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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.

LEGAL DOCUMENTATION

About Our Financial Institution Partners

Summary of Changes to the About Our Financial Institution Partners page - October 17, 2025
We are updating the About Our Financial Institution Partners page, which applies to your use of the Dwolla Account, Dwolla-Enabled Services and/or Dwolla Platform. The following provides a summary of the changes to the About Our Financial Institution Partners page. To see all of the changes, please read the full About Our Financial Institution Partners page.

  1. Under the header, we’ve added a Last Updated date of October 17, 2025.
  2. We deleted Section 2 which referenced Evolve Bank & Trust.

About Our Financial Institution Partners

Last Updated: October 17, 2025

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. Veridian Credit Union also holds funds in the Dwolla Balance that have been assigned a Virtual Account Number.  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, the Virtual Account Number feature, and Wire transfers to Dwolla users.
  2. KeyBank National Association, Member FDIC. KeyBank, N.A., Member FDIC, provides ACH transfer services to Dwolla users. Dwolla client and customer funds at KeyBank, N.A., Member FDIC, are held in a Dwolla Balance. Your Dwolla Balance at KeyBank, N.A., Member FDIC, if any, is held in a subaccount of a for benefit of account. Dwolla clients and their customers who have a Dwolla Balance at KeyBank, N.A., Member FDIC, are customers of KeyBank. Dwolla is a financial technology company, not an FDIC insured bank. FDIC insurance protects against the failure of an FDIC insured bank, but does not protect against the failure of Dwolla or any losses due to fraud or theft.