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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.

Streamline Your B2B Payments

Dwolla's API-powered automation helps reduce costs, improve cash flow, and provide real-time payment tracking while offering access to instant payment networks for faster, more efficient B2B payments.
Modernize Your B2B Payments
B2B Payments Use Case Page-1

Manual Payments Cost More Than You Think

When making business-to-business (B2B) payments, companies often have to deal with inefficient, error-prone and costly file-based ACH processes and paper checks, which can delay payments and strain partner relationships.
1
Money Movement Challenges
Traditional file-based ACH processes are often inefficient and time-consuming. These inefficiencies can weaken relationships with partners, negatively impact reconciliation and cash flow, while increasing overall payment processing costs. 
2
Time-Consuming ACH Files
File-based ACH payments and paper checks are time-consuming and error-prone processes. Manual data entry and file validation can lead to errors and delays, increasing the risk of payment failure and impacting cash flow. 
3
Limited Tracking and Visibility
ACH files and paper checks offer limited tracking and visibility into the payment process. Once a file is submitted to the financial institution, it can be challenging for a business to determine if payments have been processed, received by the recipient or if any errors or exceptions have occurred. 
4
Lack of Instant Payment Options
The batch-processing nature of ACH and the manual processes of paper checks mean payments can take up to several days to clear, which can negatively impact cash flow and reconciliation. 
“What’s unique about Dwolla is their stronghold on ACH. And for business payments, ACH transactions for an invoice is usually more preferable. Dwolla helps us initiate ACH transfers which is huge in the B2B community. Paying out someone has to be timely and prompt. With Dwolla and leveraging the ACH Network, we have the ability to be relevant in this market.” 
B2B Payment Fintech CompanyCEO/Co Founder

The Benefits of Automating B2B Payments

Dwolla's API-powered automation helps reduce costs, improve cash flow, and provide real-time payment tracking while offering access to instant payment networks for faster, more efficient B2B payments.

Time and Cost Savings Through Automation

Payment automation through Dwolla can eliminate human error, reduce labor costs and accelerate payment processing times.

Streamlining the payment process and reducing costs helps businesses improve their financial efficiency and optimize their cash flow.

  • Dwolla’s API-based solution helps automate many ACH manual processes, such as file creation, validation and submission, and returns and error handling.
B2B ACH Payment Automation

Increased Data Visibility and Payment Tracking

Dwolla gives businesses access to real-time information about the status of their payments. This increased visibility helps businesses to reconcile accounts more efficiently, identify and resolve issues promptly and improve cash flow forecasting.

  • Webhooks help with cash flow and payment predictability by providing real-time payment information and notifications, including when payments run into issues.
  • Correlation IDs track payments end to end, connect payments initiated through Dwolla to payment information in other systems and can be used to automatically close out open accounts receivable.
Increased Data Visibility and Payment Tracking

Access to Instant Payments

Through Dwolla, businesses can take advantage of instant transfers, enabling them to send funds faster, improve cash flow and accelerate the payment cycle. Instant payments can also enhance their operational efficiency, reduce working capital needs and strengthen their relationships with suppliers and vendors.

  • Dwolla is connected to both the RTP® network and the FedNow® Service for real-time payment processing, and Dwolla’s API orchestrates payments between those two networks based on account coverage.
Instant ACH Payments

How B2B Payment Automation Works: Moving the Money

Automating ACH Payments
AP Platform Sends a Payment
An AP Platform uses ACH to send payments.
ACH Payment Automation
Manufacturer Paying a Supplier
A supplier sends an invoice to a manufacturing company for a shipment of raw materials.
Instant ACH Transfers
Factoring Companies Buying and Collecting on Accounts Receivable
A long-haul transportation trucking company sells its freight invoices to a factoring company, and the factoring company collects on those invoices when they’re due.

Automate your payments in as little as ten days.

Dwolla's full-service approach replaces legacy payments technology with a single solution, improving security, data visibility and the customer experience.

 

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