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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.

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.

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.

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.

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.

Controlled Cash Flow
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

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.

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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