Skip to content
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Modernize outdated insurance payments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

Pay Out Funds Quickly and Securely

Businesses face challenges managing payouts (such as payments to gig workers and marketplace sellers) due to manual processes, security risks and poor user experiences. By automating payouts and prioritizing security, businesses can reduce costs, enhance efficiency and improve customer satisfaction.
Automating ACH Payouts

Manual Payments Cost More Than You Think

When making manual payouts, companies often have to deal with inefficient, error-prone and costly processes like paper checks and ACH file transfers, which can delay payments and strain partner relationships.
1
Money Movement Challenges
Mid- to enterprise-sized businesses face significant challenges when managing payouts. The complexities of manual processes, inherent security risks and user demand for faster payments make it difficult for companies to streamline processes and improve their payment experience. 
2
Operational Inefficiencies and Increased Costs
Many businesses grapple with cumbersome and time-consuming payment processes. Manual data entry, relying on multiple systems and a lack of automation contribute to operational inefficiencies that lead to delays, errors, cash flow issues and increased costs. Plus, using payment methods like credit cards, paper checks and wires means higher fees and more manual processes.
3
Payment Security Risks
Businesses that are dealing with outdated payment methods and manual processes struggle to meet their user’s expectations. Users become frustrated and dissatisfied when payments are slower than expected, delayed or require excessive manual intervention, which can lead to decreased user loyalty and potential churn.
“The time the team had previously used to manually process transactions was drastically reduced and there was no need to hire more personnel for other activities. Our manual workload decreased by 98% and the total time spent on transactions reduced by 80%—along with all of the errors that were prevented—thanks to automating ACH transactions.”
Transportation CompanyCEO

The Benefits of Automating Payouts

Dwolla's API-powered automation helps reduce costs, improve cash flow, and provide real-time payment tracking while offering access to instant payment networks for faster, more efficient payouts.

Time and Cost Savings Through Automation

Payment automation through Dwolla replaces time-consuming and error-prone manual processes and outdated payment systems. This can save businesses valuable time and resources, improve cash flow and decrease overall payment costs.

  • Use A2A payment methods (including instant payments) and automation through Dwolla's API to speed up payment processes, save time and money and reduce manual efforts and the risk of human error.
  • Eliminate the tedious task of writing and sending thousands of checks or initiating individual transfers by programming up to 5,000 ACH or instant payouts at a time via the Dwolla API.
ACH Payment Automation

Increased Payment Security

Since Dwolla is a tokenized solution, account and routing numbers are stored and transmitted with a token instead of having to pass the numbers themselves every time a payment is sent. 

  • Increase security by replacing sensitive data with tokens so the data isn’t transmitted when a payment is sent through Dwolla.
  • Decrease the risk of sensitive data being intercepted by bad actors.
  • Eliminate manual processes to reduce human error and the number of people with access to sensitive data.
Increased Payment Security

Improved User Experience

Dwolla’s white-label solution allows businesses to integrate bank account verification and payouts (including instant payment methods) into their existing application. In doing so, they can control the branding and tailor the customer experience to their users.

  • Instantly confirm bank accounts are open and active so users can continue through the authentication and payment flows immediately. No need for users to know their account and routing numbers or wait on micro-deposits.
  • Perform the whole payment process in-platform. This speeds up the payment, streamlines the customer experience and decreases the burden on your customer support and operations teams.
  • Offer users a variety of cost-effective payment speeds through a single API, including faster payments like Same Day ACH, RTP® and FedNow®, to improve customer satisfaction and experience.
Improved User Experience

How Payout Automation Works: Moving the Money

Instant ACH Tranfers
Sending Payments to Content Creators
Providing payout options to content creators (like podcasters, bloggers and influencers) gives them the flexibility to be paid when and how they want for the content being purchased.
Secure ACH Transfers
Getting Funds to Gig Economy Workers Fast
Gig economy workers (such as delivery drivers, ride-sharing drivers and freelancers) want paid for their services through instant (within seconds) payment methods.
Instant ACH Payments
Distributing Marketplace Earnings to Sellers
Marketplaces that want to scale need a way to automate and streamline the process of paying out sellers for goods and services sold.

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.

 

cta-image

Talk to an Expert

Let's build something innovative together.