Start offering electronic payments with Dwolla’s reliable platform and automate the payment process for your business without an annual commitment.

FAQs About Dwolla’s Pay-As-You-Go Pricing Plan

Dwolla’s Pay-As-You-Go pricing plan means businesses pay for each transaction that their business initiates through the Dwolla Platform. There is no annual commitment to sign up—just pay for what you use.

When your business initiates a transaction with a payment source and a payment destination, that’s reflected as one billable transaction. A billable transaction can include loading and withdrawing funds from your balance or moving funds from one bank account to another. For additional clarification, please visit Dwolla’s Developer Forum at

You can integrate with Dwolla’s payment API and continue paying per-transaction, while accessing the different payment flows and additional built in features of the platform! However, if you are looking to access additional payment functionality, such as higher transaction limits or faster payments, you’ll need to sign up for our Scale pricing plan.

The Pay-As-You-Go pricing plan charges 0.5% per transaction (min. $0.05, max. $5). There is a one-time charge of $1 or $2 for each user onboarded to the application—depending on the functionality that you want to provide to your users. Additionally, businesses will be charged a $5 fee for every ACH transfer returned on your application. See the pricing page for a further breakdown of these details.

No, by utilizing the Dwolla dashboard you can create users and send money to them without an API integration. To implement other types of payment flows (collecting payments or facilitating payments between your users), an API integration is required. Our developer documentation offers step-by-step instructions to integrating with our API.

Businesses and software applications that are just getting started with electronic payments or those looking to test Dwolla’s reliable payment platform.

Get Started Quickly

Accessing electronic payments has never been easier. With no setup fees or monthly minimums, Dwolla’s Pay-As-You-Go pricing plan allows a business to start transacting quickly and recognizing the benefits of automating payments with a third-party payment platform.

Integrate with Dwolla’s payment API or use the Dwolla Dashboard to easily transfer money to Receive-Only customers with standard ACH transfer timing. Without an integration, entering the correct bank account and routing information will allow a business to initiate an ACH transaction. Future payments to the same user can be fluidly sent on a recurring basis.

*For additional functionality, an integration is required.

Integrating Dwolla’s Payment Platform

Additional functionality can be accessed by completing an API integration—while still paying per-transaction.

Integrating Dwolla’s payment API allows for creating any type of customer to programmatically send, collect or facilitate transactions between users. With Dwolla’s Pay-As-You-Go pricing plan, businesses have the ability to charge a facilitator fee, as well as offer multiple bank account verification methods.

Additionally, an API integration is customizable to match the branding within your application for a consistent user experience.

Technical Resources for Integrating Dwolla’s Payment API

Forum support is available with guides, documentation and FAQs to assist with the payment integration.

Developer Documentation

The roadmap to navigating a tailored payment integration.

View the Documentation

Tools & SDKs

Dwolla’s developers maintain SDKs in the Ruby, Node.js, Python, C#, Java and Kotlin programming languages for use during an integration.

View Our Helper Libraries

Developer Forum

Questions about integrating with our payment API? Our developer forum has the answer.

Find Your Answers

Choose the Pricing Plan to Fit Your Business

Sign up and start transacting or schedule a meeting with our sales team to walk through what a custom integration would look like for your business.

Review Dwolla’s Pricing Plans


Standard functionality and transfer speeds with access to our developer forum to help with technical questions during the integration.


Predictable pricing with access to expanded features, faster transfer options and dedicated support.


Custom feature development and transaction volumes with prioritized support.
“We didn’t want to take a year or six months with six full-time developers or even have one developer siloed off for an integration. Dwolla impressed us with their tech stack and that allowed us to get up and running as quickly as possible. Other ACH providers required a more intense and time-consuming integration.”
Director of Product and Management
“When integrating with Dwolla, everything was documented really well, which allowed us to move more quickly through that process."
Chief Technology Officer
“I’ve been in banking for nearly a decade and a big problem traditionally is dealing with your payment provider. Freeing up my time by leveraging the Dwolla solution has been tremendously helpful in getting work done and getting it done quickly.”
Finance and Accounting Manager

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