# dwolla.com > AI-optimized mirror of dwolla.com containing 635 pages totalling 372,233 words of clean markdown content, structured data, and semantic HTML. Original source: https://dwolla.com. Last updated: 2026-07-21T08:22:54.421Z. Each page is available as HTML (with JSON-LD structured data) and Markdown (text-only, ideal for LLMs and RAG). ## Homepage - [api-sandbox/index.html](/content/api-sandbox/index.html) (5 words) - [Origin DNS error | tax-documents.dwolla.com | Cloudflare](/content/tax-documents/index.html) (82 words) - [Dwolla Status](/content/status/index.html): Welcome to Dwolla's home for real-time and historical data on system performance. (289 words) - [Dwolla Community Support](/content/discuss/index.html): This community provides support and resources for the Dwolla Platform. View API and general support topics. (21 words) - [Page Not Found](/content/docsv2/index.html) (37 words) - [Dwolla Developers - Dwolla Developer Portal](/content/developers/index.html): Build, test, and launch payment solutions with Dwolla's comprehensive API documentation and developer tools. (299 words) - [Trust Center - Dwolla](/content/trust/index.html): Dwolla’s mission is to empower innovation with a reliable, easy-to-use payments platform. Securing this platform is a continuous journey, evolving with our technology, people, and culture. We prioritize data and identity protection, leveraging the latest technology, rigorous processes, and independent assessments to ensure the highest security standards. (187 words) - [Bank Payment Infrastructure for Platforms | Dwolla](/content/site-root.html): Run high-volume ACH and real-time bank payments through a single API integration. Trusted by platforms and enterprises handling 126M+ annual transactions. (905 words) ## Articles & Blog Posts - [Dwolla: A Single Solution for Finance Teams (11)](/content/updates/page/11/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (11) (51 words) - [Dwolla: A Single Solution for Finance Teams (10)](/content/updates/page/10/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (10) (247 words) - [Dwolla: A Single Solution for Finance Teams (9)](/content/updates/page/9/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (9) (260 words) - [Dwolla: A Single Solution for Finance Teams (8)](/content/updates/page/8/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (8) (248 words) - [Dwolla Security Whitepaper](/content/cdn/com/prod/20181105153226/dwolla-security-whitepaper-2018-pdf.html) (1,734 words) - [Dwolla: A Single Solution for Finance Teams (7)](/content/updates/page/7/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (7) (232 words) - [Page Not Found](/content/developers/concepts/drop-in-components/index.html) (26 words) - [404 - Page not found](/content/updates/dwollas-soc-2-report/index.html) (20 words) - [404 - Page not found](/content/updates/improving-sdks/index.html) (16 words) - [List documents for customer - Dwolla Developer Portal](/content/developers/docs/api-reference/documents/list-documents-for-customer/index.html): Returns all identity verification documents submitted for a customer. Includes document status, verification results, document type (passport, driver's license, etc.), and failure reasons if verification was rejected. Used to track document submission and verification progress during the business verification process. (330 words) - [Verify KBA Questions - Dwolla Developer Portal](/content/developers/docs/api-reference/kba/verify-kba-questions/index.html): Submits customer answers to KBA questions for identity verification. Requires four question-answer pairs with questionId and answerId values. Returns verification status indicating whether the customer passed or failed the KBA authentication. (296 words) - [Retrieve a document - Dwolla Developer Portal](/content/developers/docs/api-reference/documents/retrieve-a-document/index.html): Returns detailed information about a specific identity verification document, including its status, type, and verification results. Used to track document submission and verification progress during the business verification process. (345 words) - [Create a label reallocation - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/create-a-label-reallocation/index.html): Reallocates funds between two labels belonging to the same Verified Customer. Moves the specified amount from the source label to the destination label, creating ledger entries for both. The reallocation only succeeds if the source label has sufficient funds. (323 words) - [List documents for beneficial owner - Dwolla Developer Portal](/content/developers/docs/api-reference/documents/list-document-for-beneficial-owner/index.html): Returns all identity verification documents submitted for a beneficial owner. Includes document status, verification results, document type (passport, driver's license, etc.), and failure reasons if verification was rejected. Used to track document submission and verification progress during the business verification process. (306 words) - [Page Not Found](/content/developers/guides/webhooks/index.html) (37 words) - [List customer beneficial owners - Dwolla Developer Portal](/content/developers/docs/api-reference/beneficial-owners/list-beneficial-owners/index.html): Returns all beneficial owners associated with a business verified customer. Beneficial owners are individuals who directly or indirectly own 25% or more of the company's equity. Includes personal information, verification status, and address details for each owner. (205 words) - [How many days does an RDFI have to report an unauthorized return to Dwolla's FI?](/content/support/s/article/how-many-days-does-an-rdfi-have-to-report-an-unauthorized-return-to-dwolla-s-fi.html) (69 words) - [List label ledger entries - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/list-label-ledger-entries/index.html): Returns all ledger entries for a specific Label, sorted by creation date (newest first). Supports pagination with limit and offset parameters. Each ledger entry includes its amount, currency, and creation timestamp. (268 words) - [List items for a mass payment - Dwolla Developer Portal](/content/developers/docs/api-reference/mass-payments/list-items-for-a-mass-payment/index.html): Retrieve individual payment items within a mass payment with optional status filtering and pagination support. Each item represents a distinct payment with status indicators (failed, pending, success) showing whether a transfer was successfully created. Returns paginated item details including amount, destination, metadata, and error information for failed items. Supports filtering by status and standard pagination. (249 words) - [Update a mass payment - Dwolla Developer Portal](/content/developers/docs/api-reference/mass-payments/update-a-mass-payment/index.html): Update the status of a deferred mass payment to control its processing lifecycle. Set status to pending to trigger processing and begin fund transfers, or cancelled to permanently cancel the mass payment before processing begins. Only applies to mass payments created with deferred status. Returns the updated mass payment resource with the new status. (230 words) - [Retrieve beneficial owner - Dwolla Developer Portal](/content/developers/docs/api-reference/beneficial-owners/retrieve-beneficial-owner/index.html): Returns detailed information for a specific beneficial owner, including personal information, address, and verification status. The verification status indicates the owner's identity verification progress and affects the business customer's transaction capabilities. (240 words) - [Is there a limit on the number of attempts to verify an account via micro-deposits?](/content/support/s/article/is-there-a-limit-on-the-number-of-attempts-to-verify-an-account-via-micro-deposits.html) (88 words) - [List labels for a customer - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/list-labels-for-a-customer/index.html): Returns all labels for a specified Verified Customer, sorted by creation date (most recent first). Supports pagination with limit and offset parameters. Each label includes its current amount and creation timestamp. (208 words) - [Retrieve a mass payment - Dwolla Developer Portal](/content/developers/docs/api-reference/mass-payments/retrieve-a-mass-payment/index.html): Retrieve detailed information for a mass payment by its unique identifier. Returns the current processing status (pending, processing, or complete), creation date, metadata, and links to the source funding source and payment items. Use this endpoint to monitor mass payment processing progress and determine when to check individual item results. (249 words) - [Retrieve a label - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/retrieve-a-label/index.html): Retrieve details for a specific Label used to categorize and track funds within your account. Returns Label information including unique identifier, current amount with currency, and creation timestamp. (205 words) - [List mass payments for customer - Dwolla Developer Portal](/content/developers/docs/api-reference/mass-payments/list-mass-payments-for-customer/index.html): Retrieve all previously created mass payments for a Verified Customer account with optional correlation ID filtering and pagination support. Mass payments are returned ordered by date created with most recent appearing first. Returns paginated results including mass payment status, metadata, source funding information, and item links. Supports standard pagination parameters and correlation ID search for enhanced traceability. (262 words) - [Certify beneficial ownership - Dwolla Developer Portal](/content/developers/docs/api-reference/beneficial-owners/certify-beneficial-ownership-status/index.html): Updates the beneficial ownership certification status to "certified", confirming that all beneficial owner information is accurate and complete. This action enables the business customer to send funds and is required to complete the verification process. (255 words) - [Retrieve beneficial ownership status - Dwolla Developer Portal](/content/developers/docs/api-reference/beneficial-owners/retrieve-beneficial-ownership-status/index.html): Returns the certification status of beneficial ownership for a business verified customer. Status indicates whether beneficial owner information has been certified and affects the customer's ability to send funds. Possible values include uncertified, certified, and recertify. (221 words) - [404 - Page not found](/content/resources/balance-webinar/index.html) (20 words) - [Dwolla: A Single Solution for Finance Teams (6)](/content/updates/page/6/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (6) (238 words) - [What’s the difference between the ACH Network, RTP®, and FedNow networks?](/content/support/s/article/what-s-the-difference-between-the-ach-network-and-rtp-network.html) (244 words) - [What are good practices to ensure that our customers pass verification upon registration?](/content/support/s/article/what-are-good-practices-to-ensure-that-our-customers-pass-verification-upon-registration.html) (187 words) - [Retrieve a label reallocation - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/retrieve-a-label-reallocation/index.html) (20 words) - [Retrieve mass payment item - Dwolla Developer