By: Dwolla,

Over the past several months, businesses of varying shapes, sizes, and business models have chatted with us about payment options. They usually say something along the lines of, “We’re considering your ACH API, as well as the ACH transfer services offered by XYZ bank.” We listen as they explain their decision-making process of whether to go with a bank’s solution or third-party, i.e. Dwolla.

Here’s what you need to know: Dwolla’s White Label ACH API can serve your needs, no matter
where you bank.

There are a lot of factors at play when choosing the right bank for your business. You have to identify your needs, the features required, how long it will take to integrate, the support you’ll receive, interest rates, etc. Shopping banks based only on their ability to provide ACH transfer services can potentially hinder you.

When you’re dealing with so many pros and cons in choosing a bank, don’t let its access to integrating ACH transfers be the limiting factor. Choose your ideal bank, and use our API to facilitate ACH transfers.

It’s about dedication and focus

For us, it’s not just about the ACH API we provide compared to banks. It’s about the dedication and focus.

We want to provide you the best API, technical support, and expertise; it’s our specialty. From an in-house compliance team to dedicated Slack channels, Dwolla has the resources and experience to accommodate your digital business.

We believe our dedication and focus on the API are what set us apart. We’re the ideal API to move money. That’s not just one of the things we do, it is the thing we do.

Don’t take our word for it

As we mentioned earlier, this decision to choose between a third-party payment provider and a bank is faced quite often by businesses. Don’t take our word for it, but rather learn from a couple examples.

In this case study, a boat rental platform considered 8+ different providers, including banks, before landing on Dwolla’s ACH API. They quickly saw solid results, integrating Dwolla’s scalable RESTful API in less than 14 days to deliver daily payouts to its large and growing base of boat owners. Further, event-driven notifications and simple administrative tools helped automate and manage their operations, saving valuable time and resources.

Considering another perspective, in this case study a restaurant delivery platform chose Dwolla’s ACH API in place of a manual bank solution. With only one developer available, the software platform integrated the API in two weeks, cutting time spent performing manual payout processing tasks with a bank by 100% and reducing payouts processing costs by an estimated $1,200 per month.

To learn more about how Dwolla can work hand-in-hand with your bank to facilitate ACH transfers, reach out below.

Get started with an ACH integration

We'll help you design your ideal payments 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.