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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.

Tracking Transactions & Reconciling Bank Records

Correlation IDs allow businesses to easily track and reconcile payments by creating a common identifier between Dwolla and other systems.
Modernize Your Payments
Correlation-id

The Benefits of Correlation IDs

In order to truly reap the benefits of automating payments, you need a single identifier to help you track payments from end-to-end across systems and help you close out payables and receivables in your systems. This is where correlation IDs come into play. Instead of having to build a process that matches payments in your system to Dwolla or bank payment IDs, you can build in an identifier (a correlation ID) to do that matching for you automatically.

The Correlation ID value can be specified on API requests to create a Dwolla Transfer or External Party resource. Whether you use this optional parameter to correlate internal transfers, order confirmation numbers, business IDs or even a timestamp, its simplicity provides a lot of power.

End-to-End Payment Visibility
Ensure payments can be tracked from initiation all the way through to completion. Using a Correlation ID improves the traceability of a transaction between two systems.
Automated Reconciliation
The Correlation ID eliminates manual intervention in the reconciliation process by linking the payment from your system to the automated webhook notifications as the payment status updates.
Searchable Within Dwolla’s API
Concerned about a transaction? Call the API using your Correlation ID to easily locate and view updates on any transaction in question.
“Our business transactions have seen tremendous growth monthly and quarterly, and I want to say that the ease of making payments remains the same with Dwolla, which is what we like to see.”
Financial Services CompanyChief Operating Officer

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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