Streamline Your Payments with Dwolla's Unified API

Modernize your payments with Dwolla's single API. Enable secure pay by bank transactions and open banking all in one platform. Automate your payment operations, reduce costs and enhance security.

The Benefits of Dwolla’s Single API

Dwolla’s unified solution can help your business send and receive automated ACH payments and instant transfers in a faster, more secure and more efficient way. With payment automation and open banking through a single API, businesses can replace legacy technology, streamline operations and improve payment operations efficiency by over 800% compared to legacy transactions.

1. Simplified Integration
   Dwolla simplifies payment solutions by offering open banking features and pay by bank through a single API and single vendor. This helps streamline implementation and facilitate digital transformation of their payment systems.

2. Reduced Costs
   Dwolla's single API solution helps increase payment processing efficiency, leading to cost savings. By simplifying initial integration, ongoing maintenance, and future development, this solution can enhance overall operational agility and financial transparency, which also reduces costs.

3. Enhanced Security
   Dwolla's tokenization technology replaces sensitive bank account information with secure tokens, helping reduce the risk of data exposure or breach. Learn more about Dwolla's security measures.

How Dwolla’s Unified API Works

Dwolla’s platform allows businesses to connect to any U.S. bank account for sending and receiving money.

• Our single API enables users to access ACH transfers, instant payments and open banking features.
• Dwolla’s API-first approach is intuitive and easy to work with. Dwolla provides Software Development Kits (SDKs) in popular programming languages such as Python, Node.js and Ruby to simplify integration.
• Dwolla offers dedicated support channels, including clear and concise developer documentation, an AI assistant and a support forum.
• Developers can create a sandbox account in Dwolla’s fully simulated testing environment to imitate production use cases, safely test API calls and responses, and mock out low-volume and high-volume data in a controlled setting.
• Dwolla Connect leverages existing banking relationships and commercial bank accounts to integrate modern payment processing.
• Dwolla Balance, a digital wallet solution, allows users to hold funds and send, receive and facilitate transfers between users and their bank accounts.

Helping a Fintech Company Build Credit

Extra is a fintech company that issues debit cards to help users build credit. Their concept relies on credit purchases settling quickly to report to credit bureaus within a couple of days. To facilitate this, they needed a fast, reliable and secure way to move money. Extra chose Dwolla for its fast money movement and enhanced security features. Dwolla’s API uses encryption and tokenization to secure data exchanges between third-party providers, payment technologies, and financial institutions.

Protecting Real Estate Transactions From Fraud

A real estate company partnered with Dwolla to combat wire transfer fraud. Dwolla’s consultative approach to payments helped them replace wire transfers with faster pay by bank transfers. The company’s Chief Revenue Officer says that Dwolla has been a game-changer for real estate.

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.

Single Integration, All Rails

Standard ACH, Same Day ACH, RTP, and FedNow through one API. Your team builds once and accesses every rail without separate integrations.

Consistent Data Model

Payment objects, status events, error codes, and webhooks follow the same structure regardless of rail. One handler, one schema, one workflow.

Per-Transaction Rail Selection

Choose the right speed for each payment at initiation time. Dwolla routes accordingly with no changes to your integration.

Fewer Vendors, Less Maintenance

Replace multi-provider payment stacks with one API. Reduce the engineering overhead of maintaining separate integrations for each rail.

How It Works

From integration to production

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

1. Integrate once
   Connect to Dwolla's API and access all supported payment rails. SDKs available in Ruby, Python, PHP, C#, and Node.js.

2. Select rail per payment
   Specify the payment speed in each API call. Dwolla validates, routes, and tracks the payment through the appropriate rail.

3. Add new rails without rework
   When new rails become available, your integration supports them automatically. No new endpoints, no schema changes, no re-certification.

Built for Scale

Trusted by platforms and enterprises

1 API

All payment rails

5+

SDK languages

126M+

Annual transactions

99.9%

Platform uptime

Simplify your payment stack

See how Dwolla's unified API helps your engineering team support multiple payment rails without multiplying integrations.