ACH Payment Infrastructure
Move money directly from bank accounts.
Innovative Companies Are Programming Their Payments
It got so bad that we began using a credit card to accelerate payouts. When you’re a marketplace, sacrificing two-to-three percent of your profit margin to maintain a user experience that you don’t even control is just bad business.
- Co-founder
Moving Money in 3 Steps
Send, collect or facilitate electronic payments within your application.
Create a Customer
Customize the onboarding flow to only ask for the information you need from new users.
Attach a Funding Source
Without storing any sensitive data, attach a bank account or debit card.
Initiate a Transfer
Initiate a payment and move funds from the source account to the destination account.
Using Dwolla, Kidfund, outpaced its transferred funds projection by 20%
To enable and simplify the contribution of funds directly into a child’s savings account, Kidfund launched as an application to allows parents, friends and family to contribute in growing kids’ funds. The app aims to help parents increase the number and frequency of transfers to their child’s account to build a larger fund while enabling family and friends to give cash gifts directly to the child’s savings account.
ACH is not a simple process to understand. If you told me I had to deal with SFTPing fixed-width text files to a bank or the Federal Reserve, I would probably run. But Dwolla takes all of that complexity and wraps it up behind a well-documented API that does exactly what it says it does.
- Sr. Developer
Implement a Modern and Trusted Payments API
Our vision is a world that can move money simply and securely.
Dwolla was founded in 2008 on the simple idea that moving money should be affordable, easy and fast. We were tired of the high fees and manual processes associated with initiating payments. We knew there had to be a better way—so we built one.
Today, businesses are using Dwolla to facilitate the movement of billions of dollars with a flexible, reliable and easy-to-use payments platform. We’ve made an incredibly complex process of navigating the various payment networks and regulations feel simple for our customers and their end users.
Dwolla offers simplicity where we can do everything under one API, with one team. If you want an all-in-one shop that can service the bank authentication and initiate ACH transfers, in lieu of going after these disparate parts—Dwolla is your solution.
- VP of Product
Success Stories
Integration is easy. Let’s get you paid.
Choose the best time to get started here.
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Validated
Controls that are continuously tested internally and externally.
Scalable
Millions of users depend on the reliability of Dwolla’s API.
Developer-Friendly
Integrate and move money with three easy endpoints.
Configurable
Easily connect bank accounts and move money.