Skip to content
Payment Methods

Standard ACH
Standard processing times.

Same Day ACH
Expedite your payments.

Instant Payments
Transfers in near real-time.


Real-time notifications.

Dwolla Dashboard
Access and manage your payments data through the our user-friendly interface.

Correlation IDs
Tracking transactions and reconciling bank records.

Addenda Records
Additional transaction information, like a note or memo.


Open Banking Services
Instant account verification, balance checks and fraud mitigation.

Digital interactions result in unique identifiers.

Bank Verification
Smoother, safer, more efficient transactions.

Secure Exchange Solution
Securely exchange data with trusted partners.


Sandbox Environment
Simulate use cases and try out features.

Dedicated Support
Supporting your payments journey.

6 min read

Unpacking the Developer Experience (DX): Streamlining Payments for Developers

Dwolla has two product offerings focused on simplifying and streamlining account-to-account (A2A) payments for businesses. Dwolla Connect leverages your existing banking relationships and corresponding commercial bank accounts to integrate modern payment processing capabilities into your operations. Dwolla Balance is a digital wallet-based solution that lets you and your users hold funds and initiate payments. It utilizes our established relationship with financial institution partners to connect your business to the U.S. banking infrastructure.

With both products, Dwolla’s embedded payments API gives your brand considerable control over the design of the payments experience to align with your brand identity. Dwolla sits behind the scenes and acts as the powerful engine that orchestrates each step of your A2A payments, ensuring speed, security, and efficiency. Since the API is the primary focus for Dwolla’s product suite it’s imperative that we provide a first-class experience for developers. Developer experience (DX) encompasses all aspects of how developers interact with, learn and integrate the Dwolla API into their applications. 

Since the inception of our API, Dwolla’s DX has continued to grow and adapt to meet the needs of our developer audience. In this blog, we’ll focus on three critical aspects of the Dwolla DX including ease of use, documentation, and tools and support. Let’s dive in!

1. Ease of Use

Our API isn't just an afterthought; it's the very foundation of our platform. We firmly believe in an API-first approach to product development, treating our API as a first-class citizen. This means we dedicate significant resources and meticulous attention to detail in crafting a powerful yet accessible API experience.

Our primary goal is to abstract away complexity for integrating developers. We understand that navigating a complex API structure with inconsistent responses and vague error messages can be time-consuming and frustrating. That's why we invest heavily in simplifying and streamlining our API, making it intuitive, predictable, and easy to integrate. Before we start on API development, we iterate on the design and emphasize the needs of actual users, considering their workflows, constraints, and expectations. The design adheres to the core principles of a RESTful API, but prioritizes usability, allowing for sensible deviations for an intuitive developer experience. Let’s explore the characteristics that make Dwolla’s API developer-friendly:

Intuitive Design

  • Logical API Structure: Our API endpoints follow a clear and consistent naming convention, making it easy to navigate and understand the relationships between resources. The primary workflow involves interaction with three main resources to create a user, add their payment account, and initiate a transfer. 
  • Clear and Concise Responses: API responses follow a consistent JSON format across all endpoints with clear and concise messages that are easy for developers to understand and parse. This reduces the need for extensive documentation exploration and speeds up development time.
  • Search, Pagination, and Filtering: When interacting with large data sets, the API offers several ways for API consumers to narrow their results.  

Standards Compliance

  • RESTful Design: Our API adheres to RESTful principles, making it familiar and easy to integrate with your existing tools and frameworks.
  • JSON-HAL (JSON Hypertext Application Language): The API adopts JSON-HAL to implement hypermedia, promoting improved discoverability and ease of use for API consumers.
  • Security and Authentication: The API uses industry-standard protocols (OAuth2.0 and JWT) to protect access to API resources. Access tokens are short-lived and support granular permissions to access data in the API. 
  • OpenAPI Spec: We provide OpenAPI specification for developers that describe the API in detail. This specification allows developers to easily generate client libraries and tools for their specific programming language and environment.

