# Operate bank payments at scale— without building the infrastructure. Dwolla unifies ACH and real-time rails behind a single integration and standardizes status, exception handling, and reporting — so Product ships faster and Operations runs payments predictably. 25M+ End-Users 126M+ Annual Transaction Volumes $82B+ Annual Transactions 99.9% Platform Uptime ## Why payments get harder as you grow. Legacy payment stacks weren't built for a multi-rail world. As volume increases, teams end up stitching together providers, reconciling activity across tools, and manually intervening when something breaks. Every new flow or speed requirement adds logic — and Product inherits the cost. 1. Fragmented Operations Multiple rails, multiple providers, inconsistent behavior. The result is more exceptions, more manual work, and harder reconciliation at scale. 2. Slow Product Delivery When payments require custom logic for every new rail or use case, payment maintenance crowds out roadmap work. Payments stop being a feature and become a drag on delivery. 3. Limited Visibility Without consistent status and error reporting across rails, teams struggle to explain what happened, when, and why — to customers and internally. 4. Integration Sprawl Each new payment vendor adds a new API, a new operational model, and new failure modes to manage. Complexity multiplies. ## The payments operations layer for bank transfers -1.png?width=49&name=Dark%20Orange%20(3)-1.png) ### Unified Rails, Single Integration Support ACH, Same Day ACH, and real-time payments through one API — with consistent tracking, error handling, and controls across every rail. Fewer integrations to maintain, fewer failure points to manage. .png?width=49&name=token-exchange_icon-Dark%20Orange%20(2).png) ### Status & Exception Handling Know what happened, when, and why. Dwolla standardizes payment statuses and error behavior so your teams spend less time investigating failures and more time resolving them. -1.png?width=49&name=Dark%20Orange%20(5)-1.png) ### Operational Visibility & Reporting Centralized oversight and reporting that scales with transaction volume — so Finance gets the controls they need and Operations can support customers and internal teams with confidence. .png?width=49&name=Dark%20Orange%20(6).png) ### Mass Payments Send up to 5,000 bank transfers with a single API request. Reduce manual tasks, improve traceability, and automate high-volume payout and collection flows without adding headcount. .png?width=49&name=Dark%20Orange%20(2).png) ### Advanced Security Tokenization, bank verification, and open banking services protect sensitive account data and reduce fraud exposure — so you operate confidently in high-stakes use cases. .png?width=49&name=Dark%20Orange%20(8).png) ### Scalable and Customizable Solution Our modular approach allows you to develop a customized solution that fits your unique business needs. Seamlessly scale your payment operations to handle increasing transaction volumes and diverse payment requirements. .png?width=49&name=Dark%20Orange%20(3).png) ### Scalable Without Rebuilding Add new rails or payout speeds as requirements change — without multiplying vendors or rebuilding payment logic. Keep a consistent operational model as your platform grows. ## Expert Onboarding. Real Support. Faster Go-Lives. Dwolla isn't just infrastructure. We're the team behind your integration—from first API call to production launch and beyond. ✓ Dedicated Implementation Team — Guided onboarding built for complex payment flows. No guesswork, no getting stuck at the edge cases. ✓ Developer Docs Built for Speed — Extensive API references, code samples, and sandbox access so your engineering team can move fast and integrate with confidence. ✓ Ongoing Dedicated Support — A named support team that understands your integration and is available when real-world edge cases surface in production. ✓ Go Live in as Few as 10 Days — A streamlined onboarding process means you start processing real payments faster—without draining Product and Engineering bandwidth. ## Payments infrastructure you can build on. Dwolla backs your integration with a team that's been doing this for 16+ years across fintech, real estate, insurance, and beyond. 10 Days to Go Live 16+ years in payments 99% Platform Uptime ### Operate Bank Payments at Scale. One integration. Fewer fire drills. Faster launches. Let's build something together. ## Run bank payments at enterprise scale without the enterprise complexity Dwolla unifies ACH and real-time rails behind a single integration, so your team spends less time managing payment infrastructure and more time shipping products. ### Key Benefits #### What changes for your team Outcomes that matter to the teams responsible for payments, product delivery, and operations. ### One Integration, All Rails Access Standard ACH, Same Day ACH, and real-time payment options through a single API. Add new rails without rebuilding your payment logic. ### Fewer Payment Exceptions Standardized error handling and status reporting across rails means your operations team resolves issues faster with less manual intervention. ### Operational Visibility Track every payment from initiation to completion with consistent status updates, webhooks, and reconciliation data across all rails. ### Scale with Confidence Infrastructure built for high-volume operations with 99.9% uptime, handling 126M+ annual transactions for platforms like yours. ## How It Works ### From integration to production A clear path from first API call to live payment operations. 01 ### Connect your systems Integrate Dwolla's API into your existing stack. Our SDKs and developer docs are built for fast onboarding, with a dedicated integration team to support your launch. 02 ### Configure your payment flows Define your payment speeds, routing rules, and exception handling. Dwolla standardizes how payments behave so your team builds once and scales. 03 ### Go live with support Launch with a dedicated account team behind you. Real-time monitoring, proactive alerting, and direct access to payments experts.