Portal](/content/developers/docs/api-reference/mass-payments/retrieve-mass-payment-item/index.html) (20 words) - [Retrieve a label ledger entry - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/retrieve-a-label-ledger-entry/index.html) (20 words) - [How do I find the account number or routing number for an end user funding source?](/content/support/s/article/how-do-i-find-the-account-number-or-routing-number-for-an-end-user-funding-source.html) (219 words) - [Dwolla Status - Elevated HTTP 500 Errors on Balance Inquiries](/content/status/incidents/f6bvxlmq1k5s/index.html): Dwolla's Status Page - Elevated HTTP 500 Errors on Balance Inquiries. (115 words) - [Security Insights | Dwolla](/content/resources/dwolla-infosec-practices/index.html): Information Security insights discussing cryptography, endpoint security, border protection and what Dwolla provides customers along with online payments. (1,598 words) - [Page Not Found](/content/developers/guides/transfer-money-between-users/index.html) (35 words) - [Page Not Found](/content/developers/guides/send-money/create-a-customer/index.html) (26 words) - [Page Not Found](/content/developers/guides/webhooks/create-subscription/index.html) (36 words) - [Page Not Found](/content/developers/api-reference/events/index.html) (32 words) - [Page Not Found](/content/developers/api-reference/funding-sources/initiate-micro-deposits/index.html) (35 words) - [Dwolla Status - Delay in Same-Day ACH Clearing](/content/status/incidents/n6q8z23w34qx/index.html): Dwolla's Status Page - Delay in Same-Day ACH Clearing. (151 words) - [Dwolla Status - Delayed Operational Notification Statuses in Dwolla Dashboard](/content/status/incidents/3pbwj5n37vhd/index.html): Dwolla's Status Page - Delayed Operational Notification Statuses in Dwolla Dashboard. (220 words) - [Dwolla Status - Delay in processing ACH transactions and delivery of related webhooks](/content/status/incidents/3vcx8b0sdwn4/index.html): Dwolla's Status Page - Delay in processing ACH transactions and delivery of related webhooks. (194 words) - [How to Work With a Payment Solutions Company | Best Practices For Building Your Payments App](/content/resources/application-approval-guide/index.html): When adding payments to your platform, there are new rules and risks to consider. Use this resource to set your payment integration up for success. (769 words) - [404 - Page not found](/content/updates/kba-streamline-user-onboarding-individuals/index.html) (20 words) - [404 - Page not found](/content/updates/using-plaid-to-verify-bank-account/index.html) (20 words) - [Assign Dashboard Permissions | Dashboard ](/content/resources/member-permissions-in-dwolla-dashboard/index.html): Each team member needs their own login and password to access your dashboard. (1,050 words) - [404 - Page not found](/content/contact-partnerships/index.html) (20 words) - [Python - Dwolla Developer Portal](/content/developers/docs/sdks-tools/python/index.html): Use Dwolla’s SDK for Python to build applications that interact with the Dwolla API to perform account-to-account payment functions. (769 words) - [PHP (Legacy) - Dwolla Developer Portal](/content/developers/docs/sdks-tools/php-legacy/index.html): Use Dwolla's legacy SDK for PHP to build applications that interact with the Dwolla API to perform account-to-account payment functions. (534 words) - [How to deactivate a customer in the Dwolla Dashboard](/content/support/s/article/how-to-deactivate-a-customer-in-the-dwolla-dashboard.html) (109 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/kba/index.html): Apply Knowledge Based Authentication (KBA) in your application to verify the identity of a Personal Verified Customer. (117 words) - [C# - Dwolla Developer Portal](/content/developers/docs/sdks-tools/c-sharp/index.html): Use Dwolla's SDK for C# to build applications that interact with the Dwolla API to perform account-to-account payment functions. (667 words) - [Ruby - Dwolla Developer Portal](/content/developers/docs/sdks-tools/ruby/index.html): Use Dwolla’s SDK for Ruby to build applications that interact with the Dwolla API to perform account-to-account payment functions. (596 words) - [Model Context Protocol - Dwolla Developer Portal](/content/developers/docs/mcp-server/index.html): Learn how to use the Dwolla MCP Server to enable AI agents to retrieve and analyze data from Dwolla's payment platform using natural language. (933 words) - [PHP - Dwolla Developer Portal](/content/developers/docs/sdks-tools/php/index.html): Use Dwolla's SDK for PHP to build applications that interact with the Dwolla API to perform account-to-account payment functions. (837 words) - [Kotlin - Dwolla Developer Portal](/content/developers/docs/sdks-tools/kotlin/index.html): Use Dwolla’s SDK for Kotlin to build applications that interact with the Dwolla API to perform account-to-account payment functions. (681 words) - [Initiate a KBA session - Dwolla Developer Portal](/content/developers/docs/api-reference/kba/initiate-a-kba-session/index.html): Creates a new KBA (Knowledge-Based Authentication) session for a personal Verified Customer. Returns a KBA identifier that represents the session and is used to retrieve authentication questions for customer verification. (194 words) - [Retrieve KBA Questions - Dwolla Developer Portal](/content/developers/docs/api-reference/kba/retrieve-kba-questions/index.html): Returns the KBA questions for a specific KBA session. The questions are used to verify the customer's identity during the KBA process. (214 words) - [List business classifications - Dwolla Developer Portal](/content/developers/docs/api-reference/customers/list-business-classifications/index.html): Returns a directory of business and industry classifications required for creating business verified customers. Each business classification contains multiple industry classifications. The industry classification ID must be provided in the businessClassification parameter during business customer creation for verification. (228 words) - [Retrieve a business classification - Dwolla Developer Portal](/content/developers/docs/api-reference/customers/retrieve-a-business-classification/index.html): Returns a specific business classification with its embedded industry classifications. Use this endpoint to browse available industry options within a business category and obtain the industry classification ID required for the businessClassification parameter when creating business verified customers. (210 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/beneficial-owners/index.html): Create, certify, remove, update and list Beneficial Owners for a Business Verified Customer. (149 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/documents/index.html): Create, list, and retrieve documents from Customers and Beneficial Owners. (263 words) - [Will I be penalized if an ACH transaction is returned?](/content/support/s/article/will-i-be-penalized-if-an-ach-transaction-is-returned.html) (110 words) - [List exchange partners - Dwolla Developer Portal](/content/developers/docs/connect/api-reference/exchanges/list-exchange-partners/index.html): Simplify A2A Payments: List Dwolla Connect Exchange Partners. Seamlessly connect to various financial institutions through Exchange Partners and empower your A2A payment integration. (329 words) - [What are unauthorized returns?](/content/support/s/article/what-are-unauthorized-returns/index.html) (76 words) - [How do I know if I received an ACH return?](/content/support/s/article/how-do-i-know-if-i-received-an-ach-return/index.html) (74 words) - [Page Not Found](/content/developers/api-reference/customers/retrieve-a-customer/index.html) (36 words) - [404 - Page not found](/content/updates/improving-transport-layer-security/index.html) (20 words) - [Page Not Found](/content/developers/api-reference/documents/create-document-for-customer/index.html) (41 words) - [Page Not Found](/content/developers/api-reference/kba/verify-kba-questions/index.html) (36 words) - [Page Not Found](/content/developers/concepts/bank-funding-source/index.html) (34 words) - [Page Not Found](/content/developers/api-reference/kba/initiate-kba-session/index.html) (36 words) - [Page Not Found](/content/developers/api-reference/kba/retrieve-kba-questions/index.html) (35 words) - [Page Not Found](/content/developers/concepts/transfer-failures/index.html) (37 words) - [Page Not Found](/content/developers/api-reference/funding-sources/update/index.html) (35 words) - [Page Not Found](/content/developers/api-reference/transfers/initiate/index.html) (34 words) - [404 - Page not found](/content/updates/announcing-real-time-payments/index.html) (20 words) - [404 - Page not found](/content/updates/how-ach-payments-work/index.html) (20 words) - [What happens to a pending transfer when a funding source is updated?](/content/support/s/article/what-happens-to-a-pending-transfer-when-a-funding-source-is-updated.html) (162 words) - [How do I attach a new funding source?](/content/support/s/article/how-do-i-attach-a-new-funding-source/index.html) (424 words) - [If an ACH transaction is marked as ‘processed,’ can that status change?](/content/support/s/article/if-an-ach-transaction-is-marked-as-processed-can-that-status-change.html) (225 words) - [Communication Timeline for 1099-K Updates](/content/p/form-1099-k-communication-timeline/index.html): Starting in December, Dwolla will be communicating with your customers who meet the criteria for a Form 1099-K. The timeline outlines the different stages. (1,674 words) - [Page Not Found](/content/developers/guides/receive-money/index.html) (35 words) - [Dwolla: A Single Solution for Finance Teams (5)](/content/updates/page/5/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (5) (213 words) - [What is CIP/KYC and why do my end-users have to go through CIP/KYC verification?](/content/support/s/article/what-is-cip-kyc-and-why-do-my-end-users-have-to-go-through-cip-kyc-verification.html) (277 words) - [If a transaction is marked as `processed,` can that status change?](/content/support/s/article/if-a-transaction-is-marked-as-processed-can-that-status-change.html) (211 words) - [404 - Page not found](/content/updates/digital-wallet-for-business/index.html) (20 words) - [What’s the difference between RTP® and FedNow?](/content/support/s/article/what-s-the-difference-between-rtp-and-fednow/index.html) (168 words) - [status/history-rss.html](/content/status/history-rss.html) (750 words) - [What are the different fund flows supported by Dwolla?](/content/support/s/article/what-are-the-different-fund-flows-supported-by-dwolla.html) (67 words) - [Dwolla Status - Incident History](/content/status/history/index.html): Dwolla's Incident and Scheduled Maintenance History (260 words) - [Origin DNS error | tax-documents.dwolla.com | Cloudflare](/content/tax-documents/c2bdcc87-91cd-41dd-9b06-5e31d4d3bbe4/index.html) (82 words) - [What is a ‘facilitation’ funds flow?](/content/support/s/article/what-is-a-facilitation-funds-flow/index.html) (130 words) - [Page Not Found](/content/developers/api-reference/root/index.html) (26 words) - [Page Not Found](/content/developers/api-reference/mass-payments/index.html) (38 words) - [What is a ‘send’ funds flow?](/content/support/s/article/what-is-a-send-funds-flow/index.html) (121 words) - [status/history-atom.html](/content/status/history-atom.html) (607 words) - [Page Not