Power Your AP/AR Platform with Seamless Payment Integration

Streamline your Accounts Payable (AP) and Accounts Receivable (AR) platform by embedding a secure and efficient payment solution with Dwolla's modern API. Offer your customers a unified experience, reduce complexities and capitalize on the benefits of automated pay by bank payments.

Streamline Your Payments

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Manual Payments Cost More Than You Think

Integrating payment functionality into AP/AR platforms presents significant hurdles, from technical complexities and security concerns to managing regulatory compliance and ensuring a positive user experience. Traditional payment methods can be inefficient, costly and lack the real-time visibility modern businesses demand.

1. Integration Complexity
   Connecting with diverse payment processors, banks and gateways involves navigating disparate APIs and data formats, demanding substantial development resources. Building and maintaining this infrastructure in-house can be expensive and require specialized expertise.

2. Security and Compliance Burdens
   Handling sensitive payment data necessitates robust security measures and strict adherence to regulations. Staying updated with the evolving regulatory landscape adds a continuous burden.

3. Inefficient and Manual Processes
   Reliance on file-based ACH processes and paper checks can be time-consuming, error-prone and lack real-time tracking and visibility, impacting cash flow and partner relationships.

“What’s unique about Dwolla is their stronghold on ACH. And for business payments, ACH transactions for an invoice is usually more preferable. Dwolla helps us initiate ACH transfers, which is huge in the B2B community. Paying out someone has to be timely and prompt. With Dwolla and leveraging the ACH Network, we have the ability to be relevant in this market.”
AP/AR Platform CEO/Co Founder

The Benefits of Dwolla's Pay-by-Bank Solution

Dwolla's API-powered automation helps reduce costs, improve cash flow, and provide real-time payment tracking while offering access to instant payment networks for faster, more efficient payouts.

Simplify Integration and Reduce Development Effort

Dwolla's unified API streamlines the integration of payment functionality into your AP/AR platform. By connecting to a single provider, you abstract away the complexities of multiple integrations, reducing development time and costs.

• Integrate pay-by-bank payments and Open Banking Services, including instant account verification and real-time balance checks, through a single, well-documented platform.
• Leverage comprehensive developer docs, a fully simulated sandbox environment and dedicated support to accelerate integration.
• Easily integrate payments into your current platform and maintain control of the branding and user experience with Dwolla’s white-label solution.

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Automate Payments and Enhance Efficiency

Dwolla's API-powered automation helps eliminate manual ACH processes, reduce errors and accelerate payment processing times. It also provides real-time visibility into payment statuses, improving reconciliation and cash flow.

• Automate ACH processes including file creation, validation, submission and error handling.
• Webhooks help with cash flow and payment predictability by providing real-time payment information and notifications, including when payments run into issues.
• Correlation IDs track payments end to end, connect payments initiated through Dwolla to payment information in other systems and can be used to automatically close out open accounts receivable.

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Support with Security and Compliance Responsibilities

Partnering with Dwolla allows you to leverage our expertise and secure infrastructure. We stay informed about regulatory changes to help your payments remain compliant, and we've implemented sophisticated security practices to help safeguard your data and give you peace of mind.

• AP/AR platforms don’t need to store or transmit sensitive payment data after initial setup with Dwolla, helping decrease the risk of data exposure, breach and interception by bad actors.

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Examples of How the Money Moves

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Vendor Payments

AP platforms automate ACH payments to vendors directly from their bank accounts, eliminating checks and reducing costs.

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Customer Invoice Payments

AR platforms can enable customers to pay invoices directly from their bank accounts through a secure payment portal.

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Employee Expense Reimbursements

AP/AR platforms can enable companies to directly deposit reimbursements for approved employee expenses into their bank accounts.

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.

Customer Story
[See how Routable scaled B2B payments on Dwolla's infrastructure [Watch Video"]] (https://www.dwolla.com/resource/scaling-b2b-payments-with-routable-and-dwolla)

Customer Proof
AP Platform Cuts Transaction Costs by 30% — 70% less time on bookkeeping.

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Use Cases / AP/AR

Automate AP and AR without replacing your financial stack

Dwolla integrates with your existing ERP, AP, and accounting systems to automate payment initiation, status tracking, and reconciliation. Less manual work for your finance team.

Key Benefits

What changes for your team

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

AP Automation

When your AP system approves an invoice, Dwolla initiates the payment automatically. No bank portal logins, no file uploads, no manual checks.

AR Collection

ACH debits for receivables with automated status tracking. Know which collections succeeded, which failed, and take action on exceptions immediately.

Built-In Reconciliation

Correlation IDs and structured event data make it possible to match every bank settlement to the original invoice automatically.

Flexible Payment Timing

Pay vendors on standard ACH timelines or accelerate with Same Day ACH. Collect receivables on the schedule that works for your business.

How It Works

From integration to production

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

1. Connect your AP/AR system

Integrate Dwolla's API with your ERP, AP, or accounting platform. Payment triggers follow your existing approval workflows.

2. Automate both sides

Payables and receivables flow through the same API with consistent tracking and error handling. One integration for both sides of the ledger.

3. Close your books faster

Structured payment data flows back to your accounting system. Bank activity matches to invoices automatically. Fewer reconciliation hours at month-end.

Built for Scale

Trusted by platforms and enterprises

70% Less time on bookkeeping*
30% Transaction cost savings*
126M+ Annual transactions
$82B+ Annual value

*Based on reported outcomes from individual Dwolla customers. Results may vary.

Close your books faster with automated payments

See how Dwolla helps finance teams automate AP/AR payment operations with less manual reconciliation.