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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.

Streamline Your Payments with Same Day ACH

Shorten the standard ACH transfer timeline of 4-5 banking days by using Same Day ACH functionality to make funds available within the same business day.
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Standard Day - ACH
SAME DAY ACH

The Benefits of Automated ACH

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.

Same Day ACH transfers are a highly adopted transfer speed among businesses using ACH for payments. Whether your business is looking to expedite payroll, provide faster crediting to prevent late bill payments or improve the speed of payments between businesses, implementing Same Day ACH functionality makes funds available faster.

Faster Payments
Shorten the ACH processing window and give users quicker access to their funds—as fast as the same day.
Programmable Payments
Boost the timing in which funds are delivered to a user’s bank account through automated, expedited processing times.
Lower Costs
Enjoy the benefits of faster funds transfer while avoiding the costs that come with legacy technologies, credit cards and manual processes. 
"Our return on investment was almost immediate. We were able to get up and running in no time with Dwolla’s straightforward API. Dwolla’s flexible options such as Same Day ACH gave us the flexibility our customers demand."
Transportation CompanyChief Executive Officer

How Same Day ACH Works

Same Day ACH allows you to move money electronically within the same business day (excluding weekends and holidays).

The ACH network typically processes batches of transactions once or twice a day, resulting in clearing times of several business days. Same Day ACH builds upon this existing infrastructure by introducing additional processing windows throughout the day. This allows for funds to be received by the destination bank on the same business day that the transfer is initiated, provided it meets the specific deadline set by the originating financial institution.

FinTech Platform Uses Same Day ACH to Transfer Tips for Stylists and Shop Owners

  • This tipping platform’s card transactions were cutting into profits for stylists and shop owners.
  • They partnered with Dwolla to lower transaction costs with reliable processing times using Same Day ACH.
  • The tipping platform saw an 86% increase in transaction volume after implementing Same Day ACH.
Hairstylist with a client. The client is on the phone making a payment.

Transportation Company Automates its Payment Operations, Allowing Cargo to Move Faster

  • Before Dwolla, this transportation company’s payment processes were completed manually. They didn’t need to work harder, they just needed a smart API solution to help them improve their processes.
  • By implementing automated ACH, they decreased their manual workload by 98%.
  • Reducing their manual workload resulted in a better customer experience overall and the return on investment was almost immediate.
Cargo ships above code with a API icon in front.

Real Estate Platform Uses ACH for Inexpensive, Quick and Reliable Payments

  • Real estate companies and escrow holders use this platform to collect earnest money deposits and commissions electronically, eliminating the need to manually deliver paper checks or conduct real estate transactions in person.
  • When this real estate platform first implemented Dwolla’s payment API, the company used standard ACH transaction timing to facilitate real estate payments.
  • When clients started requesting faster payment options, the platform added Same Day ACH payments to their suite of features.
    After adding Same Day ACH transactions, they experienced 212% growth in new client contracts, 376% growth in payment transactions and 483% growth in the dollar amount of funds transferred through the platform.
  • The technology team can easily toggle between Standard ACH and Same Day ACH transfers, depending on the end user, risk factors or use case.
Screenshot for Agent Commission Payments. Pictures of real estate sale and real estate agent.

Automate your 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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