Found](/content/developers/api-reference/customers/update/index.html) (38 words) - [404 - Page not found](/content/updates/real-time-usd-ledger-labels/index.html) (16 words) - [404 - Page not found](/content/updates/important-sandbox-updates-subdomain-change-and-sunsetting-of-the-sandbox-console.html) (16 words) - [Page Not Found](/content/developers/guides/business-verified-customer/handle-verification-statuses/index.html) (34 words) - [404 - Page not found](/content/updates/sunsetting-a-legacy/index.html) (20 words) - [404 - Page not found](/content/updates/customizing-payments-businesses/index.html) (20 words) - [Dwolla Status - Uptime History](/content/status/uptime/index.html): Dwolla's Uptime History (502 words) - [Page Not Found](/content/developers/docs/balance/api-reference/api-fundamentals/api-allowlist/index.html) (26 words) - [How to setup MFA for Support Portal?](/content/support/s/article/how-to-setup-mfa-for-support-portal/index.html) (185 words) - [Does Dwolla support “magic links” or ways for a user to authenticate their account without a password?](/content/support/s/article/does-dwolla-support-magic-links-or-ways-for-a-user-to-authenticate-their-account-without-a-password.html) (188 words) - [How to check the transaction failure reason in the Dwolla Dashboard](/content/support/s/article/how-to-check-the-transaction-failure-reason-in-the-dwolla-dashboard.html) (287 words) - [How to view the transaction history for a particular end user in the Dwolla Dashboard.](/content/support/s/article/how-to-view-the-transaction-history-for-a-particular-end-user-in-the-dwolla-dashboard.html) (175 words) - [Dwolla Status - Elevated API 500 errors on Customers, Funding Sources, and Mass Payments](/content/status/incidents/spq4wnbwdw7s/index.html): Dwolla's Status Page - Elevated API 500 errors on Customers, Funding Sources, and Mass Payments. (134 words) - [Why did I get a customer_transfer_completed webhook then a customer_transfer_failed after it?](/content/support/s/article/why-did-i-get-a-customer-transfer-completed-webhook-then-a-customer-transfer-failed-after-it.html) (78 words) - [Does Dwolla support payments outside of the United States?](/content/support/s/article/payments-outside-of-the-united-states/index.html) (46 words) - [How to view operational notifications sent to customers in the Dwolla Dashboard.](/content/support/s/article/how-to-view-operational-notifications-sent-to-customers-in-the-dwolla-dashboard.html) (159 words) - [How to view transaction details associated with the master account in the Dwolla Dashboard.](/content/support/s/article/how-to-view-transaction-details-associated-with-the-master-account-in-the-dwolla-dashboard.html) (166 words) - [What is a receive-only user in the API?](/content/support/s/article/what-is-a-receive-only-user-in-the-api/index.html) (69 words) - [Why is my end user being asked to upload a document for verification?](/content/support/s/article/why-is-my-end-user-being-asked-to-upload-a-document-for-verification.html) (141 words) - [When a Verified Customer type isn’t fully verified, can they send/receive transfers?](/content/support/s/article/when-a-verified-customer-type-isn-t-fully-verified-can-they-send-receive-transfers.html) (201 words) - [What is Plaid? What is Dwolla’s relationship to Plaid?](/content/support/s/article/what-is-plaid-what-is-dwollas-relationship-to-plaid.html) (142 words) - [Changelog - Dwolla Developer Portal](/content/developers/docs/changelog/index.html): Keep up to date on new product features and enhancements, API docs, tools changes, and development updates. (3,337 words) - [What options does Dwolla offer for bank account verification?](/content/support/s/article/what-options-does-dwolla-offer-for-bank-account-verification.html) (206 words) - [How can we update the preferred/DBA name on our primary account?](/content/support/s/article/how-can-we-update-the-preferred-dba-name-on-our-primary-account.html) (190 words) - [What are the risks associated with real-time payments?](/content/support/s/article/what-are-the-risks-associated-with-real-time-payments.html) (227 words) - [How to customize operational notification email settings in the Dwolla Dashboard.](/content/support/s/article/how-to-customize-operational-notification-email-settings-in-the-dwolla-dashboard.html) (132 words) - [How can I add sub-users from my team to access the Dwolla Dashboard?](/content/support/s/article/how-can-i-add-sub-users-from-my-team-to-access-the-dwolla-dashboard.html) (102 words) - [How to change the email address associated with the master account in the Dwolla Dashboard.](/content/support/s/article/how-to-change-the-email-address-associated-with-the-master-account-in-the-dwolla-dashboard.html) (283 words) - [Does Dwolla have a SOC report? If so, how can I get access to it?](/content/support/s/article/does-dwolla-have-a-soc-report-if-so-how-can-i-get-access-to-it.html) (109 words) - [How long does it take to review my submitted application?](/content/support/s/article/how-long-does-it-take-to-review-my-submitted-application.html) (427 words) - [What is Dwolla's data retention policy?](/content/support/s/article/what-is-dwolla-s-data-retention-policy/index.html) (159 words) - [What type of partnership opportunities does Dwolla offer?](/content/support/s/article/what-type-of-partnership-opportunities-does-dwolla-offer.html) (102 words) - [Does Dwolla offer identity verification?](/content/support/s/article/does-dwolla-offer-identity-verification/index.html) (200 words) - [What is Open Banking?](/content/support/s/article/what-is-open-banking/index.html) (177 words) - [What can I do if I am a victim of a financial scam or fraudulent activity?](/content/support/s/article/what-can-i-do-if-i-am-a-victim-of-a-financial-scam-or-fraudulent-activity.html) (126 words) - [Can Dwolla offer any information about their BSA/AML program?](/content/support/s/article/can-dwolla-offer-any-information-about-their-bsa-aml-program.html) (67 words) - [Why is my master account suspended?](/content/support/s/article/why-is-my-master-account-suspended/index.html) (113 words) - [List account mass payments - Dwolla Developer Portal](/content/developers/docs/api-reference/accounts/list-mass-payments-for-an-account/index.html): Returns a paginated list of mass payments created by your Main Dwolla account. Results are sorted by creation date in descending order (newest first) and can be filtered by correlation ID. (260 words) - [Does Dwolla have a SOC1 report?](/content/support/s/article/does-dwolla-have-a-soc1-report/index.html) (65 words) - [If I initiate one mass payment that includes 20 individual transfers, will I be billed for one transfer or 20 transfers?](/content/support/s/article/if-i-initiate-one-mass-payment-that-includes-20-individual-transfers-will-i-be-billed-for-one-transfer-or-20-transfers.html) (82 words) - [What actions does Dwolla take for specific return codes?](/content/support/s/article/what-actions-does-dwolla-take-for-specific-return-codes.html) (120 words) - [How can I change the controller information on our primary account?](/content/support/s/article/how-can-i-change-the-controller-information-on-our-primary-account.html) (93 words) - [Can Dwolla give me additional end user account information?](/content/support/s/article/can-dwolla-give-me-additional-end-user-account-information.html) (111 words) - [How do I implement Dwolla’s Open Banking Services in my current integration?](/content/support/s/article/how-do-i-implement-dwolla-s-open-banking-services-in-my-current-integration.html) (152 words) - [Page Not Found](/content/developers/api-reference/transfers/retrieve-a-transfer-failure-reason/index.html) (36 words) - [404 - Page not found](/content/legal/dwolla-developer-tos/index.html) (20 words) - [What steps can I take to prevent ACH returns?](/content/support/s/article/what-steps-can-i-take-to-prevent-ach-returns/index.html) (289 words) - [List funding sources for an account - Dwolla Developer Portal](/content/developers/docs/api-reference/accounts/list-funding-sources-for-an-account/index.html): Get a list of all funding sources associated with a specific Main Dwolla Account. This endpoint returns both bank accounts and balance funding sources, with detailed information about each funding source's status, type, and available processing channels. (243 words) - [Retrieve account details - Dwolla Developer Portal](/content/developers/docs/api-reference/accounts/retrieve-account-details/index.html): Returns basic account information for your authorized Main Dwolla Account, including account ID, name, and links to related resources such as funding sources, transfers, and customers. (189 words) - [What can I do if I receive an ACH return because my customer claims a transaction was unauthorized?](/content/support/s/article/what-can-i-do-if-i-receive-an-ach-return-because-my-customer-claims-a-transaction-was-unauthorized.html) (238 words) - [Transfer Money Me-to-Me - Dwolla Developer Portal](/content/developers/docs/transfer-money-me-to-me/index.html): Move funds between two different bank accounts belonging to a single Verified Customer, e.g. for savings applications that move funds between a Customer's checking and savings accounts. (2,253 words) - [What is the sandbox and how is it different from production?](/content/support/s/article/what-is-the-sandbox-and-how-is-it-different-from-production.html) (117 words) - [Retrieve exchange partner - Dwolla Developer Portal](/content/developers/docs/api-reference/exchanges/retrieve-exchange-partner/index.html): Returns details for a specific open banking provider that integrates with Dwolla. Includes partner name, status, and creation date. Use this to verify partner availability before creating exchanges and funding sources. (244 words) - [List and search transfers for a customer - Dwolla Developer Portal](/content/developers/docs/api-reference/transfers/list-and-search-transfers-for-a-customer/index.html): Retrieve and search transfers for a specific Customer with comprehensive filtering and pagination support. Supports searching by customer details (name, email, business name), amount ranges, date ranges, transfer status, and correlation IDs for enhanced transaction discovery. Returns paginated transfer results including status, amounts, metadata, and links to source and destination funding sources. Use this endpoint for transaction history analysis and reconciliation purposes. (452 words) - [How can I determine when an end user funding source was created/removed?](/content/support/s/article/how-can-i-determine-when-an-end-user-funding-source-was-added-removed.html) (263 words) - [Retrieve an exchange session - Dwolla Developer Portal](/content/developers/docs/connect/api-reference/open-banking/retrieve-an-exchange-session/index.html): Retrieve an exchange session by ID. (159 words) - [Can I use an international bank account as a funding source?](/content/support/s/article/can-i-use-an-international-bank-account-as-a-funding-source.html) (91 words) - [Create an exchange for an account - Dwolla Developer Portal](/content/developers/docs/api-reference/exchanges/create-an-exchange-for-an-account/index.html): Create an exchange for an account. The request body will vary based on the exchange partner. For Finicity, the request body will include finicity-specific fields. For MX Secure Exchange, the request body will