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Payment Methods

Standard ACH
Standard processing times.

Same Day ACH
Expedite your payments.

Instant Payments
Transfers in near real-time.

 
Features

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

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

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

Drop-In Components
Complete a payment integration more quickly using pre-built components.

Webhooks
Real-time notifications.

Correlation IDs
Tracking transactions and reconciling bank records.

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

Security

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

Tokenization
Digital interactions result in unique identifiers.

Bank Verification
Smoother, safer, more efficient transactions.

Secure Exchange Solution
Securely exchange data with trusted partners.

Benefits

Sandbox Environment
Simulate use cases and try out features.

Dedicated Support
Supporting your payments journey.

LEGAL DOCUMENTATION

About Our Financial Institution Partners

About Our Financial Institution Partners

Financial institutions play an important role in our network. Dwolla operates a software platform that sends your payment instructions to our financial institution partners. Any funds transferred using the Dwolla Platform are transferred by one or more of our financial institution partners, depending on the method of payment. Currently, our financial institution partners are:

  1. Veridian Credit Union. Dwolla, Inc. is an agent of Veridian Credit Union. Your Dwolla Balance, if any, is held in one or more pooled holding accounts held by Veridian Credit Union. In addition, Real-Time Payments are performed by Veridian Credit Union, which holds funds on behalf of Recipients of such transactions in one or more pooled holding accounts held by Veridian Credit Union. These funds may not be eligible for share insurance by the National Credit Union Share Insurance Fund. All Dwolla clients and their customers are customers of Veridian Credit Union, which provides ACH, Real-Time Payments and Wire transfers to Dwolla users.
  2. Evolve Bank & Trust. Evolve provides ACH and Wire transfer services and holds all funds in any Dwolla Balance that has been assigned a Virtual Account Number. Dwolla clients who use our Virtual Account Number feature and their customers are customers of Evolve Bank & Trust. All Evolve accounts are subject to the applicable Demand Deposit Account Agreement.
  3. Cross River Bank. Cross River Bank provides Real-Time Payments to Dwolla users. Cross River Bank holds funds on behalf of Recipients of such transactions in one or more pooled custodial accounts. These funds are not subject to FDIC pass-through deposit insurance.