Fintech Adopts RTP to Provide Credit in Near Real Time

  • This Fintech launched their application with the objective to help their users access credit in a more equitable way.
    Because of the ongoing competition with credit cards, where funds are available right away, they understood the need to shorten the transaction timeline to remain competitive.
  • Since implementing Real-Time Payments with Dwolla, they have seen a 1,440% increase in transactions and a 46% increase in active users.
Dwolla dashboard on a computer with code in the background. On top of the computer is an API icon.

Leading Open Banking in North America

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

Integrate pay by bank 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.



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