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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 Standard ACH

Move funds in and out of external bank accounts, using standard ACH processing times.

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.

Modern, automated payment operations unlock the full potential of payments by eliminating the need for legacy technology, traditional paper checks, manual processes and the hidden costs that come with them. Through the power of ACH and an updated payments platform, businesses can improve cash flow, account reconciliation and even profitability.

Lower Costs
In general, the costs of ACH come in much lower than other payment methods. When comparing the fees between credit cards and ACH payments, credit card payments have higher processing fees since they are typically calculated as a percentage of the transaction. ACH transactions can cost pennies to initiate and in some cases are free. Excluding cash transactions, ACH transactions have some of the lowest transaction fees.
Increased Security
Funds that are transferred directly to a verified bank account can be more secure. Credit cards have a high incidence of fraud, while the manual process around paper checks leaves room for human error and opens up the possibility for the check to be stolen during mailing.
Controlled Cash Flow
ACH transactions and, more specifically, ACH APIs, allow businesses to automate their manual payment processes that cost a lot of time and money. ACH APIs automate repetitive processes such as data entry, verification and confirmation of payments. No more processing, mailing and tracking paper checks as part of your payment operation.
“The time the team had previously used to manually process transactions was drastically reduced and there was no need to hire more personnel for other activities. Our manual workload decreased by 98% and the total time spent on transactions reduced by 80%—along with all of the errors that were prevented—thanks to automating ACH transactions.”
Transportation CompanyChief Executive Officer

Insurance Platform Uses ACH Payments for Efficient Claim Reimbursement

  • A pet insurance platform started searching for a more efficient reimbursement solution to help scaling efforts. This platform onboards thousands of policyholders on a monthly basis
  • Partnering with Dwolla and implementing ACH payments has allowed their customers to claim reimbursements 5 days faster than with a paper check.
    Electronic ACH payments saved this insurance company over 92% in costs vs. paper checks.
  • Reimbursement efficiencies improved by over 800% by switching from paper checks to ACH.
A woman with her laptop and her dog laying on the bed.

Investment Platform Facilitates Art Buying with ACH transactions

  • An investment platform uses standard ACH transaction timing not only as a check against fraud but also as a peace-of-mind payment method that lets them know how much money is in the bank and when it will arrive.
  • Since going live with Dwolla, this Investment platform went from transferring “a couple hundred thousand dollars” through the Dwolla Platform to facilitating tens of millions a month in art investments.
  • For their end users, having the ability to make a quick and easy investment is a significant step in making art acquisition more accessible. The flexibility and ease of ACH payments with Dwolla means the API works in the background with little to no intervention from the company’s engineers.
  • Their payment volumes scaled by 200% using ACH transactions.
A computer with Dwolla screenshot with API icon and code in the background.

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.
  • The technology team can easily toggle between Standard ACH and Same Day ACH transfers, depending on the end user, risk factors or use case.
Dwolla Dashboard with a callout saying Transfer Details, Amount, Status, and Type: ACH Credit

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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