2. Documentation

Since the API serves as the primary building block for interacting with the Dwolla platform, the importance of excellent developer documentation cannot be overstated. The developer documentation acts as the blueprint, allowing you to connect the dots correctly to build an account-to-account payment solution. We recognize that clear, comprehensive, and accessible documentation is critical to empowering developers throughout their development journey. As the Dwolla platform evolves, the documentation should evolve alongside it; taking into account the developer audience and their intended usage. Here are a few key areas we hone in on to meet the needs of our users:

Depth and Clarity

  • Comprehensiveness:  Our developer documentation caters to many different types of users, expertise levels, and stages they are at in their journey. Therefore, we have to consider multiple elements based on the user’s intended goal. The API Reference describes our API endpoints, request data, response fields, authentication, headers, and more. Step-by-step guides walk you through accomplishing specific tasks with the API. Lastly, conceptual articles dive deeper into specific foundational topics related to the API.
  • Clarity: Our focus is on simplicity with crystal-clear explanations. We avoid the jargon and embrace plain language, all while actively seeking developer feedback to keep things easy to understand.

Organization and Navigation

  • Content Structure: We understand that poorly structured developer documentation can lead to frustration and wasted time. Our goal is to organize content to reduce cognitive load and group content so you can quickly find the information you need. Content that is well organized helps you build a mental model of how things work together. 
  • Searchable and Navigable: If you do run into a roadblock, we have an easily accessible search function that helps you pinpoint the information you need right away. We put a lot of emphasis on the side navigation to guide developers where they need to go next. The side nav is a map that enables you to seamlessly navigate between different sections without getting lost. 

3. Tools and Support

Lastly, we believe a great developer experience extends beyond just the API and developer documentation. We're committed to providing you with the tools and support you need to confidently accelerate your development journey. Here's how we help you succeed:

Libraries and Code Examples

  • SDKs (Software Development Kits): We offer a wide range of SDKs and libraries in popular languages like Python, Node.js, PHP, Ruby, Java/Kotlin, and C-Sharp. Our open-source SDKs allow you to contribute, customize, and extend them to fit your specific needs.
  • Concrete Examples: Code examples serve as practical illustrations of API usage, demonstrating how to implement functions in various programming languages. 

Engaging Learning and Support

  • Helpful Team: Dedicated account management and developer support provide prompt and personalized assistance. Our friendly and knowledgeable support team is always here to answer your questions, troubleshoot issues, and guide your development process and beyond.
  • Extensive Resources: We offer many resources, including blog posts, newsletters, and product release notes, to keep you informed and equipped.
  • Community Forums and Knowledge Base: Foster a vibrant developer community with dedicated forums, Q&A platforms, and chat channels for peer-to-peer support and knowledge sharing.

Fast Sign-up and a Fully-Featured Sandbox

  • Effortless Enrollment:  Sign up with Dwolla in minutes and instantly access a dedicated sandbox environment. Experiment, test, and build without delay.
  • Automatic API Key Provisioning: No need to contact Dwolla to generate API credentials and configure a test account. Dwolla automatically generates them upon sign-up, giving you immediate control and access.
  • Isolated Sandbox Environment: Experiment without worries in our dedicated sandbox environment. A simulated environment where developers can imitate “live” use cases, safely test your API calls and responses in a controlled setting and mock out low-volume and high-volume data.

Dwolla Connect and Dwolla Balance offer powerful solutions for streamlining and simplifying account-to-account payments. But the real power lies in the developer experience that fuels these solutions. Our API-first approach prioritizes developer experience, providing the tools and support you need to succeed at every step of your journey.

Here's what sets Dwolla apart:

  • API-First Approach: We prioritize a well-designed, user-friendly API, ensuring a smooth and intuitive experience for developers.
  • Clear and Consistent Design: Logical structure, intuitive naming conventions, and consistent responses minimize frustration and speed up development.
  • Comprehensive Documentation: Catering to various expertise levels, our developer documentation offers depth, clarity, and easy navigation.
  • Dedicated Support & Resources: Our friendly team and extensive resources provide ongoing guidance and assistance.

Ready to get started? Let us help you build secure, efficient, and innovative A2A payment experiences that empower your business and users!

Contact Sales

Related Articles