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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.

Powering the Future of Fintech

Dwolla Balance simplifies multi-vendor payment management, speeds up processing and helps you navigate compliance with ease.
Modernize Your Payments
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Pain Points Dwolla Balance Solves

1
Complex Pay by Bank Payments
Simplify your payment operations with a single, unified solution.
2
Slow Processing Times
Accelerate payment processing with automated ACH and real-time payment processing.
3
Compliance Headaches
Rely on our subject matter expertise to help you navigate the complex regulatory landscape.
4
Limited Support

Benefit from our dedicated payments experts, who are available to assist you throughout your payments journey.
“Our return on investment was almost immediate. We were able to get up and running in no time with Dwolla’s straightforward API. Dwolla’s flexible options such as same day ACH gave us the flexibility our customers demanded.” 
TransportationCEO

Dwolla Balance Features

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Digital Wallet

Empower your customers and your business with a secure and convenient digital wallet. Allow your customers to store funds and make payments, all from a single, user-friendly interface.
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Instant Payments
Revolutionize your payment processes with real-time payment processing. Reduce processing times, improve cash flow and enhance the overall customer experience.
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Single API

Simplify your integration process with our unified API. Access a wide range of payment functionalities and open banking tools through a single solution. This streamlined approach helps reduce development and maintenance time and effort, allowing you to focus on your core business.
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Open Banking

Leverage the power of open banking to enhance your payment capabilities. Access a wider range of financial data and services, enabling you to offer innovative products to your customers.
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Mass Payments

Eliminate manual tasks, improve payment traceability and save time and money. Streamline your high-volume payment processes by using mass payments to automate ACH transfers for up to 5,000 payments with a single debit. 
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Drop-In Components
Quickly and easily incorporate payment functionality into your application without extensive coding. Accelerate your payment integration process with pre-built UI elements for tasks like document upload, balance display and beneficial owner creation.

Experience the Dwolla Difference

At Dwolla, we're committed to providing exceptional customer support throughout your entire journey. Our dedicated team of pay by bank and open banking experts is available to assist you with:

  • Comprehensive Developer Resources: Access our extensive developer documentation, code samples and API references to streamline integration and troubleshooting. 
  • Dedicated Implementation Support: Our experienced implementation team will guide you through onboarding, helping you create a smooth and efficient setup.
  • Ongoing Support: Find answers to your questions in our extensive collection of support articles. Still need help? Our knowledgeable support team is ready to assist!
  • Personalized Assistance: Benefit from personalized support tailored to your specific needs.

 

With our dedicated support, you can focus on growing your business while we handle the complexities of pay by bank payments.

Automate your payments in as little as ten days.

Dwolla's full-service approach replaces legacy payments technology with a single solution, improving security, data visibility and the customer experience.

 

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