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Dwolla: Streamlined Pay by Bank & Automated ACH Solutions for Businesses















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- Platform

- Payment Methods

- Instant Payments
- Same Day ACH
- Standard ACH
- Features

- Digital Wallet
- Dwolla Dashboard
- Mass Pay
- Drop-In Components
- Webhooks
- Correlation ID
- Addenda Records
- Security

- Open Banking Services
- Tokenization
- Bank Verification
- Secure Exchange Solution
- Benefits

- Sandbox Environment
- Dedicated Support
- Solutions

- Use Cases

- B2B Payments
- Load/Unload Digital Wallet
- Payouts
- Industries

- Insurance
- Lending
- Real Estate
- Manufacturing
- Healthcare
- Developers

- Developer Docs
- Developer Forum
- Platform Support
- Learn

- Blog
- Resources
- Platform Support
- Pricing

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- Platform

- Payment Methods

- Instant Payments
- Same Day ACH
- Standard ACH
- Features

- Digital Wallet
- Dwolla Dashboard
- Mass Pay
- Drop-In Components
- Webhooks
- Correlation ID
- Addenda Records
- Security

- Open Banking Services
- Tokenization
- Bank Verification
- Secure Exchange Solution
- Benefits

- Sandbox Environment
- Dedicated Support
- Solutions

- Use Cases

- B2B Payments
- Load/Unload Digital Wallet
- Payouts
- Industries

- Insurance
- Lending
- Real Estate
- Manufacturing
- Healthcare
- Developers

- Developer Docs
- Developer Forum
- Platform Support
- Learn

- Blog
- Resources
- Platform Support
- Pricing

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###### **PAY BY BANK**

**Instant Payments
**Real-time payment processing.

**Same Day ACH**
Same day payment processing.

**Standard ACH**
Standard processing times.

###### **FEATURES**

**Unified API
**Fast transactions integrated with open banking all in one platform.

**Automated Payments
**Modernize your payments with pay by bank automation.

**Mass Pay**
Send multiple bank transfers with a single API request.

**Open Banking Services**
Instant account verification, balance checks and fraud mitigation.

**Digital Wallet**
Initiate faster transactions by utilizing Dwolla's Digital Wallet to hold funds.

**Data Visibility**
Access and manage your payments data through our user-friendly dashboard.

**Security**
Dwolla's platform is monitored 24/7/365 using a combination of internal and external tools and services.

**Integration**
Dwolla makes integrating pay by bank payments fast and easy.

**Sandbox Environment**
Simulate use cases and try out features.

**Dedicated Support**
Supporting your payments journey every step of the way.

###### **SOLUTIONS**

**Enterprise
**High-transacting payment automation

**Balance**
A digital wallet solution

**Connect**
Bring your own bank

###### **USE CASES**

**B2B Payments**
Streamline your business payments

**Marketplaces**
Facilitate fast and reliable payments to your platform's sellers

**Property Management**
Efficiently manage rental income and outgoing property expenses

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

**Payouts**
Pay out funds quickly and securely

**AP/AR Payments**
Automate accounts payable and receivable to improve cash flow and boost efficiency

**Buy Now, Pay Later (BNPL)**
Modernize installment payments with secure pay-by-bank

###### **INDUSTRIES**

**Insurance**
Upgrade your insurance payment processes for speed and efficiency

**Real Estate**
Streamline payment flows for every property transaction

**Lending**
Expedite loan disbursements and streamline repayment collections

**Healthcare**
Simplify patient billing and streamline provider reimbursements

**Manufacturing**
Optimize B2B payments across your supply chain and operations

# The Future is
# Pay by Bank

Dwolla takes the complexity out of account-to-account payments, so you can focus on what matters most: your business.

Modernize Your Payments

#### Trusted By 400+ Businesses

## Payment automation for every industry

- Insurance
- Lending
- Real Estate
- Healthcare
- Manufacturing

InsuranceLendingReal EstateHealthcareManufacturing

#### Digital Payments Elevate the Insurance Industry

Outdated payments like paper checks and file-based transactions plague the insurance industry. Dwolla helps you digitally transform your payments tech stack, improving cash flow, payment predictability, security and policyholder experience.

- **Automate Your ACH Transactions**

#### Instant Payments for the Lending Industry

Dwolla enables lenders to streamline payments by replacing manual processes and outdated systems. Enhance payment speed, efficiency, security, and deliver a better experience for your borrowers with Dwolla’s innovative solutions.

