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Payment Methods

Standard ACH
Standard processing times.

Same Day ACH
Expedite your payments.

Real-Time Payments
Transfers in real time.


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 Real-Time Payments

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

Streamlining Your Payment Operations

Collecting and disbursing payments is a critical piece of a business’s payment operations. From mid-sized businesses to large corporations, every business can benefit from streamlined payment processing technology.

Real-Time Payments with Dwolla are transactions that clear and settle near instantaneously. The immediacy and certainty of an RTP transaction is made possible by the RTP® Network’s good funds model, which requires participating financial institutions to allow for the quick availability of funds. Access the RTP® Network with an integration to Dwolla’s payment technology and turn your company into a real-time payments organization.

Send Funds in Real Time
Send payments to bank accounts via the RTP® Network, 24/7/365. 
Improve Payment Transparency
Gain greater visibility around the payment status and access more transaction information on each RTP transfer.
Initiate RTP Transfers From Your Existing Bank
Easily access the RTP® Network or the other payment rails that come with Dwolla’s payment technology 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 Services CompanyChief 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

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.


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