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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.

Securely Exchange Data

Processing payments digitally while managing risk and avoiding fraud requires various levels of verification and data checks. Through Dwolla’s Secure Exchange solution, you can easily integrate with our data partners and securely exchange information between their APIs and the Dwolla API.

Access to Open Banking

The Secure Exchange Solution prioritizes flexibility that allows us to bring on new data providers quickly and easily.

The reduction in complexity and time investment on our end allows us to remain nimble and make continuous improvements to the solution. As we grow and expand our offerings, that same flexibility will be offered to our clients, who will be able to configure a solution to meet their needs, all under the umbrella of one Dwolla integration. 

Create an exchange, pass it to the endpoint and access the desired functionality. With minimal engineering resources, you’ll be able to unlock the power of Open Banking and delight your users with a secure, tokenized experience. 

Open Bank Triangle: Account to Account Providers, Data Access Providers, Financial Institutions
Reduce the amount of sensitive customer information being stored on your platform, and share information in a secure format to protect it from bad actors.
Get access to a lot of functionality through a single token, and easily add or switch between data providers with a limited amount of development effort.
Current Partners
We’re currently partnering with Plaid, MX, Finicity and Flinks for bank verification functionality, with plans to expand to other partners in the future.
“Embracing Dwolla’s Secure Exchange Solution is another step in embracing an open finance ecosystem that champions both security and innovation for the good of consumers and businesses. Together, we’re helping usher in a new era of digital financial services that fosters inclusivity and accessibility.”
MXVice President

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.


Talk to a Payments Expert