If you’re considering a new ACH payments integration, we’re here to help. We’ve pulled together a list of commonly asked questions so you can better understand how Dwolla’s money transfer API will fit into your platform.

Whether you’re building a platform for investing, a marketplace or service that needs to send mass ACH payouts programmatically, or an app that needs peer-to-peer bank transfers—we’ve got you covered. Below are some questions to guide you.

1. Do my users need to create a Dwolla account on top of the account they create on my platform?

If you’re interested in a White Label payment solution, then users do not login to a Dwolla-branded gateway to create an account; they simply create a Dwolla account on your platform, accept Dwolla’s TOS and privacy policy and link their bank account therein. Here’s an example of an application that used White Label.

If you’re interested in a co-branded payments solution, then users are directed to establish a Dwolla account to make payments. Our OAuth account creation flow does a great job of getting users onboarded quickly. Take a look at how this platform for paying referees uses the Dwolla OAuth integration.

2. Can I facilitate transactions between two parties without touching the funds?

Yes, you can. With the Dwolla API you can build an application that allows you to simply facilitate transactions. This means the funds never have to touch your Dwolla balance or bank account as the owner of the application. You’re simply providing the means for the money to be transferred.

3. What are your business day cut-off times for transactions?

4pm CST; we’ve provided clearing times that are very competitive with industry standards.

4. Do you have a testing environment? If so, how do I get set up and how does it work?

We do have a sandbox environment. It’s free to access, and many partners like to play around in it while researching their solution. In the sandbox environment you can do all the same things you would in production, however all data is fake and no actual money is touched or moved.

5. What level of support do you offer for integrations?

Our team wants nothing more than to see the Dwolla API put to use in diverse, innovative ways. We’re always here to help, and recommend starting at the discussion board with a problem. If you want priority, direct access to developers and support, we hook you up with a dedicated account manager in our custom payment packages.

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