Digital Wallet API for Payment Platforms | Dwolla

Digital Wallet Functionality With Dwolla

Initiate faster transactions and provide a convenient option to your Verified Customers by utilizing Dwolla to hold funds.

The Benefits of Dwolla's Digital Wallet

Use Dwolla as a way of enhancing your application without building anything from scratch. Your customers can send or collect payments, whether that’s from hundreds of accounts or between two users and easily report on the activity.

Instant Payments Between Wallets

Funds sent between user account balances within the Dwolla Network are transferred instantly.

Brand Control

Manage the user experience and customize how the balance is displayed within your application to match your branding.

Prebuilt Functionality

Speed up your integration with a payments infrastructure that comes with built-in, wallet-like functionality.

Extended Features

Initiate a payment from Dwolla to your user’s bank account and give them convenient access to their funds.

“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 demanded.”
TransportationCEO

How Dwolla's Digital Wallet Works

Dwolla's digital wallet-based solution allows users to hold funds and initiate payments. It functions as a stored-value account, enabling various funds flow models such as:

The digital wallet connects businesses to the U.S. banking infrastructure through Dwolla's established relationships with financial institution partners. This allows for seamless account-to-account payments within a web or mobile application.

Learn more about the digital wallet in our developer documentation.

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

Stored Balances

Let users hold funds in a digital wallet within your platform. Balances are available for instant transfers, payouts, and peer-to-peer payments.

Instant Funding

Users can fund their wallets from linked bank accounts via ACH or real-time rails. Multiple funding speeds give users the flexibility they expect.

Peer-to-Peer Payments

Enable wallet-to-wallet transfers between users on your platform. Instant settlement, no ACH delays for in-network payments.

Your Brand, Your Experience

White-label wallet functionality that lives within your product. Users interact with your interface while Dwolla handles the payment infrastructure.

How It Works

From integration to production

  1. Create wallet accounts
    Use the API to create digital wallet accounts for your users. Each wallet is linked to verified bank accounts through Dwolla's verification flows.

  2. Enable funding and transfers
    Configure how users add funds (ACH, Same Day ACH, or real-time) and set rules for wallet-to-wallet and wallet-to-bank transfers.

  3. Build your payment experience
    Use Dwolla's drop-in components or build custom UI on top of the API. Your users see your brand; Dwolla powers the infrastructure.

Built for Scale

Trusted by platforms and enterprises

Add wallet functionality without building from scratch

See how Dwolla's digital wallet API helps your platform deliver the payment experience your users expect.