include a token. For Flinks Secure Exchange, the request body will include a token. For Plaid Secure Exchange, the request body will include a token. (237 words) - [Page Not Found](/content/developers/guides/business-verified-customer/create-a-customer/index.html) (33 words) - [Create an exchange for a customer - Dwolla Developer Portal](/content/developers/docs/api-reference/exchanges/create-an-exchange-for-a-customer/index.html): Creates an exchange connection between a customer and Dwolla. Request body varies by partner (Plaid, MX, Flinks, Finicity, Checkout.com). For bank accounts, use Plaid, MX, Flinks, or Finicity to establish secure access to the customer's bank account data. For debit cards (Push to Card), use Checkout.com and pass the payment ID from Checkout.com Flow. (280 words) - [What is `retry` status?](/content/support/s/article/what-is-retry-status/index.html) (212 words) - [Dwolla: A Single Solution for Finance Teams (4)](/content/updates/page/4/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (4) (245 words) - [Create a funding source for an external party - Dwolla Developer Portal](/content/developers/docs/connect/api-reference/funding-sources/create-for-external-party/index.html): Endpoint for creating funding sources for external parties. (514 words) - [What transaction activity can be performed in ‘document’ status?](/content/support/s/article/what-transaction-activity-can-be-performed-in-document-status.html) (133 words) - [What is Dwolla’s Instant Account Verification (IAV) solution?](/content/support/s/article/what-is-dwolla-s-instant-account-verification-iav-solution.html) (234 words) - [Create an exchange for an external party - Dwolla Developer Portal](/content/developers/docs/connect/api-reference/exchanges/create-exchange-for-an-external-party/index.html): Create an exchange for an external party. (20 words) - [Transfer Money Between Users - Dwolla Developer Portal](/content/developers/docs/transfer-money-between-users/index.html): Facilitate ACH transfers between two distinct parties, e.g. for marketplace applications that connect buyers with sellers for bank to bank payments. (1,286 words) - [Page Not Found](/content/developers/resources/testing-html.html) (36 words) - [Page Not Found](/content/developers/guides/sandbox/index.html) (26 words) - [Create an exchange session for an external party - Dwolla Developer Portal](/content/developers/docs/connect/api-reference/open-banking/create-exchange-session-for-an-external-party/index.html): Create an exchange session for an external party. (435 words) - [Page Not Found](/content/developers/guides/sandbox-setup/index.html) (35 words) - [Page Not Found](/content/developers/guides/business-verified-customer/index.html) (26 words) - [Why am I being asked to provide proof of active state registration for my business user?](/content/support/s/article/why-am-i-being-asked-to-provide-proof-of-active-state-registration-for-my-business-user.html) (101 words) - [What is a transaction send limit?](/content/support/s/article/what-is-a-transaction-send-limit/index.html) (215 words) - [404 - Page not found](/content/platform/labels/index.html) (16 words) - [Page Not Found](/content/developers/guides/business-verified-customer/add-beneficial-owners/index.html) (32 words) - [How Do You Generate Customer Transaction Reports?](/content/support/s/article/how-do-you-generate-customer-transaction-reports/index.html) (275 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/events/index.html): List or retrieve an event using the Dwolla API. (3,423 words) - [List fees for a transfer - Dwolla Developer Portal](/content/developers/docs/api-reference/transfers/list-fees-for-a-transfer/index.html): Retrieve detailed fee information for a specific transfer by its unique identifier. Returns the total number of fees and individual fee transaction details including amounts, status, and links to source and destination accounts. (188 words) - [Personal Verified Customer - Dwolla Developer Portal](/content/developers/docs/personal-verified-customer/index.html): Learn how to create a Verified personal Customer that can send and receive funds. (1,434 words) - [How do I find out which transaction caused a negative balance?](/content/support/s/article/how-do-i-find-out-which-transaction-caused-a-negative-balance.html) (114 words) - [Balance Funding Source - Dwolla Developer Portal](/content/developers/docs/balance-funding-source/index.html): Send to, receive from, or hold funds within the Dwolla network for client master accounts and Verified Customer accounts. (1,809 words) - [What is a preferred name for a business?](/content/support/s/article/what-is-a-preferred-name-for-a-business/index.html) (91 words) - [Can a Client create multiple sandbox accounts?](/content/support/s/article/can-a-client-create-multiple-sandbox-accounts/index.html) (71 words) - [What transaction activity can be performed in a ‘retry’ status?](/content/support/s/article/what-transaction-activity-can-be-performed-in-a-retry-status.html) (93 words) - [Does Dwolla support payments outside of the United States?](/content/support/s/article/does-dwolla-support-payments-outside-of-the-united-states.html) (111 words) - [How to check the document verification failure reason in the Dwolla Dashboard](/content/support/s/article/how-to-check-the-document-verification-failure-reason-in-the-dwolla-dashboard.html) (172 words) - [Does Dwolla accept debit cards for payments?](/content/support/s/article/does-dwolla-accept-debit-cards-for-payments/index.html) (55 words) - [Why are my end users’ documents failing verification?](/content/support/s/article/why-are-my-end-users-documents-failing-verification.html) (254 words) - [List available exchange connections - Dwolla Developer Portal](/content/developers/docs/api-reference/exchange-sessions/list-available-exchange-connections/index.html): Returns available exchange connections for a customer's bank accounts authorized through MX Connect. Each connection includes an account name and availableConnectionToken required to create exchanges and funding sources for transfers. (195 words) - [What type of business documents are acceptable to verify a client account?](/content/support/s/article/what-type-of-business-documents-are-acceptable-to-verify-a-client-account.html) (217 words) - [Testing in the Sandbox - Dwolla Developer Portal](/content/developers/docs/testing/index.html): Test and refine your integration in the Dwolla Sandbox—a free, full-featured environment that simulates real API interactions, allowing you to build, experiment, and validate your application before going live. (1,074 words) - [1099K](/content/support/s/topic/0tohs000002qz8zoaw/1099k/index.html) (234 words) - [What is the difference between Verified vs. Unverified Funding Source functionality?](/content/support/s/article/what-is-the-difference-between-verified-vs-unverified-funding-source-functionality.html) (110 words) - [Can you downgrade a Verified Customer Record to an Unverified Customer Record?](/content/support/s/article/can-you-downgrade-a-verified-customer-record-to-an-unverified-customer-record.html) (122 words) - [Does Dwolla reverse microdeposits?](/content/support/s/article/does-dwolla-reverse-microdeposits/index.html) (88 words) - [What is a ‘Me-to-Me’ funds flow?](/content/support/s/article/what-is-a-me-to-me-funds-flow/index.html) (118 words) - [What transaction limits apply to Same Day ACH credits and debits?](/content/support/s/article/what-transaction-limits-apply-to-same-day-ach-credits-and-debits.html) (125 words) - [How can I raise my transaction limit?](/content/support/s/article/how-can-i-raise-my-transaction-limit/index.html) (132 words) - [What are the risks associated with faster payments (e.g. Next Day ACH, Same Day ACH, Real-time Payments)?](/content/support/s/article/what-are-the-risks-with-faster-payments-e-g-next-day-ach-same-day-ach-real-time-payments.html) (229 words) - [Is there a limit to the amount of funds that can be received by an end-user?](/content/support/s/article/is-there-a-limit-to-the-amount-of-funds-that-can-be-received-by-an-end-user.html) (144 words) - [What is a ‘receive’ funds flow?](/content/support/s/article/what-is-a-receive-funds-flow/index.html) (76 words) - [Page Not Found](/content/developers/docs/sdks-tools/php-new/index.html) (26 words) - [2025 1099K State Threshold Requirements](/content/support/s/article/2025-1099k-state-threshold-requirements/index.html) (415 words) - [404 - Page not found](/content/legal/about-our-financial-institution-partner/index.html) (16 words) - [Bank Funding Source - Dwolla Developer Portal](/content/developers/docs/bank-funding-source/index.html): Learn about the different methods of adding and verifying a bank funding source to a Customer account. (1,157 words) - [How to Use the Dwolla Support Portal | Dwolla](/content/p/dwolla-support-portal-resource/index.html): The Dwolla Support Portal provides a centralized location for clients and partners to contact Dwolla’s support team and review support request history. (933 words) - [What is a Business Verified Customer Record (VCR)?](/content/support/s/article/what-is-a-business-verified-customer-record-vcr/index.html) (274 words) - [As a Dwolla client, what can I do if I lose or don't receive the email with my unique link to the 1099-K portal?](/content/support/s/article/what-can-i-do-if-i-lose-or-don-t-receive-the-email-with-my-unique-link-to-the-1099-k-portal.html) (175 words) - [Why did I receive a 1099-K from Dwolla?](/content/support/s/article/why-did-i-receive-a-1099-k-from-dwolla/index.html) (218 words) - [What is a Personal Verified Customer Record (VCR)?](/content/support/s/article/what-is-a-personal-verified-customer-record-vcr/index.html) (195 words) - [What can I do if my end user loses or doesn’t receive the email with their unique link to the 1099-K portal?](/content/support/s/article/what-can-i-do-if-my-end-user-loses-or-doesn-t-receive-the-email-with-their-unique-link-to-the-1099-k-portal.html) (171 words) - [Have questions about Form 1099-K? Check out our Form 1099-K resources!](/content/support/s/article/have-questions-about-form-1099-k-check-out-our-form-1099-k-resources.html) (78 words) - [Send Money - Dwolla Developer Portal](/content/developers/docs/send-money/index.html): Learn the key steps involved with sending funds to your end user's bank account. (975 words) - [I received a list of email addresses for my end users that Dwolla couldn’t email about accessing the 1099-K portal. What should I do?](/content/support/s/article/i-received-a-list-of-email-addresses-for-my-end-users-that-dwolla-couldn-t-email-about-accessing-the-1099-k-portal-what-should-i-do.html) (56 words) - [Why does Dwolla require a physical address to create a customer?](/content/support/s/article/why-does-dwolla-require-a-physical-address-to-create-a-customer.html) (229 words) - [Quickstart - Dwolla Developer Portal](/content/developers/docs/quickstart/index.html): Make your first authenticated Dwolla API call in under 5 minutes. (617 words) - [Trust Center - Dwolla](/content/trust/controls/index.html): Dwolla’s mission is to empower innovation with a reliable, easy-to-use payments platform. Securing this platform is a continuous journey, evolving with our technology, people, and culture. We prioritize data and identity protection, leveraging the latest