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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 Property Management Payments with Pay by Bank

Integrating payments presents challenges for property management platforms through high costs, poor user experiences and complex system integration. Dwolla's unified API offers a solution with lower-cost pay-by-bank payments, customizable UX and streamlined integration.
Streamline Your Payments
Real estate

Complex Payments Cost More Than You Think

Property management platforms frequently encounter challenges when integrating payment functionalities, impacting efficiency, financial health and relationships with owners and tenants.
1
Money Movement Challenges
Disjointed payment processes require customers to go off-platform and do not have the ability to verify bank account information before pulling money onto their platform or pushing it out to a user. Building an in-house solution to fix these problems is difficult and expensive due to the complex nature of the U.S. payments system.
2
High Transaction Costs

Elevated transaction fees diminish profitability. Passing these fees to property managers can reduce platform competitiveness, while charging tenants can cause dissatisfaction.
3
Poor User Experiences
Poor UX discourages the adoption of online payments and prompts reliance on less efficient manual methods. Payment errors and delays become more frequent, increasing administrative burdens.
4
Integration Challenges with Existing Systems
Ensuring accurate data synchronization and reconciliation across disparate systems is difficult, and poor API documentation and limitations further complicate the integration process and increase development risks.
“If you are wanting a really good user experience and not wanting to send your users to a third party to connect a bank account, I don’t think you have a choice. Dwolla is right up there in terms of an API, it’s probably the best solution we’ve found in terms of facilitating payments.”
Real Estate CompanyChief Technology Officer

The Benefits of Dwolla's Pay-by-Bank Solution

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 payouts.

Improved User Experience

Dwolla’s flexible solution allows property management platforms to fit payments into the current flows of their platform for a great user experience. This helps accelerate adoption of digital payment methods and eliminate the need for time-consuming and error prone manual processes.

  • Easily integrate payments into your current platform and maintain control of the branding and tenant and landlord experiences with Dwolla’s white-label solution.
  • Perform the whole payment process in-platform. This speeds up the payment, streamlines the customer experience and decreases the burden on your customer support and operations teams.
Improved User Experience

Reduce Costs and Improve Profitability

Dwolla’s unified API provides access to automated pay-by-bank payments that can offer lower transaction fees, increasing profitability and improving the property manager and tenant user experience.

  • Connect to pay-by-bank payment rails including cost-effective ACH and faster payment options, such as Same Day ACH and instant payments via the RTP® network and FedNow® Service.
  • Allow property managers to offer automated recurring payments to their tenants, which can decrease the number of missed/late payments and improve experiences for both parties.
Reduce Costs and Improve Profitability

Streamlined Integration

Dwolla's ACH API streamlines the integration of payment functionality into your property management platform. By connecting to a single provider, you abstract away the complexities of multiple integrations, reducing development time and costs.

  • Integrate pay-by-bank payments and Open Banking Services, including instant account verification and real-time balance checks, through a single, well-documented platform.
  • Leverage comprehensive developer docs, a fully simulated sandbox environment and dedicated support to accelerate integration.
  • 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.
Streamlined Integration

Examples of How the Money Moves

Secure ACH Transfers
Rent Collection from Tenants
Tenants can directly debit their bank accounts for rent payments via pay-by-bank transfers. This can be set up as recurring automated payments for timely collection.
Instant ACH Payments
Security Deposit Payments
Tenants can use pay-by-bank transfers for initial security deposits, providing a secure and auditable payment method.
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Disbursement of Funds to Property Owners
Property management companies can use pay by bank to disburse rental income and other funds directly to property owners' bank accounts.
Real-time ACH Payments
Direct Payments from Tenants to Landlords
Payments can go directly from tenants to landlords without involving the property management platform in the payment flow, helping to reduce regulatory and compliance risk.

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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