By: Ben Milne,

In 2011 we released an OAuth API that made it easy for developers to request transfer permissions from their customers with our Dwolla-branded platform.

Today we’re making the ability to bill your customer later available for our Dwolla White Label customers in our v2 API.

It’s called On-Demand Bank Transfers.

Developers using our white label APIs can enable their payers to authorize transfers for variable amounts from their bank account using ACH at a later point in time for products or services delivered. It’s one simple additional step—a quick authorization from the customer when they instantly verify a bank account. This is great for companies like:

The instant bank verification and on-demand authorization occur with Dwolla.js to make it incredibly easy to add to your software. It adds an extra step to the bank transfer process when verifying the bank to acquire the permission for the account holder.


Once you have collected all of the authorizations required for a bank transfer, including the additional authorization from the end user for on-demand bank transfers, your software application kicks off a transaction that looks like this whenever the customer needs to be billed:

    "_links": {
        "source": {
            "href": ""
        "destination": {
            "href": ""
    "amount": {
        "currency": "USD",
        "value": "225.00"
    "metadata": {
        "customerId": "8675309",
        "notes": "Payment for January 2016"

As usual, there are no per transaction fees for either party in the transaction, and with our white label services your brand is front and center. If you’re a developer and have more questions, head to our API Support discussion board and post your questions. Our engineering team regularly reads and responds on the board.

The cost and complexity to make bank transfers better isn’t unknown and it affects new fintech companies, large established business, and even big VC’s… We all have the same problem.

We didn’t either and that’s why our team has spent the last 5 years focused on bank transfers. It’s why we feel on demand bank transfers are so incredibly valuable for our customers.

There is a better way and we’re excited to be a part of building the future making bank transfers easier for businesses and developers.

Get started with your own integration

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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.