technology, rigorous processes, and independent assessments to ensure the highest security standards. (943 words) - [Initiate a mass payment - Dwolla Developer Portal](/content/developers/docs/api-reference/mass-payments/initiate-a-mass-payment/index.html): Create a mass payment containing up to 5,000 individual payment items from a Dwolla Main Account or Verified Customer funding source. Supports optional metadata, correlation IDs for traceability, deferred processing, and expedited transfer options including same-day ACH clearing. Returns the location of the created mass payment resource with a unique identifier for tracking and management. (722 words) - [Page Not Found](/content/developers/concepts/transfer-lifecycle/index.html) (34 words) - [Page Not Found](/content/developers/api-reference/transfers/list-and-search-transfers-for-a-customer/index.html) (42 words) - [Page Not Found](/content/developers/concepts/balance-funding-source/index.html) (34 words) - [Page Not Found](/content/developers/concepts/customer-types/index.html) (35 words) - [Page Not Found](/content/developers/concepts/webhook-events/index.html) (33 words) - [How old does an end user need to be in order to create an account on the Dwolla Platform?](/content/support/s/article/how-old-does-an-end-user-need-to-be-in-order-to-create-an-account-on-the-dwolla-platform.html) (125 words) - [What is Dwolla? - Dwolla Developer Portal](/content/developers/docs/what-is-dwolla/index.html): Leverage Dwolla's existing financial institution relationship to connect your business to the U.S. banking infrastructure. (473 words) - [Trust Center - Dwolla](/content/trust/resources/index-2.html): Dwolla’s mission is to empower innovation with a reliable, easy-to-use payments platform. Securing this platform is a continuous journey, evolving with our technology, people, and culture. We prioritize data and identity protection, leveraging the latest technology, rigorous processes, and independent assessments to ensure the highest security standards. (112 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/index.html): Comprehensive, structured, and up-to-date documentation for all Dwolla API endpoints, parameters, request/response schemas, and usage examples. (281 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/exchanges/index.html): Create, list, and retrieve exchanges and exchange partners. (230 words) - [Are webhooks delivered in order?](/content/support/s/article/are-webhooks-delivered-in-order/index.html) (134 words) - [Retrieve a customer - Dwolla Developer Portal](/content/developers/docs/api-reference/customers/retrieve-a-customer/index.html): Retrieve identifying information for a specific customer. The returned data varies by customer type - verified customers include contact details, address information, and verification status, while unverified customers and receive-only users contain basic contact information only. (245 words) - [Dwolla’s Password Hashing Requirements](/content/support/s/article/dwolla-s-password-hashing-requirements/index.html) (227 words) - [Business Verified Customer - Dwolla Developer Portal](/content/developers/docs/business-verified-customer/index.html): Verifying a business' identity enables increased functionality on the platform. Create a business Customer that can receive funds and send up to $10,000 per transfer (default). (11,851 words) - [Building with Drop-in Components - Dwolla Developer Portal](/content/developers/docs/drop-in-components/building-with-drop-ins/index.html): Dwolla's Drop-in Components are low-code solutions to abstract away the complexity of integrating with a payment API and act as a shortcut to completing a payment integration. (1,796 words) - [Making Requests and Authentication - Dwolla Developer Portal](/content/developers/docs/api-reference/api-fundamentals/making-requests-and-authentication/index.html): Learn how to construct well-formed API requests, set essential headers, and implement robust authentication. (648 words) - [Does Dwolla have an Instant Account Verification (IAV) solution?](/content/support/s/article/does-dwolla-have-an-instant-account-verification-iav-solution.html) (147 words) - [Is there an endpoint or call to mass-cancel transactions?](/content/support/s/article/is-there-an-endpoint-or-call-to-mass-cancel-transactions.html) (273 words) - [Streamline Payments and Optimize Operations | Dwolla](/content/resources/dwolla-connect/index.html): Automate and optimize payment operations with Dwolla. Gain real-time visibility into cash flow and reduce costs. Discover the opportunities of digital transformation for suppliers. Dwolla is disrupting enterprise payments with its innovative Connect solution. (141 words) - [Who can I reach out to for customer support?](/content/support/s/article/who-can-i-reach-out-to-for-customer-support/index.html) (120 words) - [What type of personal documents are acceptable to verify a customer’s account?](/content/support/s/article/what-type-of-personal-documents-are-acceptable-to-verify-a-customer-s-account.html) (152 words) - [Can I upgrade an Unverified Customer Record to a Verified Customer Record?](/content/support/s/article/can-i-upgrade-an-unverified-customer-record-to-a-verified-customer-record.html) (180 words) - [How to view webhooks and webhook subscriptions in the Dwolla Dashboard.](/content/support/s/article/how-to-view-webhooks-and-webhook-subscriptions-in-the-dwolla-dashboard.html) (175 words) - [How do I rotate or revoke my Dwolla API key and secret?](/content/support/s/article/how-do-i-rotate-or-revoke-my-dwolla-api-key-and-secret.html) (148 words) - [How do I programmatically refresh an API access token?](/content/support/s/article/how-do-i-programmatically-refresh-an-api-access-token.html) (163 words) - [Update beneficial owner - Dwolla Developer Portal](/content/developers/docs/api-reference/beneficial-owners/update-beneficial-owner/index.html): Updates a beneficial owner's information to retry verification when their status is "incomplete". Only beneficial owners with incomplete verification status can be updated. Used to correct information that caused initial verification to fail. (439 words) - [Can I add sub-users (team members) to my sandbox account?](/content/support/s/article/can-i-add-sub-users-team-members-to-my-sandbox-account.html) (90 words) - [How many verification documents can a user upload at a time?](/content/support/s/article/how-many-verification-documents-can-a-user-upload-at-a-time.html) (126 words) - [Create a label ledger entry - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/create-a-label-ledger-entry/index.html): Create a new ledger entry to track fund adjustments on a Label by specifying a positive or negative amount value. Returns the location of the created ledger entry in the response header. Label amounts cannot go negative, so validation errors occur if the entry would result in a negative Label balance. (262 words) - [Can I upgrade a Receive Only Customer to a Verified Customer Record?](/content/support/s/article/can-i-upgrade-a-receive-only-customer-to-a-verified-customer-record.html) (96 words) - [Update a customer - Dwolla Developer Portal](/content/developers/docs/api-reference/customers/update-a-customer/index.html): Update Customer information, upgrade an unverified Customer to a verified Customer, suspend a Customer, deactivate a Customer, reactivate a Customer, and update a verified Customer's information to retry verification. (254 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/transfers/index.html): Create, list, cancel, or retrieve transfer details. (1,363 words) - [Retrieve a webhook - Dwolla Developer Portal](/content/developers/docs/api-reference/webhooks/retrieve-a-webhook/index.html): Retrieve detailed information for a specific webhook by its unique identifier including delivery attempts and response data. Returns webhook details with topic, account information, delivery attempts containing request/response history, and links to subscription and retry resources. Essential for debugging webhook delivery issues, analyzing response data, and monitoring notification processing status. (245 words) - [Page Not Found](/content/developers/docs/api-reference/documents/create-a-document-for-a-customer/index.html) (15 words) - [Create a label for a customer - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/create-a-label-for-a-customer/index.html): Creates a new label for a Verified Customer with a specified amount. Labels help organize and track funds within a customer's balance. Returns the location of the created label resource in the response header. (289 words) - [Handling Responses - Dwolla Developer Portal](/content/developers/docs/api-reference/api-fundamentals/handling-responses/index.html): Learn how to interpret Dwolla API responses including response types, status codes, headers, and body conventions. (426 words) - [Create customer exchange session - Dwolla Developer Portal](/content/developers/docs/api-reference/exchange-sessions/create-customer-exchange-session/index.html): Creates an exchange session for a customer. Use cases include: - Plaid / MX: Instant bank account verification (open banking). For faster verification as compared to traditional micro-deposits. - Checkout.com: Debit card capture for Push to Card. Create a session, then retrieve it to get externalProviderSessionData (payment session) for the Checkout.com Flow component. (591 words) - [Idempotency Key - Dwolla Developer Portal](/content/developers/docs/api-reference/api-fundamentals/idempotency-key/index.html): Generate unique keys to prevent accidental duplicate transactions and ensure predictable API behavior. Build robust and reliable financial applications with confidence. (261 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/api-fundamentals/index.html): Streamline A2A Payments with Dwolla: Understand the API Fundamentals. Explore request/response structures, authentication, error handling, and more. (273 words) - [Retrieve event - Dwolla Developer Portal](/content/developers/docs/api-reference/events/retrieve-event/index.html): Returns detailed information for a specific event representing a state change that occurred on a resource in your Dwolla application. Includes the event topic, timestamp, resource links, and correlation ID if applicable. (230 words) - [JSON-HAL and Dwolla HAL-Forms - Dwolla Developer Portal](/content/developers/docs/api-reference/api-fundamentals/json-hal-hypermedia/index.html): Uncover the power of Dwolla HAL-Forms for intuitive API interactions. Grasp JSON-HAL and how Dwolla expands it for dynamic forms. Effortlessly transition between resource states and gain valuable insights for a streamlined integration. (319 words) - [IP Allowlist - Dwolla Developer Portal](/content/developers/docs/api-reference/api-fundamentals/ip-allowlist/index.html): Understand IP Allowlisting. Explore how to define authorized IP addresses, prevent unauthorized activity, and troubleshoot Forbidden errors. (186 words) - [Cancel a transfer - Dwolla Developer Portal](/content/developers/docs/api-reference/transfers/cancel-a-transfer/index.html): Cancel a pending transfer by setting its status to cancelled. Only transfers in pending status can be cancelled before processing begins. Returns the updated transfer resource with cancelled status. Use this endpoint to stop a