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PAY BY BANK

Instant Payments
Real-time payment processing.

Same Day ACH
Same day payment processing.

Standard ACH
Standard processing times.

 

 

 
FEATURES

Unified API
Fast transactions integrated with open banking all in one platform.

Automated Payments
Modernize your payments with pay by bank automation.

Mass Pay
Send multiple bank transfers with a single API request.

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

Digital Wallet
Initiate faster transactions by utilizing Dwolla's Digital Wallet to hold funds.

 

 

Data Visibility
Access and manage your payments data through our user-friendly dashboard.

Security
Dwolla's platform is monitored 24/7/365 using a combination of internal and external tools and services.

Integration
Dwolla makes integrating pay by bank payments fast and easy.

Sandbox Environment
Simulate use cases and try out features.

Dedicated Support
Supporting your payments journey every step of the way.

SOLUTIONS

Enterprise
High-transacting payment automation

Balance
A digital wallet solution

Connect
Bring your own bank

 
USE CASES

B2B Payments
Streamline your business payments

Marketplaces
Facilitate fast and reliable payments to your platform's sellers

Property Management
Efficiently manage rental income and outgoing property expenses

Unload/Load Digital Wallet
Seamlessly move funds on and off your platform

Payouts
Pay out funds quickly and securely

AP/AR Payments
Automate accounts payable and receivable to improve cash flow and boost efficiency

Buy Now, Pay Later (BNPL)
Modernize installment payments with secure pay-by-bank

INDUSTRIES

Insurance
Upgrade your insurance payment processes for speed and efficiency

Real Estate
Streamline payment flows for every property transaction

Lending
Expedite loan disbursements and streamline repayment collections

Healthcare
Simplify patient billing and streamline provider reimbursements

Manufacturing
Optimize B2B payments across your supply chain and operations

Move money like a fintech—without becoming one.

Dwolla is the infrastructure for teams running high-volume bank payments. We unify ACH and real-time rails behind a single integration and standardize the operational hurdles.

Modernize Your Payments
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Trusted infrastructure with 16+ years of payments expertise

Dwolla helps platforms and enterprises run high-volume bank payments through a unified integration.

Automating Real Estate Payments

Dwolla helps real estate platforms move high-stakes funds with traceable outcomes and operational clarity, so teams can reduce fraud exposure, resolve exceptions faster, and operate with confidence when timing and confirmation matter.

 

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Instant Payments for the Lending Industry

As lenders push faster disbursements and repayments, unclear signals and exceptions create uncertainty. Dwolla standardizes payment status and exception handling so teams can detect failures earlier, reduce returns, and scale with fewer surprises—while supporting ACH and real-time options as needed.

 

A group of business individuals shaking and with charts on the table.

 

Securing Online Payments for the Healthcare Industry

Dwolla provides healthcare companies with the tools required to digitally transform payment processing, improving your payment speed, security and patient experience.

 

Woman sitting at a computer.

 

Digital Payments Elevate the Insurance Industry

Outdated payments like paper checks and file-based transactions plague the insurance industry. Dwolla helps you digitally transform your payments tech stack, improving cash flow, payment predictability, security and policyholder experience.

 

Three people sitting at a table shaking hands.

 

Transforming Payments in Manufacturing

Buyer-supplier relationships are enhanced by Dwolla’s ability to equip manufacturing companies with the tools and technology required to improve your payment speed, efficiency and security.

 

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Pioneering the Future of Finance

25M+ End-Users
126M+ Annual Transaction Volumes
$82B+ Annual Transactions
99.9% Platform Uptime

Up to 92% cost savings vs. legacy approaches

Dark Orange (1)
Unified bank payments
One integration across rails means less vendor sprawl and less duplicated logic.
Dark Orange (2)
Consistent operational behavior across rails
Standardized statuses, errors, and recovery workflows result in fewer exceptions and less “rail-by-rail” troubleshooting.
Dark Orange (3)
Control and confidence at transaction scale
Visibility and controls that support high-volume operations, governance, and risk management.
token-exchange_icon-Dark Orange
Reduced integration effort and ongoing maintenance
Dwolla owns the payments layer, so Product teams can focus on the roadmap and not payment upkeep.

Ready to modernize your bank payments?

Talk to a Payments Expert
“Beyond the user-friendly API and competitive pricing of Dwolla’s solution, we also turned to them because we trusted in the people behind the solution." - Cyrus Summerlin
Financial ServicesCEO and Founder

“Our return on investment was almost immediate. We were able to get up and running in no time with Dwolla’s straightforward API. Dwolla’s flexible options such as Same Day ACH gave us the flexibility our customers demand."

TransportationCEO

“The time savings component is huge for us, as we would have had to hire an additional employee to support our previous payment processes. Dwolla saves us time and provides us with great customer service and responses on the same day. When dealing with service providers—that’s rare.”

InsuranceSenior Controller

“We wanted to capture the speed of money movement today, and Dwolla’s solution is the core piece that helped us digitally transform our funds flow that powers the whole process that makes our product work.”

FintechCo-Founder

“Dwolla’s customer service and the ability to get a response from a human being quickly has made our business thrive. The fast turnaround of customer support is the reason we think Dwolla is the backbone of our company.”

Real EstateCTO
"Compared to other unions that had to find a new form of collecting payment dues and convert their membership to a new system, we have outpaced any other state in the history of these legal changes, and we are the largest state to do it. Of all the states that faced this challenge, nobody got as far as we did as fast as we did, thanks to leveraging the Dwolla payment solution.” - Anthony Roeder
EducationDirector of Information Technology

Automate and Scale Your Payments

Businesses burdened by manual processes and outdated payment methods like paper checks and legacy files can unlock significant advantages by transitioning to a payments API like Dwolla. ACH payment automation can reduce errors, accelerate payment processing and improve cash flow visibility.

Branded Application on a Phone

Send Instant Payments

Say goodbye to long payment processing times with Dwolla. Our payment technology provides access to real-time payment processing to clear and settle payments almost immediately, turning your company into an instant payments organization.

  • Send Real-Time Payments
  • Improve Payment Transparency
  • Initiate RTP or FedNow Transfers From Your Existing Bank
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Access Open Banking Services

Are you juggling multiple vendors, APIs and technical integrations? Step into the future of payments with Dwolla’s modern, comprehensive solution that provides instant account verification, balance checks and secure ACH, RTP and FedNow transfers through unified integrations with industry leaders.

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Transforming Payments: Enhancing Cash Flow, Strengthening Security and Elevating the Customer Experience

 
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