By: Dwolla,

clear-capital-ach-paymentsDwolla is a go-to provider of a wide array of payment solutions, from entrepreneurs wanting to build scheduled recurring payments into their application or platform, to commercial partners needing a comprehensive disbursement solution. Dwolla’s open API makes customization easy, and our recent upgrades to our OAuth implementation and Dwolla Direct have made onboarding members a breeze.

One of our hallmark partners is Clear Capital, a nationwide provider of residential and commercial real estate services for mortgage lenders, servicers, investors, etc. As a service, they provide valuations, data and analytics, quality assurance services and technology solutions to their customers—mortgage lenders, servicers, investors, GSEs, and Ratings Agencies. Their network of more than 40,000 nationwide real estate professionals deliver broker-based and appraiser-based reports.

As an innovative leader in their industry, Clear Capital chose to integrate a fast and secure payment disbursement option into their existing platform, so that the real estate brokers, agents and appraisers in their network could quickly and securely receive online payments.

Modernizing payout process with Dwolla

Clear Capital received many requests from their network of appraisers, brokers and agents for direct deposit, and between the costs and time committed to processing paper checks, realized the value of implementing an online payouts option. They needed to solve three major pain points:

  1. A better payment system for the company’s vendors. One that pays them sooner and eliminates the frustration of checks that go missing in the mail.
  2. A solution that didn’t require sensitive information within the Clear Capital system
  3. A simple, easy-to-use payouts option that had very little friction in signup for payouts recipients

Dwolla delivered on all three.

Dwolla MassPay for sending disbursements

Now, Dwolla processes a wire transfer from Clear Capital same-day and disburses the amounts owed to thousands of vendors via the Dwolla MassPay API, routing funds directly to the vendors’ respective bank or credit union accounts. With this new system, Clear Capital cut transfer times to just 1-2 business days.

Dwolla OAuth account creation for member onboarding

The integration of Dwolla OAuth account creation within the Clear Capital dashboard allows vendors to easily create their account with an email address and password, then securely link a bank account. Clear Capital is able to kick off payments using only the recipients’ email addresses, and funds are routed to the vendor’s bank or credit union accounts.

The solution

With a new streamlined and integrated solution, Clear Capital upped its payouts to two times per month instead of just one. After just five months, Clear Capital transitioned more than 30 percent of their total payout recipients to Dwolla…

“When our brokers, agents and appraisers in the field are happy, it’s a win for us. Dwolla has eliminated a big frustration from our network of real estate brokers, agents and appraisers when checks go missing in the mail.


A digital solution has saved us more than $.80 per payment, which has allowed us to pay them more often—twice a month, instead of just once at the beginning of each month. As a technology company ourselves, we are familiar with costly and time intensive integrations. It has been seamless to integrate our application with their system.”

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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.