bank transfer from further processing. (228 words) - [Remove beneficial owner - Dwolla Developer Portal](/content/developers/docs/api-reference/beneficial-owners/delete-beneficial-owner/index.html): Permanently removes a beneficial owner from a business customer. This action is irreversible and the beneficial owner cannot be retrieved after removal. Removing a beneficial owner will change the customer's certification status to "recertify". (146 words) - [Remove a label - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/remove-a-label/index.html): Delete a Label to stop tracking funds and remove it from your account. Returns success status if the Label is successfully removed. Use this to streamline your account management and remove unused Labels from your system. (178 words) - [Rate Limits - Dwolla Developer Portal](/content/developers/docs/api-reference/api-fundamentals/rate-limits/index.html): Ensure smooth integration by understanding Dwolla's API rate limits. Grasp concurrency and volume-based limits, and learn effective strategies to handle 429 Too Many Requests errors. (164 words) - [Create an application access token - Dwolla Developer Portal](/content/developers/docs/api-reference/tokens/create-an-application-access-token/index.html): Generate an application access token using OAuth 2.0 client credentials flow for server-to-server authentication. Requires client ID and secret sent via Basic authentication header with grant_type=client_credentials in the request body. Returns a bearer access token with expiration time for authenticating API requests scoped to your application. Essential for secure API access. (260 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/funding-sources/index.html): Create, update, remove or retrieve a funding source with the API. Use Finicity, MX, or Flinks via Secure Exchange, Plaid, or micro deposits to verify the funding source. (855 words) - [ACH Operational Guide | Understand Dwolla's functionalities and the ACH Network](/content/p/ach-operational-guide/index.html): Learn some of Dwolla's functionalities and better understand the ACH network in this ACH Operational Guide. (2,023 words) - [404 - Page not found](/content/updates/same-day-ach-transaction-limits/index.html) (20 words) - [List retries for a webhook - Dwolla Developer Portal](/content/developers/docs/api-reference/webhooks/list-retries-for-a-webhook/index.html): Retrieve all retry attempts for a specific webhook including timestamps and delivery details. Returns a list of retry attempts with unique identifiers, timestamps, and links to the parent webhook with total count. Essential for tracking webhook delivery failures, analyzing retry patterns, and debugging webhook notification issues to ensure reliable event processing. (209 words) - [Retrieve a transfer failure reason - Dwolla Developer Portal](/content/developers/docs/api-reference/transfers/retrieve-a-transfer-failure-reason/index.html): Retrieve detailed failure information for a failed bank or VAN transfer including the ACH return code, description, and explanation. Returns failure details with links to the failed funding source and associated Customer for comprehensive error analysis. Available only for transfers with failure status and accessed through the failure link from transfer retrieval. Critical for troubleshooting payment failures and understanding ACH return reasons. (243 words) - [Retrieve a funding source - Dwolla Developer Portal](/content/developers/docs/api-reference/funding-sources/retrieve-a-funding-source/index.html): Returns detailed information for a specific funding source, including its type, status, and verification details. Supports bank accounts (via Open Banking), debit card funding sources, and Dwolla balance (verified customers only). Debit card funding sources include masked card details such as brand, last four digits, expiration date, and cardholder name. (296 words) - [Retrieve a transfer - Dwolla Developer Portal](/content/developers/docs/api-reference/transfers/retrieve-a-transfer/index.html): Retrieve detailed information for a specific transfer by its unique identifier belonging to an Account or Customer. Returns transfer status, amount, creation date, clearing details, and links to source and destination funding sources for complete transaction tracking. Includes cancellation links when applicable and references to related funding transfers. Essential for monitoring transfer lifecycle and transaction reconciliation. (301 words) - [Create a document for beneficial owner - Dwolla Developer Portal](/content/developers/docs/api-reference/documents/create-a-document-for-beneficial-owner/index.html): Uploads an identity verification document for a beneficial owner using multipart form-data. Required when a beneficial owner has "document" status during the business verification process. (175 words) - [Create a document for customer - Dwolla Developer Portal](/content/developers/docs/api-reference/documents/create-a-document-for-customer/index.html): Uploads an identity verification document for a customer using multipart form-data. Required when a customer has "document" status during the verification process. (268 words) - [Create customer beneficial owner - Dwolla Developer Portal](/content/developers/docs/api-reference/beneficial-owners/create-beneficial-owner/index.html): Creates a new beneficial owner for a business verified customer. Beneficial owners are individuals who own 25% or more of the company's equity. Requires personal information, address, and SSN or passport for identity verification. (408 words) - [Create a funding source for an account - Dwolla Developer Portal](/content/developers/docs/api-reference/accounts/create-a-funding-source-for-an-account/index.html): Create a funding source by adding a bank account to a Main Dwolla Account. This endpoint allows you to connect a checking or savings account using either manual bank account details or an exchange resource. For more information about funding sources, see the Funding Sources API Reference. (268 words) - [Retry a webhook - Dwolla Developer Portal](/content/developers/docs/api-reference/webhooks/retry-a-webhook/index.html): Retry a webhook by its unique identifier to redeliver the notification to your endpoint. Creates a new retry attempt and returns the location of the new webhook resource. Essential for recovering from webhook delivery failures and ensuring reliable event notification processing in your application. (143 words) - [Initiate or Verify micro-deposits - Dwolla Developer Portal](/content/developers/docs/api-reference/funding-sources/initiate-or-verify-micro-deposits/index.html): Handles micro-deposit bank verification process. Make a request without a request body to initiate two small deposits to the customer's bank account. Include deposit amounts to verify the received values and complete verification. (216 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/mass-payments/index.html): Create, list, update, and retrieve mass payments using the Dwolla API. (370 words) - [Retrieve exchange session - Dwolla Developer Portal](/content/developers/docs/api-reference/exchange-sessions/retrieve-exchange-session/index.html): Returns details of a previously created exchange session. Response varies by partner: - MX: _links.external-provider-session.href (redirect URL for verification). - Plaid: externalProviderSessionToken (token to initialize Plaid Link). - Checkout.com: externalProviderSessionData with id, payment_session_secret, and payment_session_token to initialize the Checkout.com Flow component for debit card capture (Push to Card). (384 words) - [Retrieve VAN account and routing numbers - Dwolla Developer Portal](/content/developers/docs/api-reference/funding-sources/retrieve-van-account-and-routing-numbers/index.html): Returns the unique account and routing numbers for a Virtual Account Number (VAN) funding source. These numbers can be used by external systems to initiate ACH transactions that pull funds from or push funds to the associated Dwolla balance. (195 words) - [Create an on-demand transfer authorization - Dwolla Developer Portal](/content/developers/docs/api-reference/transfers/create-an-on-demand-transfer-authorization/index.html): Create an on-demand transfer authorization that allows Customers to pre-authorize variable amount ACH transfers from their bank account for future payments. This authorization is used when creating Customer funding sources to enable flexible payment processing. Returns UI text elements including authorization body text and button text for display in your application's bank account addition flow. (309 words) - [Update or remove a funding source - Dwolla Developer Portal](/content/developers/docs/api-reference/funding-sources/update-or-remove-a-funding-source/index.html): Updates a bank funding source's details or soft deletes it. When updating, you can change the name (any status) or modify routing/account numbers and account type (unverified status only). When removing, the funding source is soft deleted and can still be accessed but marked as removed. (263 words) - [List and search account transfers - Dwolla Developer Portal](/content/developers/docs/api-reference/accounts/list-and-search-transfers-for-an-account/index.html): Returns a paginated, searchable list of transfers associated with the specified Main Dwolla account. Supports advanced filtering by amount range, date range, transfer status, and correlation ID. Results are limited to 10,000 transfers per query; use date range filters for historical data beyond this limit. (432 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/labels/index.html): Labels represent a designated portion of funds within a Verified Customer's balance. Create, remove, and list them using the Dwolla API. (211 words) - [Node - Dwolla Developer Portal](/content/developers/docs/sdks-tools/node/index.html): Use Dwolla’s SDK for Node to build applications that interact with the Dwolla API to perform account-to-account payment functions. (602 words) - [Retrieve exchange resource - Dwolla Developer Portal](/content/developers/docs/api-reference/exchanges/retrieve-exchange-resource/index.html): Returns details for a specific exchange connection between Dwolla and an open banking partner for a customer's bank account. Includes exchange status, creation date, and links to the associated customer and exchange partner. (257 words) - [ACH Returns FAQ](/content/support/s/article/ach-returns-faq/index.html) (1,297 words) - [Create re-authentication exchange session - Dwolla Developer Portal](/content/developers/docs/api-reference/exchange-sessions/create-re-authentication-exchange-session/index.html): Creates a re-authentication exchange session to refresh a user's bank account connection when their existing authorization is no longer valid. Required when receiving an UpdateCredentials error during bank balance checks or when user re-authentication is needed. (224 words) - [Retrieve funding source balance - Dwolla Developer Portal](/content/developers/docs/api-reference/funding-sources/retrieve-funding-source-balance/index.html): Returns the current balance for a specific funding source. For bank accounts, includes available and closing balances; for Dwolla balance, includes balance and total amounts; for settlement accounts (bankUsageType = card-network), includes