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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.

Accelerate Your Lending Operations

Dwolla empowers lenders to streamline operations, enhance security, and elevate the borrower experience by replacing outdated systems with cutting-edge payment technology.
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Fintech-Payment-Solution-1
BEFORE DIGITAL TRANSFORMATION

Industry Payment Challenges

Lenders face a trifecta of challenges in today's rapidly evolving financial landscape:

Evolving Borrower Expectations
  • Manual processes and outdated payment methods hinder borrower acquisition and retention
  • Meeting modern borrower experience standards becomes increasingly difficult
Payment Security Concerns
  • Risks of costly fraud incidents and security breaches loom large
  • Potential for reputational damage and erosion of borrower trust
Operational Inefficiencies
  • Piecemeal digitization leads to standalone systems and integration hurdles
  • Integrating payments with other business software becomes difficult, if not impossible

Success Story: Innovative Fintech Builds Credit and Trust

Leveraging Dwolla’s API enabled this fintech to accelerate money movement and streamline credit reporting reconciliations, helping customers build credit faster and more efficiently.

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AFTER DIGITAL TRANSFORMATION

Dwolla: Your Modern Payments Partner

Revolutionize your lending operations with Dwolla's comprehensive payment technology.

Enhanced Borrower Experience
  • Control and customize the borrower journey with our single API solution
  • Differentiate your service to stand out in a crowded market, boosting borrower acquisition and retention
  • Streamline processes with real-time payment methods and automation
  • Gain end-to-end payment visibility and automatic reconciliation
Fortified Payment Security
  • Leverage tokenization to safeguard sensitive data during transmission
  • Minimize the risk of unauthorized data interception
  • Reduce human error through automated processes, limiting exposure of sensitive borrower data 
Accelerated, Efficient Payment Processing
  • Replace time-consuming manual processes with automated A2A payments
  • Improve cash flow and increase loan repayment predictability
  • Seamlessly connect with your existing business systems (accounting software, ERP, etc.)
  • Automate reconciliation and receive real-time payment status updates

Predictable payment outcomes at scale.

From first call to go-live, guided implementation, not guesswork. Talk to a payments expert and see how Dwolla fits your lending stack.
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