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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.

INDUSTRIES

Insurance
Modernize outdated insurance payments

Real Estate
Revolutionize your real estate payments

Lending
Accelerate your lending operations

Healthcare
Elevate your healthcare payments

Manufacturing
Transform your manufacturing payments

 

 
USE CASES

B2B Payments
Streamline your business payments

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

Payouts
Pay out funds quickly and securely

CUSTOMER STORIES

Automated ACH payments saved this pet insurance company 92% in costs.

This real estate platform found success using ACH payments to fight fraud.

This fintech leveraged Dwolla's API for faster money movement.

This insurtech platform increased transaction volume by 45%.

This education platform scaled transactions from zero to 180k+ in six months.

LEGAL DOCUMENTATION

About Our Financial Institution Partners

Summary of Changes to the About Our Financial Institution Partners page - January 21, 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 Dwolla Account Terms of Service. To see all of the changes, please read the full Dwolla Account Terms of Service.

  1. Under the header, we’ve added a Last Updated date of January 21, 2025.
  2. We updated Section 3 to remove references to one of our RTP financial institution providers.

 

About Our Financial Institution Partners

Last Updated: January 21, 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. 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.