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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.

Securely Exchange Data

Processing payments digitally while managing risk and avoiding fraud requires various levels of verification and data checks. Through Dwolla’s Secure Exchange solution, you can easily integrate with our data partners and securely exchange information between their APIs and the Dwolla API.
Modernize Your Payments
Secure-exchange-solution
SECURE EXCHANGE SOLUTION

Access to Open Banking

The Secure Exchange Solution prioritizes flexibility that allows us to bring on new data providers quickly and easily.

The reduction in complexity and time investment on our end allows us to remain nimble and make continuous improvements to the solution. As we grow and expand our offerings, that same flexibility will be offered to our clients, who will be able to configure a solution to meet their needs, all under the umbrella of one Dwolla integration. 

Create an exchange, pass it to the endpoint and access the desired functionality. With minimal engineering resources, you’ll be able to unlock the power of Open Banking and delight your users with a secure, tokenized experience. 

Open Bank Triangle: Account to Account Providers, Data Access Providers, Financial Institutions
Tokenization
Reduce the amount of sensitive customer information being stored on your platform, and share information in a secure format to protect it from bad actors.
Flexibility
Get access to a lot of functionality through a single token, and easily add or switch between data providers with a limited amount of development effort.
Current Partners
We’re currently partnering with Plaid, MX, Finicity and Flinks for bank verification functionality, with plans to expand to other partners in the future.
“Embracing Dwolla’s Secure Exchange Solution is another step in embracing an open finance ecosystem that champions both security and innovation for the good of consumers and businesses. Together, we’re helping usher in a new era of digital financial services that fosters inclusivity and accessibility.”
MXVice President

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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