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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.

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.

One Vendor. One API. One A2A Payment Solution.

Dwolla simplifies the A2A payment experience through its Open Banking Services by providing instant account verification, balance checks, fraud mitigation and more.
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OPEN BANKING SERVICES

Your One-Stop Shop for A2A Payments

Traditionally, navigating the complexities of A2A payments has been a challenge for businesses, often requiring multiple vendors, APIs and technical integrations. Dwolla enables enterprises to digitally transform their payments by offering a comprehensive, modern solution encompassing instant account verification, balance checks, fraud mitigation and A2A transfers through a unified integration.

Comprehensive Solution
Dwolla’s single API enables enterprises to create rich payment experiences embedded within their applications through access to open banking services, including:
  • Verification of customer and business records 
  • The secure exchange of account credentials
  • Fraud mitigation
Reduced Time and Effort
Dwolla’s single vendor, single contract and single API solution for open banking services and payments simplifies operational and technical integration, as well as ongoing maintenance of payments solutions.
Bank Coverage and OAuth Connections
Dwolla’s scalable solution covers 95%+ of consumer accounts in the US, connects to 13k+ banks and includes 700+ OAuth connections which provide direct, secure and uninterrupted access to those institutions.
Open Banking Features and Functionality

MODERN, INSTANT SOLUTIONS INTEGRATED INTO DWOLLA’S API

Dwolla’s pre-integrations tailor open banking features and functionality for payments use cases and ensure a smoother implementation process for businesses, reducing complexity and accelerating time-to-market for A2A payment solutions. 

Instant Account Verification (IAV) Instantly (within seconds) confirm the bank account is open and active, and let customers continue through the authentication and payment flows immediately. This decreases abandonment rates for the account linking process and creates a smoother, more streamlined customer experience.  
Identity Verification (IDV) Compare details (such as the name, address, phone number and/or email address) on the bank account being linked to the information provided during sign up to help further verify account ownership and mitigate fraud.  
Real-Time Balance Check Check the real-time current and available balances in a bank account before pulling money from it to cover a transaction. This helps reduce the risk of returns due to insufficient funds.  
“We want to make sure we have a seamless process with our end users. We want to make things faster, more efficient and more secure for our clients.”
Financial ServicesChief Executive Officer
“We have opportunities to make a good solution even better with Dwolla. The biggest hurdle we’ve had to overcome was risk. We’ve reduced processing times and added volume, while reducing risk or negative events for our clients.”
HealthcareEnterprise Marketing Technology Consultant

“There hasn’t been any downtime or issues that prevented either the distribution or contribution side of our payment infrastructure. If the goal is to build a really great user experience, Dwolla is the best solution we’ve found.”

InvestmentsCTO

Collaborating with Industry Leaders

 

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Dwolla is strategically collaborating with Visa, a world leader in digital payments, to bring advanced account verification capabilities to Dwolla’s A2A solution. This relationship enhances Dwolla's ability to provide a single, streamlined solution for mid- to enterprise-sized businesses to pay and get paid via their bank accounts. Using Visa’s new open banking solutions integrated with Dwolla’s A2A payment technology, Dwolla clients can instantly verify account ownership and check balances in real time. Read about the collaboration between Dwolla and Visa.

 

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Dwolla has expanded its partnership with MX Technologies, Inc. to make it easier than ever for enterprises to manage money movement. Dwolla’s Open Banking Services take advantage of MX’s Instant Account Verifications (IAV) and account aggregation solutions to provide mid- to enterprise-sized businesses with bank verification and balance check capabilities. Read more about the expanded partnership between Dwolla and MX.

Leading Open Banking in North America

40+ Partners
20M+ End-Users
121M+ Annual Transaction Volumes
99.9% Uptime, 365 Days

Integrate pay by bank 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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