Simplify Your B2B Payments

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 B2B payments.

Modernize Your B2B Payments

Manual Payments Cost More Than You Think

When making business-to-business (B2B) payments, companies often have to deal with inefficient, error-prone and costly file-based ACH processes and paper checks, which can delay payments and strain partner relationships.

1. Money Movement Challenges
   Traditional file-based ACH processes are often inefficient and time-consuming. These inefficiencies can weaken relationships with partners, negatively impact reconciliation and cash flow, while increasing overall payment processing costs.

2. Time-Consuming ACH Files
   File-based ACH payments and paper checks are time-consuming and error-prone processes. Manual data entry and file validation can lead to errors and delays, increasing the risk of payment failure and impacting cash flow.

3. Limited Tracking and Visibility
   ACH files and paper checks offer limited tracking and visibility into the payment process. Once a file is submitted to the financial institution, it can be challenging for a business to determine if payments have been processed, received by the recipient or if any errors or exceptions have occurred.

4. Lack of Instant Payment Options
   The batch-processing nature of ACH and the manual processes of paper checks mean payments can take up to several days to clear, which can negatively impact cash flow and reconciliation.

“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 using the ACH Network, we have the ability to be relevant in this market.”

B2B Payment Fintech Company, CEO/Co-Founder

The Benefits of Automating B2B Payments

Time and Cost Savings Through Automation

Payment automation through Dwolla can eliminate human error, reduce labor costs and accelerate payment processing times.

Simplifying the payment process and reducing costs helps businesses improve their financial efficiency and optimize their cash flow.

• Dwolla’s API-based solution helps automate many ACH manual processes, such as file creation, validation and submission, and returns and error handling.

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Increased Data Visibility and Payment Tracking

Dwolla gives businesses access to real-time information about the status of their payments. This increased visibility helps businesses to reconcile accounts more efficiently, identify and resolve issues promptly and improve cash flow forecasting.

• 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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Access to Instant Payments

Through Dwolla, businesses can take advantage of instant transfers, enabling them to send funds faster, improve cash flow and accelerate the payment cycle. Instant payments can also enhance their operational efficiency, reduce working capital needs and strengthen their relationships with suppliers and vendors.

• Dwolla is connected to both the RTP® network and the FedNow® Service for real-time payment processing, and Dwolla’s API orchestrates payments between those two networks based on account coverage.

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How B2B Payment Automation Works: Moving the Money

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AP Platform Sends a Payment

An AP Platform uses ACH to send payments.

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Manufacturer Paying a Supplier

A supplier sends an invoice to a manufacturing company for a shipment of raw materials.

Factoring Companies Buying and Collecting on Accounts Receivable

A long-haul transportation trucking company sells its freight invoices to a factoring company, and the factoring company collects on those invoices when they’re due.

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
Watch how Routable automated B2B payouts with Dwolla [Video]

Customer Proof
BasicBlock Pays Drivers Instantly with Dwolla

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Key Benefits

What changes for your team

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

Automated AP/AR

Trigger payments from your AP or AR system via API. Invoices move from approved to paid without manual bank portal work.

Clean Reconciliation

Correlation IDs and addenda records travel with each payment. Your finance team matches settlements to invoices automatically.

Multiple Payment Speeds

Standard ACH for routine payments, Same Day ACH for time-sensitive disbursements, real-time for urgent needs. Same API, same handling.

Exception Visibility

Returns, failures, and delayed payments are surfaced immediately with structured data. Your team resolves issues before they impact vendor relationships.

How It Works

From integration to production

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

1. Connect your systems
   Integrate Dwolla with your ERP, AP, or invoicing platform. Payments initiate automatically based on your existing approval workflows.

2. Run payments at scale
   Individual payments or bulk disbursements through Mass Pay. Every payment tracked individually with full status visibility.

3. Reconcile automatically
   Structured payment data flows back to your systems. Match bank activity to invoices without spreadsheet gymnastics.

Built for Scale

Trusted by platforms and enterprises

70% Less time on bookkeeping*
30% Transaction cost savings*
126M+ Annual transactions
99.9% Platform uptime

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

Take the manual work out of B2B payments

See how Dwolla helps B2B platforms reduce operational overhead and scale payment volume without scaling the payments team.