Secure Your Payments With Tokenization

Tokenization with Dwolla provides a secure and efficient way to manage financial data, fostering trust and simplifying financial interactions.

The Benefits of Tokenization

Digital interactions result in unique identifiers instead of transmitting sensitive data.

Enhanced Security

Tokenization replaces sensitive financial data with non-decipherable tokens, protecting user information from unauthorized access and reducing the risk of breaches.

Streamlined Integration

Tokens eliminate the need for direct sharing of sensitive financial data, facilitating smoother and more secure integrations with third-party applications and services. This simplifies development and enhances user experience.

Regulatory Compliance

Dwolla’s tokenization adheres to strict data security regulations, minimizing compliance burdens and potential legal risks for businesses and allowing them to focus on innovation and core operations.

“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 Services Company Chief Executive Officer

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.

Tokenization in Action

Real Estate Platform Fights Fraud with ACH — tokenized payments for secure transactions.

Keep sensitive bank data out of your systems

Dwolla tokenizes bank account information so your platform does not need to store raw account and routing numbers. Reduce your compliance scope and protect your users' data.

Key Benefits

What changes for your team

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

• Bank Data Stays Off Your Servers: Dwolla replaces sensitive bank account data with secure tokens. Your systems reference tokens instead of raw account numbers.
• Reduced Compliance Scope: When your platform doesn't store bank account data, your compliance surface area shrinks. Fewer audit requirements, less risk.
• Works Across All Flows: Tokenization applies to every payment type: ACH, Same Day ACH, real-time, and wallet funding. One security model for all your payment operations.
• Transparent to Your Users: Users link their accounts once. Tokenization happens behind the scenes with no additional friction or extra verification steps.

How It Works

From integration to production

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

1. User links their bank account: Through Dwolla's verification flow or drop-in components, the user provides their bank details. Dwolla tokenizes the data immediately.
2. Your system stores the token: You receive a token reference instead of raw bank data. Use this token for all future payments to that account.
3. Payments initiate via token: Reference the token in your API calls. Dwolla resolves it to the actual bank account securely at payment initiation time.

Protect bank data without adding friction

See how Dwolla's tokenization helps your platform handle payments securely while reducing compliance scope.