By: Jordan Lampe,

Announcing Dwolla’s Same Day ACH Pilot Program

In the United States, the ability to transfer funds from one bank account to another within the same business day has been a pipedream since the 1970s. The ability to not only do that, but do it affordably and through an API endpoint starts today with Dwolla’s Same Day ACH pilot program.same-day-vs-standard-blueThe pilot program will offer platforms advanced access to Same Day ACH, allowing members to initiate credit transfers via our White Label API and providing faster funds availability to their users. No plastic cards required.

Benefits of Same Day ACH Payouts with Dwolla White Label


Who is eligible for this pilot?

Right now, Same Day ACH only supports credits, or funds initiated from the sender directly to receiver. This is an excellent way for payout platforms, the gig/sharing economies, marketplaces, payroll companies, and more to differentiate themselves, optimize business process, and improve their end-user experiences.

At least initially, the Same Day ACH pilot will be made available to Dwolla White Label API customers only.

When will it be available more broadly?

We’ll continue to run the Pilot Program and accept new customers on a rolling basis over the next few months, but hope for broader market release during Q4 of this year.

What is Dwolla White Label?

It’s a Software as a Service platform for businesses and applications to communicate and work with our nation’s banking system. Developers and businesses use our simple, yet powerful White Label API to set up funds transfers between bank accounts, manage customers, verify bank account information, and more—all within their own branded experience.

How will it work within the existing White Label API?

For businesses interested in leveraging Same Day ACH, the White Label API integration will continue to be as simple and powerful as it is today. No need for additional, complex coding with your integration..

Do my customers need a special bank, app, or feature to receive a Same Day ACH-enabled bank to receive Same Day ACH payments?

No! All banks and credit unions accounts are required to accept Same Day Transfers as of Friday, September 23, 2016. With White Label, you create and on-board customers within your own native experience and they can add their own bank accounts.

Why only credits? What about debits?

There are three phases to the Same Day ACH rollout. The first phase (i.e. this one) can only process credits. Debits, or the ability to originate a request for funds from another’s account, becomes available in September 2017.

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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.