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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.

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Resources

eBooks, Whitepapers, Research Papers, Manuals

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Scaling B2B Payments: How Routable Built on Dwolla's Payment Infrastructure Discover how Routable leverages Dwolla's payment infrastructure to enhance B2B payments, streamline mass payouts, and reduce costs through bank-to-bank solutions.Read More
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Dave Glaser on I AM CEO PodcastDwolla's CEO, Dave Glaser, discusses modernizing account-to-account transactions, emphasizing seamless payments and leadership based on trust, while highlighting the company's innovative solutions for businesses.Learn More
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The Future of Payments is Instant: Insights from the ExpertsDiscover insights on instant payments from industry experts in our on-demand webinar. Learn how businesses can leverage real-time payments for growth and improved customer experiences.Learn More
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The Definitive Guide to Pay by Bank Payments for the Lending IndustryExplore how modern instant payment solutions transform lending by enhancing speed, efficiency, and borrower satisfaction, enabling lenders to meet evolving market demands effectively.LEARN MORE
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Off the Rails from the U.S. Faster Payments Council with Dave Glaser and Skyler NesheimExplore insights on retail payments and instant transactions with Dwolla's CEO, Dave Glaser, and CTO, Skyler Nesheim, in this engaging episode of Off the Rails hosted by the Faster Payments Council, FPC Executive Director Reed Luhtanen.Learn More
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Dwolla CEO Dave Glaser: Pay-by-bank, running an Ironman, and where US payments go from hereDwolla's CEO, Dave Glaser, discusses the evolution of payments, focusing on account-to-account transactions, innovation, and his personal journey training for an Ironman.Learn More
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Bringing Even More Simplification to the Payments ProcessDiscover the future of payments with Dwolla's CEO, Dave Glaser, at Money20/20 USA 2024. Learn about biometric transactions, real-time payments, challenges in modernizing payments, and Dwolla's approach to enhancing security and reducing costs.Learn More
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A Fintech CTO's Playbook for Driving Sustainable Innovation with Dwolla CTO Skyler NesheimLearn how Dwolla's CTO, Skyler Nesheim, drives sustainable innovation in Fintech. Learn about building high-performing teams, decision-making strategies, and the future of financial technology.Learn More
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AI in Banking: Building Compliant and Safe Enterprise AI at ScaleDiscover the importance of aligning AI to banking use cases, data management, and governance in this webinar. Explore the challenges and opportunities of implementing AI in the banking sector.Learn More
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2025 Guide: Transforming Real Estate Transactions with A2A PaymentsTransform real estate payments with Dwolla's single API. Automate operations, enhance security, and streamline transactions for a modernized, efficient experience.LEARN MORE
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Breaking Banks: Innovator’s Dilemma & ROI / ROTExplore the challenges and solutions in the world of payments integration with Dwolla's CEO and CTO. Learn about their innovative interfaces and partnerships driving digital transformation in finance.Learn More
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2025 Guide: Understanding A2A Payments and Their Role in Insurance Payment ProcessingDiscover how Account-to-account (A2A) payments (also known as pay by bank payments)—including ACH, RTP and FedNow transfers—play a crucial role in streamlining insurance payment processing. These modern payment solutions offer benefits such as efficiency, speed and security to reduce payment processing costs and improve customer satisfaction.LEARN MORE
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Payments Modernisation: What Are Financial Institutions Prioritising?Discover how financial institutions prioritize payments modernization with cloud technology. Learn about budget allocation, customer pain points, and security in this insightful webinar.Learn More
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Digital Transformation in Payments: Improving Cash Flow, Security and the Customer ExperienceLearn how you can improve cash flow, security, and customer experience with digital transformation in payments. Embrace cloud-based solutions for speed, flexibility, and real-time insights.Learn More
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Fintech Impact: Dwolla Revisited with Dave GlaserDiscover how Dwolla is revolutionizing B2B payments with streamlined account-to-account processing. Learn about their strategic shift and the impact of the global money movement in this Fintech Impact episode.Learn More
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Dwolla Connect: A Single Solution for Finance TeamsStreamline payment operations, reduce costs, and gain real-time visibility into cash flow with Dwolla Connect. Say goodbye to juggling multiple platforms and manual processes. Empower your finance team today!Learn More
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Digital Transformation in PaymentsAs global economic concerns continue to dominate headlines, businesses are increasingly recognizing the importance of leveraging technology to enhance manageability through digital transformation.LEARN MORE
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Dwolla Connect: Empowering Enterprise Businesses to Automate and Optimize Their Payment OperationsAutomate and optimize payment operations with Dwolla Connect. Gain real-time visibility into cash flow and reduce costs. Discover the opportunities of digital transformation for suppliers. Dwolla is disrupting enterprise payments with its innovative Connect solution.Read More
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Your Guide to Accounts Payable and Accounts Receivable AutomationDiscover how automating your accounts payable and receivable processes can have a positive impact on cash flow, reduce errors, improve supplier/customer relationships, and ultimately contribute to a healthier bottom line. Get started today by exploring our guide to AP/AR automation.LEARN MORE
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Is a Risk-Based Approach the Best Option for Payments?Watch this webinar, in association with Napier and Finextra, to discover how AI can be responsibly implemented by payments firms to help combat financial crime.LEARN MORE
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Navigating the Shift: Minimizing Risk and Maximizing the Value in Digital PaymentsLearn how to mitigate digital payment risks with this on-demand webinar from Dwolla and Nacha, experts in ACH fraud prevention. Discover the value of modern payments APIs for enhanced security, compliance, streamlined operations & more.LEARN MORE
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Unlock Your Potential: How Faster Payments Can Power InnovationDiscover the potential ACH and RTP for powering payments innovation, eliminating processing fees, and simplifying cashless transactions. Learn how to unlock the future with payment processing automation from Dwolla!LEARN MORE
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7 Key Factors to Consider When Choosing a Payment Processing SolutionReady to take the plunge and switch your payment processing solution? Learn about the factors you need to consider.LEARN MORE
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The Payments Show Podcast: Dwolla: The Payment Platform that Powers Innovation, with Dave Glaser, CEOJoin Dwolla's CEO Dave Glaser and Satwant Phull on The Payments Show podcast as they discuss how companies can optimize their operations by leveraging traditional banking systems like ACH, as well as new real-time payment networks.Read More
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Your Guide to Accounts Payable and Accounts Receivable AutomationAccount-to-account payments are digital (or electronic) transfers between bank accounts through payment rails such as the ACH Network and RTP® Network.Read More
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ACH 101: Connecting Your Business to the ACH NetworkAs businesses look for more cost-effective payment methods, the ACH Network continues to stand the test of time. Learn everything about ACH payments here.Read More
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PayPod: Imagine a World with Frictionless PaymentsDwolla’s CTO discusses the benefits of payment APIs, what it means to be bank agnostic and gives his predictions on the future of frictionless payments.Read More
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Your Guide to Understanding Account to Account Payments: RTP vs ACHAccount-to-account payments are digital (or electronic) transfers between bank accounts through payment rails such as the ACH Network and RTP® Network.Read More
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