By: Mariah Young,

In the end, we’re all just trying to give customers the best experience possible—an experience that is pleasant and seamless.

Dwolla White Label helps businesses and platforms of varying shapes and sizes deliver a customized payments experience to users using ACH. Plug our API into what your site or platform, and get started with better pay-ins and pay-outs.

A good example of this is GOAT, who tapped Dwolla’s API to deliver better payouts to their users. The proof is in the pudding on this one, with a new integration GOAT was able to reduce complaints related support tickets by 80% and time to resolution by 50%  (read the case study).

To further our White Label product we’ve added various new functionality, including on-demand bank transfers.

What are on-demand bank transfers?

As part of the Dwolla White Label product, on-demand bank transfers allow you to bill your customer for varying amounts at a future date.

Take a look at the image below, you’ll see Dwolla’s white label, instant bank account verification form embedded into a website. With on-demand bank transfers, the additional step is adding a few sentences letting your customer know that by connecting their bank account they’re also authorizing the “bill later” function.

authorized ach transfer

Putting on-demand bank transfers to use

With on-demand bank transfers offered as part of Dwolla White Label, you gain the ability to bill in a more seamless way. Your customer authorizes this “bill me later” functionality, and the payments become less of a hassle.

Breaking it down more simply, you’ll begin by identifying the best flow of funds for your users. Next, work with a Dwolla integration specialist to identify the best solution for your needs—maybe you just need payouts, maybe on-demand payments are perfect for you. From there, you’ll integrate with support at your side. What you’ll walk away with is a payments solution that satisfies, and lends to a better overall user experience.

On-demand use cases

On-demand bank transfers are perfect for subscription-based services. For example, utility services charge monthly based on usage of the given utility—this usage amount is rarely the same from month to month. It wouldn’t make sense to set up recurring flat-monthly payments for the utility service, you want the functionality to collect variable amounts.

With on-demand bank transfers, you get just that. Your users are easily able to to authorize transfers for variable amounts from their bank account using ACH based on their usage, without having to reauthorize the transfer each month.

Other niches prime for on-demand payments:

Dwolla White Label has a host of options to provide you and your users the easiest on-ramp to ACH. It’s all about delivering the best solution, so you can give your user the best possible experience.

To learn more, chat with an integration specialist.

Reach out to an integration specialist now:

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.