available balance only. Supports bank accounts (via Open Banking), Dwolla balance (verified customers only), and settlement accounts for card network processing. (167 words) - [Create customer funding source - Dwolla Developer Portal](/content/developers/docs/api-reference/funding-sources/create-customer-funding-source/index.html): Creates a bank account or debit card funding source for a customer. Supports multiple methods including manual entry with routing/account numbers, instant verification using existing open banking connections, debit card addition via Exchange, and virtual account numbers. Bank funding sources require verification before transfers can be initiated. (240 words) - [List and search customers - Dwolla Developer Portal](/content/developers/docs/api-reference/customers/list-and-search-customers/index.html): Returns a paginated list of customers sorted by creation date. Supports fuzzy search across customer names, business names, and email addresses, plus exact filtering by email and verification status. Default limit is 25 customers per page, maximum 200. (306 words) - [What API rate limits exist for Dwolla’s Sandbox and Production environments?](/content/support/s/article/what-api-rate-limits-exist-for-dwolla-s-sandbox-and-production-environments.html) (336 words) - [What is an administrative return?](/content/support/s/article/what-is-an-administrative-return/index.html) (138 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/accounts/index.html): Endpoints for your Main Dwolla account that include funding source creation, mass payment and transfer listings, and retrieving account details. (195 words) - [List exchanges for a customer - Dwolla Developer Portal](/content/developers/docs/api-reference/exchanges/list-exchanges-for-a-customer/index.html): Returns all exchanges for a specific customer. Exchanges represent connections between the customer's external bank accounts and open banking partners. Includes exchange status, creation date, and links to associated funding sources and partners. (276 words) - [Receive Money from Users - Dwolla Developer Portal](/content/developers/docs/receive-money/index.html): Learn the key steps involved with receiving funds from your end user's bank account. (1,641 words) - [What are Same Day ACH debits?](/content/support/s/article/what-are-same-day-ach-debits/index.html) (132 words) - [Retrieve micro-deposits details - Dwolla Developer Portal](/content/developers/docs/api-reference/funding-sources/retrieve-micro-deposits-details/index.html): Returns the status and details of micro-deposits for a funding source to check verification eligibility. Includes deposit status (pending, processed, failed), creation timestamp, and failure details with ACH return codes if deposits failed. Use this endpoint to determine when micro-deposits are ready for verification. (201 words) - [List exchanges for an account - Dwolla Developer Portal](/content/developers/docs/api-reference/exchanges/list-exchanges-for-an-account/index.html): Returns all exchanges for your Dwolla account. Exchanges represent connections between external bank accounts and your account through open banking partners. Includes exchange status, creation date, and associated partner information. (293 words) - [List exchange partners - Dwolla Developer Portal](/content/developers/docs/api-reference/exchanges/list-exchange-partners/index.html): Returns a list of all supported exchange partners. Each partner includes a unique ID, name, and status indicating whether they are active or inactive. (239 words) - [Page Not Found](/content/developers/guides/personal-verified-customer/handle-verification-statuses/index.html) (34 words) - [Are Dwolla ACH export file times in CDT or CST?](/content/support/s/article/are-dwolla-ach-export-file-times-in-cdt-or-cst/index.html) (110 words) - [Dwolla: A Single Solution for Finance Teams (3)](/content/updates/page/3/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (3) (231 words) - [Does Dwolla offer real-time balance check functionality?](/content/support/s/article/does-dwolla-offer-real-time-balance-check-functionality.html) (159 words) - [Why is a transaction stuck in a pending status?](/content/support/s/article/why-is-a-transaction-stuck-in-a-pending-status/index.html) (192 words) - [What does it mean when Dwolla requires "proof of address"?](/content/support/s/article/what-does-compliance-mean-when-they-say-they-need-proof-of-address.html) (121 words) - [Plaid: Instant Account Verification - Dwolla Developer Portal](/content/developers/docs/open-banking/plaid/index.html): Step-by-step guide to integrating Dwolla's Open Banking solution with Plaid. Learn how to enable instant account verification, streamline account-to-account (A2A) payments, and enhance security for enterprise payment workflows. (1,842 words) - [What transaction activity can be performed in a `deactivated` or `suspended` status?](/content/support/s/article/what-transaction-activity-can-be-performed-in-a-deactivated-or-suspended-status.html) (70 words) - [What is an Addenda Record?](/content/support/s/article/what-is-an-addenda-record/index.html) (141 words) - [ACH Return Code Glossary | Dwolla](/content/resources/ach-return-codes/index.html): With nearly 70 ACH return codes, this is a resource explaining the variety of reasons an ACH transaction could be returned. (1,885 words) - [Initiate a transfer - Dwolla Developer Portal](/content/developers/docs/api-reference/transfers/initiate-a-transfer/index.html): Initiate a transfer between funding sources from a Dwolla Account or API Customer resource. Supports ACH, Instant Payments (RTP/FedNow), Push-to-Debit Card, and wire transfers with optional expedited clearing, facilitator fees, metadata, and correlation IDs for enhanced traceability. Includes idempotency key support to prevent duplicate transfers and extensive customization options for addenda records and processing channels. Returns the location of the created transfer resource for tracking and management. (780 words) - [MX: Instant Account Verification - Dwolla Developer Portal](/content/developers/docs/open-banking/mx/index.html): Step-by-step guide to integrating Dwolla's Open Banking solution with MX. Learn how to enable instant account verification, streamline account-to-account (A2A) payments, and enhance security for enterprise payment workflows. (1,900 words) - [What are Instant Payments?](/content/support/s/article/what-are-real-time-payments/index.html) (237 words) - [What shows up on a bank item line for a business that facilitates transactions?](/content/support/s/article/what-shows-up-on-a-bank-item-line-for-a-business-that-facilitates-transactions.html) (144 words) - [Is the money in the Sandbox real money?](/content/support/s/article/is-the-money-in-the-sandbox-real-money/index.html) (100 words) - [Can I use Instant Account Verification (IAV) in addition to micro-deposits?](/content/support/s/article/can-i-use-instant-account-verification-iav-in-addition-to-micro-deposits.html) (194 words) - [What is a Real-Time Balance Check?](/content/support/s/article/what-is-a-real-time-balance-check/index.html) (250 words) - [Dwolla + Plaid - Dwolla Developer Portal](/content/developers/docs/secure-exchange/plaid/index.html): Learn how to integrate Dwolla and Plaid using Dwolla's Secure Token Exchange solution to securely verify and link your users' bank accounts for ACH payments, without handling sensitive account data directly. (1,785 words) - [What are Labels?](/content/support/s/article/what-are-labels/index.html) (70 words) - [What is an Unverified Customer?](/content/support/s/article/what-is-an-unverified-customer/index.html) (101 words) - [Can clients see micro-deposits initiated for our end users?](/content/support/s/article/can-clients-see-micro-deposits-initiated-for-our-end-users.html) (65 words) - [Why might my end user’s ID fail review?](/content/support/s/article/why-might-my-end-user-s-id-fail-review/index.html) (176 words) - [Can I test expedited payment timing in the sandbox?](/content/support/s/article/can-i-test-expedited-payment-timing-in-the-sandbox/index.html) (134 words) - [What is Form 1099-K?](/content/support/s/article/form-1099-k/index.html) (156 words) - [What does a user see on their bank transaction line?](/content/support/s/article/what-does-a-user-see-on-their-bank-transaction-line.html) (111 words) - [Bank Transfer Times | ACH and Other Bank Transfer Timing | Dwolla](/content/resources/understanding-payment-transfer-timelines/index.html): Knowing when an ACH and other bank transfer types are initiated allows you to reliably predict transfer times. Use this resource to learn more about the differences in transfer timing. (1,252 words) - [What types of funds flows work with Instant Payments?](/content/support/s/article/what-types-of-funds-flows-work-with-instant-payments.html) (104 words) - [What is Next Day ACH?](/content/support/s/article/what-is-next-day-ach/index.html) (165 words) - [What is Same Day ACH?](/content/support/s/article/what-is-same-day-ach-transfer/index.html) (122 words) - [Customer Types - Dwolla Developer Portal](/content/developers/docs/customer-types/index.html): Understanding and selecting the appropriate Customer type is the first step to a successful payment integration. (975 words) - [Dwolla | Sign Up](/content/accounts-sandbox/sign-up/index.html): Test ACH Transfers using the Dwolla API Sandbox (538 words) - [Unlock Your Potential With ACH and Instant Payments | Payments Innovation](/content/resources/payments-innovation/index.html): Unlock your competitive edge with instant payments, enhancing cash flow, customer satisfaction, and operational efficiency through innovative payment solutions and APIs. (2,739 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/connect/api-reference/open-banking/index.html): Dwolla Exchange Sessions API connects your app, open banking providers and user banks. Streamline onboarding with instant account verification and leverage Dwolla's pre-integrated solutions. (383 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/balance/api-reference/open-banking/index.html): Dwolla Exchange Sessions API connects your app, open banking providers and user banks. Streamline onboarding with instant account verification and leverage Dwolla's pre-integrated solutions. (240 words) - [List customer funding sources - Dwolla Developer Portal](/content/developers/docs/api-reference/funding-sources/list-customer-funding-sources/index.html): Returns all funding sources for a customer, including bank accounts, debit card funding sources, and Dwolla balance (verified customers only). Shows verification status, limited account details, and creation dates. Card funding sources include masked card information. Supports filtering to exclude removed funding sources using the removed parameter. (257 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/open-banking/index.html): Simplify Open Banking Integration with Dwolla's API. Leverage a single API to connect to various Open Banking providers and streamline account linking, verification, and data retrieval for your application. (933 words) - [404 - Page not found](/content/cs/c/index.html) (16 words) - [Create a customer - Dwolla Developer Portal](/content/developers/docs/api-reference/customers/create-a-customer/index.html): Creates a new customer