- **Accelerate Your Lending Operations**

#### Automating Real Estate Payments

Turn to Dwolla to replace legacy technology and outdated payment systems in real estate with faster, more secure alternatives to enhance your vendor and supplier relationships.

- **Digitally Transform Your Real Estate Transactions**

#### Securing Online Payments for the Healthcare Industry

Dwolla provides healthcare companies with the tools required to digitally transform payment processing, improving your payment speed, security and patient experience.

- **Elevate Your Healthcare Payments**

#### Transforming Payments in Manufacturing

Buyer-supplier relationships are enhanced by Dwolla’s ability to equip manufacturing companies with the tools and technology required to improve your payment speed, efficiency and security.

- **Enhance Buyer and Supplier Relationships**

## Pioneering the Future of Open Banking

20M+ End-Users

127M+ Annual Transaction Volumes

$67B+ Annual Transactions

99.9% Platform Uptime

## Improve payment operations efficiency by 800% compared to legacy transactions.

Automate Your Payments

Dwolla’s single solution can simplify the integration process, improving your payment operations efficiency by over 800%.

Save Money with Digital Solutions

Free yourself from paper checks and legacy ACH files. Dwolla can save your business up to 92% in payment processing costs.

Seamlessly Integrate Your Bank

Streamline integrations across payment types (like ACH, RTP and FedNow) and financial institutions.

Secure Your Data

Increase payment security and protect your sensitive data with encryption, tokenization, and other security measures from Dwolla.

## Ready to transform your payments process?
##### Join the digital transformation revolution.

Talk to a Payments Expert

“Beyond the user-friendly API and competitive pricing of Dwolla’s solution, we also turned to them because we trusted in the people behind the solution." - Cyrus Summerlin

Financial ServicesCEO and Founder

“Our return on investment was almost immediate. We were able to get up and running in no time with Dwolla’s straightforward API. Dwolla’s flexible options such as Same Day ACH gave us the flexibility our customers demand."

TransportationCEO

“The time savings component is huge for us, as we would have had to hire an additional employee to support our previous payment processes. Dwolla saves us time and provides us with great customer service and responses on the same day. When dealing with service providers—that’s rare.”

InsuranceSenior Controller

“We wanted to capture the speed of money movement today, and Dwolla’s solution is the core piece that helped us digitally transform our funds flow that powers the whole process that makes our product work.”

FintechCo-Founder

“Dwolla’s customer service and the ability to get a response from a human being quickly has made our business thrive. The fast turnaround of customer support is the reason we think Dwolla is the backbone of our company.”

Real EstateCTO

"Compared to other unions that had to find a new form of collecting payment dues and convert their membership to a new system, we have outpaced any other state in the history of these legal changes, and we are the largest state to do it. Of all the states that faced this challenge, nobody got as far as we did as fast as we did, thanks to leveraging the Dwolla payment solution.” - Anthony Roeder

EducationDirector of Information Technology

### Automate and Scale Your Payments

Businesses burdened by manual processes and outdated payment methods like paper checks and legacy files can unlock significant advantages by transitioning to a payments API like Dwolla. ACH payment automation can reduce errors, accelerate payment processing and improve cash flow visibility.

### Send Instant Payments

Say goodbye to long payment processing times with Dwolla. Our payment technology provides access to real-time payment processing to clear and settle payments almost immediately, turning your company into an instant payments organization.

- Send Real-Time Payments
- Improve Payment Transparency
- Initiate RTP or FedNow Transfers From Your Existing Bank

### Access Open Banking Services

Are you juggling multiple vendors, APIs and technical integrations? Step into the future of payments with Dwolla’s modern, comprehensive solution that provides instant account verification, balance checks and secure ACH, RTP and FedNow transfers through unified integrations with industry leaders.

## Transforming Payments: Enhancing Cash Flow, Strengthening Security and Elevating the Customer Experience



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### August 2025 | Release Notes

Periodically, the Dwolla Product team publishes a recap of its work in the release notes.

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### Dwolla Expands Instant Payment Capabilities to Simplify Business Payments

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##### Let's build something innovative together.

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- Financial institutions play an important role in our network. All funds transfers made using the Dwolla Platform are performed by a financial institution partner, and any funds held in a Dwolla Balance are held by a financial institution partner. Learn more about our financial institution partners.