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PAY BY BANK

Instant Payments
Send funds instantly via the RTP® Network and FedNow® Service.

Same Day ACH
Move money faster with same-day bank transfers.

Standard ACH
Reliable, low-cost bank transfers at standard processing times.

 

 

 
FEATURES

Unified API
One integration across ACH and real-time rails — less to build, less to maintain.

Automated Payments
Reduce manual workflows and exceptions with automated bank transfers.

Mass Pay
Disburse to thousands of recipients with a single API request.

Open Banking Services
Verify accounts instantly, check balances, and reduce fraud exposure.

Digital Wallet
Hold funds on-platform to initiate faster, more flexible transfers.

 

 

Data Visibility
Track, reconcile, and report on payment activity across all rails.

Security
Tokenization, bank verification, and 24/7 monitoring for high-stakes money movement.

Integration
Go live faster with robust developer docs and a dedicated integration team.

Sandbox Environment
Test payment flows and edge cases before you go live.

Dedicated Support
Expert support from onboarding through scale — real people when it matters.

SOLUTIONS

Enterprise
Hold and move funds with an embedded digital wallet.

Balance
Hold and move funds with an embedded digital wallet.

Connect
Integrate Dwolla with your existing banking relationship.

 
USE CASES

B2B Payments
Move large payment volumes with clean reconciliation and fewer exceptions.

Marketplaces
Pay out sellers and vendors reliably at scale.

Property Management
Automate rent, deposits, refunds, and owner payouts.

Unload/Load Digital Wallet
Move funds on and off your platform with a single integration.

Payouts
Pay out funds quickly and securely

AP/AR Payments
Reduce manual AP/AR workflows and reconciliation overhead.

Buy Now, Pay Later (BNPL)
Support installment disbursements and repayments with standardized exception handling.

INDUSTRIES

Insurance
Automate reimbursements and disbursements with traceable, predictable outcomes.

Real Estate
Move high-stakes funds with the operational clarity and fraud controls real estate demands.

Lending
Standardize disbursements and repayments across ACH and real-time rails.

Healthcare
Modernize bank transfers for billing, claims, and provider payouts.

Manufacturing
Move supplier and vendor payments with less manual overhead and better visibility.

Securing a Payment API

At Dwolla, security is at the forefront of everything we do.
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Shielded From the Adversaries

We understand that trust is paramount in the financial industry, so we've implemented sophisticated security practices to help safeguard your data and give you peace of mind. Dwolla maintains a SOC 2 type 2 report focused on the Security trust principle and our Information Security (InfoSec) team is dedicated to protecting our data from potential adversaries using a defensive strategy against prospective threats. We believe security work is never done, so we are always striving to improve our practices.

Our commitment to security is built on a multi-layered approach that encompasses our technology, our people and our culture.

Security in Action

Real Estate Platform Achieves Zero Fraud — replaced wire transfers with secure ACH See all stories →

1
Ongoing Education
All Dwolla employees are required to complete annual Information Security and Privacy training, and our Engineering and InfoSec teams also receive advanced Information Security training.
2
Community Conscious
Dwolla uses tokenization to decrease the value of financial transaction messages, as sensitive information is replaced with a token and unique identifiers.
3
Endpoint Security
Dwolla secures all devices with access to its resources by monitoring them with known-good configurations and multiple security agents.
4
Continuous Monitoring
Dwolla's platform is monitored 24/7/365 using a combination of internal and external tools and services. This includes monitoring Dwolla Platform API endpoints, infrastructure, service and event monitoring.
5
Border Protection
Dwolla uses a combination of AWS virtual private clouds (VPCs) and an Enterprise partnership with Cloudflare to provide a secure and highly available platform edge.
6
Vulnerability Management
Dwolla performs penetration tests on a bi-annual basis and maintains relationships with multiple external providers of security assessment services. 
For a deeper dive into our comprehensive security measures, please visit our dedicated security website.
 “At Dwolla, we are continuously testing because we should know adversarial techniques. Our Information Security Program focuses on the latest technologies and understanding how they are being exploited.”
Skyler NesheimDwolla’s Chief Technology Officer and Chief Information Security Officer
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