By: Genny Couch,

My name is Genny Couch, and I am on the business development team at Dwolla. My days consist of communicating with businesses and platforms interested in our White Label ACH API and working with our current partners on integration, while sneaking in time to daydream about owning a corgi.

I get to chat with a variety of businesses—some are realizing a new need for integrating ACH payments into their platform, some are seasoned, aiming to switch from an existing service, and others are just learning the ins and outs of ACH.

If you fall in that last boat and are just starting the search, that’s okay! I was there at one point too. Early on, I found that this ACH blog post really helped me.

When getting started with an ACH API, I’ve heard a lot of similar questions coming from different business types.

Wouldn’t it be helpful to know what other businesses and platforms are asking when integrating with an ACH provider—and get immediate access to those questions in one fell swoop? That’s exactly what this blog post is intended to do.

I’ve taken my experience working with a variety of businesses to produce some helpful, practical answers to the common questions that come up.  

Let’s go.

1. What’s Dwolla all about?

Dwolla is unique in that our White Label option allows you to build ACH capabilities right into your web or mobile application, with your branding in front of the end-user. Dwolla’s robust set of APIs allows you to customize the UX for the three endpoints necessary to facilitate a transfer—the creation of the customer, the connecting of the funding source, and the initiation of the transfer. You build it, pass on the necessary information to us through the API, and we’ll help you handle the rest.

2. That sounds great. What do you charge for your services?

This is another reason Dwolla is unique—while most of our competitors charge a fee on every transaction, we just don’t believe in that. Dwolla’s SaaS (software as a service) model offers a flat monthly fee structure with small one-time onboarding fees for your customers.

We believe that our product is more than just the transaction. We offer a full-stack solution for bank-to-bank transfers in the United States. Programs that charge per-transaction fees can get expensive very quickly, and that’s just no fun.

Here’s where I come in. When you talk to a member of our Business Development Team, we spend time getting familiar with your business, so we can put a fair and competitive price in front of you. We work together to ensure that the contract you enter into accommodates your needs.

3. Do you also process credit card transactions?

We do not—we solely process transactions from one U.S. bank account to another U.S. bank account via the ACH network. However, we fully support our partners using other providers alongside Dwolla to accept credit cards as an additional form of payment on their application.

Be comforted by the fact that Dwolla only works with ACH. We’ve spent the better part of a decade learning the ins and outs of the network and perfecting our ACH API.

4. My tech team would love to see your documentation, and can I test out your API?

I’m so glad you asked. While my expertise is on the business side, Dwolla has an awesome tech and product team. They have put our ACH API documentation into one place, which is great for partners that are wanting to go live in production ASAP.

You can work with me on getting the paperwork done, and your tech team can be heads-down working on integration.

Check out our API docs here

and

create a UAT account to begin testing our API in our sandbox environment here.

5. Alright, this all sounds like what I’ve been looking for. How do I get in touch?

Fill out this form with some more information on your business.

After you’ve reached out, one of our integration specialists will set up that initial call to learn more about your application. After that, you can tell all your friends how great Dwolla is. [inset winky face]

I’m sure you have some more questions that have been left unanswered, but these are some of the most common that I hear when businesses jump on their first call with me. If this sounds like the solution you’ve been looking for, I hope I’ll be hearing from you soon!

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.