By: Dwolla,

The top focus for the product team at Dwolla is to identify and eliminate friction for our customers. To that end, we’ve been busy over the past 15 months implementing refinements to make it easier for people to get up and running with Dwolla. We’ve improved:

After looking at the variety of ways businesses have integrated with Dwolla, we identified how to drastically improve the experience and increase activation for certain use cases. Enter Dwolla Direct. With Dwolla Direct, customers are no longer required to enter personal information such as date of birth or SSN to start using Dwolla. They just enter their email address and create a password, then connect their bank or credit union account so we can process any transactions. This lightweight account type is available within specific payment and onboarding flows.

We first introduced Dwolla Direct in our revamped Offsite Gateway Checkout in Summer 2014. By Fall 2014, we added the ability for non-members to create a Direct account in order to claim funds sent by an existing Dwolla member.

This week, we added OAuth account creation to our OAuth implementation. Now any third-party app can allow account creation and bank verification inline with the capture of an application’s permissions. There are now three ways to onboard customers within the OAuth workflow:



Experience the new OAuth account creation flow with our demo.

So, what’s all this mean?

With these improvements usage has improved 3x—but we’re not done. We’ll continue to iterate and improve the traditional account creation process within the web experience in the coming months. We’ll refine the customer onboarding experience within our Offsite Gateway and OAuth experiences. And, we’re actively engaging our API customers to further accelerate the account creation experience and to give you more control of the overall experience.

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Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.