By: Dwolla,

You have an idea. You hit the ground running. You’re excited. However, very quickly you realize there is a lot of red tape. It’s hindering your progress, and it’s frustrating.


In the world of fintech, this feeling holds especially true because moving money is highly regulated. Entrepreneurs are excited to get up and running with their new idea to make payments more accessible, but they quickly become lost in a slew of jargon, jurisdiction, and jostling fees.

If you’re in this situation, Dwolla can help. Dwolla serves as an easy on-ramp to the ACH network—a network that is unnecessarily complex to integrate on your own.

How we can help:

We want you and your business to get up and running in as short of time frame as possible. Building your own interface to send bank transfers via the ACH network can take months or even years. With Dwolla as your backend for payments, integrate in as little as 10 days and get to market faster.

It’s widely agreed upon that integrating a white label solution can be easier and smarter than building your own version of a SaaS product. Our software as a service allows payments to fade to the background and become a function of the service—you focus on building your platform, we’ll handle the bank transfer.  

Our current customers enjoy the benefits of branding their own payments experience, without needing to build it from the ground up (just making it look like they did), while having access to dedicated support and service whenever needed.

How you get started:

Over the past several years, we’ve dedicated ourselves to wrapping the complicated, regulated and sometimes confusing ACH network into four simple API endpoints—yes, as few as four end points. Why is this so great? Because your development team can integrate quickly and efficiently.


To get started, reach out to our integration specialists. They’ll take their time understanding your use case and what your goals are.

With a basic understanding of features and services needed, our specialists will work with you to determine a fair monthly price. You’ll never pay a fee per transaction.

Then, whenever you’re ready, our API documentation is available for you to start exploring and building with in our sandbox environment. Once your integration is complete, our team will take a look and ensure you’re following guidelines for safety and security. If you run into questions along the way, our dedicated developer support can field any questions you have.

The best way to understand if ACH payments are good for your business is to reach out to our team with your use case and goals. They talk to customers and potential customers every single day about their payments needs…

As a starting point, here are ideas for where ACH payments make the most sense:

  1. Marketplace and vendor payouts | Example |
  2. Peer-to-peer money transfers within your application | Example |
  3. Investing and crowdfunding marketplaces | Example |

To summarize, here are the highlights to keep in mind with Dwolla White Label:

  1. No fee per transaction, just a flat monthly rate
  2. Open API for you to explore at any time
  3. Tools and support to fit your specific needs
  4. Experienced with the ACH network, safety is a priority

Get started with ACH transfers

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.