Automate High-Volume ACH Payments

Modernize your payments with Dwolla's single solution for pay by bank payment automation. Provide customers with a better payment experience, improve your payment operations and increase payment security.

Modernize Your Payments

The Benefits of Dwolla’s Automated Payments

Dwolla’s single API enables businesses to automate ACH payments and instant transfers for increased efficiency and security. By automating processes such as transaction initiation, ACH return handling and payment status updates, businesses can reduce manual effort, minimize errors and gain real-time visibility into their payment flows.

1. Simplified Operations
   Dwolla's automated payments solution helps reduce manual processes and enable seamless integration with existing systems. This can free up valuable time and resources and reduce errors, allowing businesses to focus on their core operations.

2. Enhanced Security
   Dwolla prioritizes payment security. Secure ACH transfers and tokenization help minimize exposure to sensitive information, reducing the risk of fraud and data breaches, and supporting compliance with industry regulations.

3. Increased Efficiency
   Automated payments through Dwolla can significantly increase efficiency by simplifying workflows, reducing manual tasks and eliminating the need for paper checks or manual data entry. This results in faster processing times and reduced operational costs.

“As you build a company you have to work with others that are willing to grow with you and willing to help you deal with that growth, because growth can be painful. Dwolla has been that partner for us. I don't think we would be where we are today without Dwolla.”
Investment Industry Co-Founder & Chief Product Officer

How Dwolla’s Automated Payments Work

Dwolla’s automated payments leverage the ACH Network, FedNow® Service and RTP® network to help move money between bank accounts. Businesses can automate processes like initiating transactions and recurring payments, handling returns and reconciling payments.

To initiate a pay by bank payment, use Dwolla’s API to create customer records for the payer and payee. You can attach bank accounts to each customer record through open banking and then use Dwolla’s API to create a payment transfer between those customers. This initiates the movement of money from the payer’s bank account to the payee’s. Dwolla provides real-time status updates via webhooks throughout the entire process, including when a payment is initiated, pending, processed or fails.

Additional Automations & Optimizations Through Dwolla:

• Automate recurring payments, like subscriptions or loan repayments, by using the API to create a scheduled payment. You can also automate payment reminders to customers.
• Handle returns proactively with webhooks. Receive instant notifications and trigger automated actions in your system, such as updating customer records, retrying payments or initiating alternative payment methods – all without manual intervention.
• Improve reconciliation processes, simplify your back-office operations and reduce manual effort by attaching a correlation ID to each payment.
• Leverage those correlation IDs to automatically track payments, match transactions across systems and even close out open accounts receivable entries.
• Handle high-volume payouts without adding payment processing headaches by using Dwolla’s Mass Payments API. Send thousands of payments simultaneously while our API provides the infrastructure you need to scale your business.

Automating Union Dues Collection

The Florida Education Association (FEA), a statewide federation of local teacher unions, was seeking a way to modernize its dues collection process. By partnering with Dwolla, the FEA implemented a digital payment platform powered by ACH payment automation that enabled members to conveniently pay dues online directly from their bank accounts. Dwolla's comprehensive solution allowed the FEA to rapidly implement secure and flexible payments at a competitive price with exceptional support.

Helping Pet Insurance Accelerate Reimbursements

A pet insurance company partnered with Dwolla to accelerate its reimbursement process and enhance the policyholder experience. By leveraging Dwolla's API, the company automated payment disbursements to policyholders, reducing manual effort and processing times. With automated ACH, policyholders now receive their reimbursements five days faster, resulting in increased satisfaction and cost savings for the insurance company. A senior controller at the company commented: "We recommend and strongly encourage our customers to use ACH...Providing them with an option to get them their reimbursement sooner and save us money is a win-win.”

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.

Key Benefits

What changes for your team

Outcomes that matter to the teams responsible for payments, product delivery, and operations.

API-Driven Initiation

Replace batch files, manual uploads, and bank portals with API-driven payment initiation. Trigger payments from your systems automatically.

Automated Status Tracking

Every ACH payment is tracked from initiation to settlement or return. Webhooks notify your systems in real time without polling.

Standardized Exception Handling

Returns, failures, and edge cases are surfaced with consistent error codes and resolution workflows. Your team knows exactly what happened and what to do.

Built-In Reconciliation Data

Correlation IDs, addenda records, and structured event data make automated reconciliation possible. Reduce manual matching.

How It Works

From integration to production

A clear path from first API call to live payment operations.

1. Replace manual processes Map your current ACH workflows (file uploads, batch processing, manual checks) to Dwolla's API. Our integration team helps design the migration.

2. Automate payment flows Trigger ACH payments from your existing systems via API. Dwolla handles validation, submission, and tracking automatically.

3. Manage by exception Instead of monitoring every payment, your team focuses on the exceptions. Dwolla surfaces issues proactively with standardized resolution data.

Built for Scale

Trusted by platforms and enterprises
126M+ Annual transactions
10 days Typical integration
$82B+ Annual value
99.9% Platform uptime

Stop managing ACH manually

See how Dwolla's ACH automation helps your team replace file-based processes with API-driven operations and full visibility.