Simplify Electronic Payments Using Dwolla’s Payment API

Integrate Dwolla’s reliable technology and customize the experience to send, collect or facilitate payments electronically.

White Label

Maintain a consistent user experience while initiating electronic payments.


Design the best workflow for your business—regardless of how you're moving money.


Our API has a proven 99.9% uptime and goes through continuous testing and third-party auditing.

Calculate Your Savings Using Electronic Payments

Initiating an ACH payment can cost a business pennies compared to the percentage-based processing fees that come with credit cards. A business accepting 250 credit card transactions a month can save up to $175 by switching to ACH payments. Our cost calculator helps estimate how much a business could save after implementing electronic payments.

Start Calculating

Guides to Programming Payments

The Dwolla Developer Portal outlines the technical capabilities of Dwolla’s payment API, enabling decision makers to evaluate how it best serves their needs. Our Developer Relations team has created step-by-step walkthroughs to help ensure your integration is built with best practices. With API reference documentation and how-to guides, a few well-designed endpoints can handle the most complex payment needs.

View the Documentation

Knowledge Based Authentication

We require identity verification for at least one party involved in each transaction.

Dwolla’s API has built-in features that assist with meeting the requirements of verifying the identity of a new user. Should a user fail the initial verification attempt due to invalid information, Dwolla’s Knowledge Based Authentication (KBA) feature provides an alternative way for a user to verify their identity through a series of questions that are specific to each user. Questions are compiled from public and private data, such as marketing data, credit reports and transaction history.

Learn More About Verified Customers
“What distinguished Dwolla was the heavy emphasis on compliance and the overall polish around the white-label aspect of the business. The API was clean, easy to understand and we were up and running very quickly compared to some of the other vendors.”
“What Dwolla allows us to do is create a network of solutions, rather than just a solution. We are planning on expanding the way we use Dwolla for authentication of individuals as well as moving money for things other than earnest money.”
Chief Technology Officer of Earnnest
“We are able to work as a partner with Dwolla. We’re working on some custom things to make our workflow and processing easier. Being able to have that conversation and go down that road, regardless of what happens, is great. Dwolla feels like more of a partnership than just another vendor.”
CEO & Co-Founder of LoanWell

Ready to Improve Your Business’ Payments?

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