with different verification levels and capabilities. Supports personal verified customers (individuals), business verified customers (businesses), unverified customers, and receive-only users. Customer type determines transaction limits, verification requirements, and available features. (452 words) - [Page Not Found](/content/developers/api-reference/connect/exchanges/index.html) (38 words) - [Bank Balance Check - Dwolla Developer Portal](/content/developers/docs/open-banking/bank-balance-check/index.html): Learn how to use Dwolla's Open Banking Bank Balance Check to verify account balances in real time, reduce payment failures, and improve the success rate of your ACH transactions. (692 words) - [Innovative A2A Payment Solutions | Money 20/20 | Dwolla](/content/p/money-2020/index.html): Join Dwolla at Money 20/20 in Las Vegas to explore A2A payment solutions for Fintech. Streamline operations, enhance security, and unlock monetization opportunities. (96 words) - [Search Results | 1099-K](/content/support/s/global-search/1099-k/index.html) (189 words) - [Webinar: Minimizing Risk in Digital Payments I Video | ACH Fraud](/content/p/ach-fraud-webinar/index.html): Learn how to mitigate digital payment risks with this on-demand webinar from Dwolla and Nacha, experts in ACH fraud prevention. Discover the value of modern payments APIs for enhanced security, compliance, streamlined operations & more. (273 words) - [SDKS & Tools - Dwolla Developer Portal](/content/developers/docs/sdks-tools/index.html): Choose from a collection of client libraries and tools to get up and running quickly in a variety of languages. (276 words) - [Why am I receiving a 403 Forbidden error when trying to create a Customer?](/content/support/s/article/why-am-i-receiving-a-403-forbidden-error-when-trying-to-create-a-customer.html) (106 words) - [2026 Payments Guide: Transforming Insurance Payment Processing | Dwolla](/content/resources/understanding-a2a-payments-and-their-role-in-insurance-payment-processing.html): Discover how A2A payments transform insurance payment processing by enhancing efficiency, reducing costs, and improving customer satisfaction through modern digital solutions. (4,922 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/secure-exchange/index.html): The Secure Exchange solution connects clients with integrated ecosystem partners to seamlessly share data and initiate account-to-account payments. (423 words) - [Digital Transformation in Payments White Paper | Dwolla](/content/p/white-paper-digital-transformation-in-payments/index.html): As global economic concerns continue to dominate headlines, businesses are increasingly recognizing the importance of leveraging technology to enhance manageability through digital transformation. (197 words) - [Instant Payments - Dwolla Developer Portal](/content/developers/docs/instant-payments/index.html): Learn about Instant Payments (defined as both FedNow Service and RTP), and how to identify and send transfers to instant payment-enabled funding sources. (2,931 words) - [How much do Dwolla’s Open Banking Services cost?](/content/support/s/article/how-much-do-dwolla-s-open-banking-services-cost/index.html) (135 words) - [Push to Card Instant Payouts | Enhance Cash Flow | Dwolla](/content/p/push-to-card/index.html): Unlock instant payouts directly to debit cards with Dwolla. Enjoy lower costs, happier recipients, and a scalable payments strategy for your business. Get early access today. (180 words) - [Why is my customer’s account suspended?](/content/support/s/article/why-is-my-customer-s-account-suspended/index.html) (127 words) - [API Support](/content/support/s/topic/0tohs000002qz8joag/api-support/index.html) (118 words) - [Account & Billing](/content/support/s/topic/0tohs000002qz8eoag/account-billing/index.html) (119 words) - [Security/Fraud](/content/support/s/topic/0tohs000002qz93oag/securityfraud/index.html) (124 words) - [Handling Errors - Dwolla Developer Portal](/content/developers/docs/api-reference/api-fundamentals/errors/index.html): Dwolla API Errors: Master Error Handling. Grasp standard HTTP status codes, Dwolla error codes, and embedded errors. (502 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/customers/index.html): Create, search and update Customers, and search for business-classification. (956 words) - [TypeScript - Dwolla Developer Portal](/content/developers/docs/sdks-tools/typescript/index.html): Use Dwolla's SDK for TypeScript to build applications that interact with the Dwolla API to perform account-to-account payment functions. (858 words) - [A Payments Podcast Discussing Account to Account Payments | Dwolla](/content/resources/dwolla-the-payment-platform-that-powers-innovation/index.html): Join Dwolla's CEO Dave Glaser and Satwant Phull on The Payments Show podcast as they discuss how companies can optimize their operations by leveraging traditional banking systems like ACH, as well as new real-time payment networks. (194 words) - [Working with Webhooks - Dwolla Developer Portal](/content/developers/docs/working-with-webhooks/index.html): Implement simple, real-time, event notifications regarding account and transaction status, and more. (2,602 words) - [Page Not Found](/content/developers/guides/personal-verified-customer/index.html) (26 words) - [Choosing a Payment Processing Solution for Your Business | Dwolla](/content/resources/7-key-factors-to-consider-when-choosing-a-payment-processing-solution.html): Ready to take the plunge and switch your payment processing solution? Learn about the factors you need to consider. (1,691 words) - [Page Not Found](/content/developers/api-reference/customers/index.html) (35 words) - [Debugging with X-Request-ID - Dwolla Developer Portal](/content/developers/docs/api-reference/api-fundamentals/debugging/index.html): Troubleshoot API Request Issues. Discover efficient methods to identify and resolve request errors. (155 words) - [Create a client token - Dwolla Developer Portal](/content/developers/docs/api-reference/client-tokens/create-a-client-token/index.html): Create a client token for secure authentication within Dwolla Drop-in components. Requires a granular permission action and a Customer link to define what operations the end user can perform within the component. Returns a short-lived token for configuring client-side Drop-in components including customer creation, verification, funding source management, and payment processing. Essential for implementing secure, embeddable UI components without exposing application credentials to the frontend. (273 words) - [Delete a webhook subscription - Dwolla Developer Portal](/content/developers/docs/api-reference/webhook-subscriptions/delete-a-webhook-subscription/index.html): Delete a webhook subscription to permanently remove webhook notifications for your application. This action stops all future webhook deliveries and cannot be undone. Returns the deleted subscription resource for confirmation. Use this endpoint when webhook notifications are no longer needed or when cleaning up unused subscriptions. (175 words) - [Create a webhook subscription - Dwolla Developer Portal](/content/developers/docs/api-reference/webhook-subscriptions/create-a-webhook-subscription/index.html): Create a webhook subscription to deliver webhook notifications to a specified URL endpoint for your application. Requires a destination URL where Dwolla will send notifications and a secret key for webhook validation and security. Returns the location of the created subscription resource. Essential for establishing real-time event notifications and automated integrations with Dwolla's payment processing events. (276 words) - [Webhook Events - Dwolla Developer Portal](/content/developers/docs/webhook-events/index.html): Real-time event notifications. Determine why a webhook subscription is vital to the experience of your application. (2,620 words) - [Update a webhook subscription - Dwolla Developer Portal](/content/developers/docs/api-reference/webhook-subscriptions/update-a-webhook-subscription/index.html): Update a webhook subscription to pause or resume webhook delivery notifications. Allows toggling the paused status to temporarily stop webhook notifications without deleting the subscription. Returns the updated subscription resource with the new paused status. Use this endpoint to manage webhook delivery during maintenance or troubleshooting periods. (271 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/webhook-subscriptions/index.html): Webhook subscriptions help you follow the events in your application triggered with every POST request. Create, list, update, or remove them from your application using the Dwolla API. (491 words) - [Transfer Failures - Dwolla Developer Portal](/content/developers/docs/transfer-failures/index.html): Familiarize yourself with the unhappy path of transfers and build resilient practices to mitigate ACH returns. Learn about returns, why they happen and recommended actions your application can take based on the return code. (1,905 words) - [root - Dwolla Developer Portal](/content/developers/docs/api-reference/root/index.html): Retrieve the API root entry point to discover available resources and endpoints based on your OAuth access token permissions. Returns HAL+JSON with navigation links to accessible resources including accounts, customers, events, and webhook subscriptions depending on token scope. Essential for API exploration, dynamic resource discovery, and building adaptive client applications that respond to available permissions. (146 words) - [Same-Day ACH - Dwolla Developer Portal](/content/developers/docs/same-day-ach/index.html): An overview of Same Day ACH and leveraging next-available processing times for faster transfers. (940 words) - [Overview - Dwolla Developer Portal](/content/developers/docs/api-reference/webhooks/index.html): List, retrieve, or retry webhooks in your application using the Dwolla API. (174 words) - [Transfer Lifecycle - Dwolla Developer Portal](/content/developers/docs/transfer-lifecycle/index.html): Learn about the complete lifecycle of a transfer in Dwolla and find out what webhooks you can expect to receive during each step. (1,244 words) - [Podcast Discussing the Future of Payment APIs | PayPod Podcast](/content/resources/paypod-imagine-a-world-with-frictionless-payments/index.html): Dwolla’s CTO discusses the benefits of payment APIs, what it means to be bank agnostic and gives his predictions on the future of frictionless payments. (254 words) - [AI in Banking | Key Insights](/content/resources/ai-in-banking/index.html): Discover the importance of aligning AI to banking use cases, data management, and governance in this webinar. Explore the challenges and opportunities of implementing AI in the banking sector. (505 words) - [Webinar: Is a Risk-Based Approach the Best Option for Payments? | AI in AML Practices ](/content/resources/risk-based-approach/index.html): Watch this webinar, in association with Napier and Finextra, to discover how AI can be responsibly implemented by payments firms to help combat financial crime. (345 words) - [A Fintech CTO's Playbook for Driving Sustainable Innovation with Dwolla CTO Skyler Nesheim](/content/resources/fintech-cto-playbook-for-driving-sustainable-innovation.html): Discover how Dwolla's CTO, Skyler Nesheim, drives sustainable innovation in Fintech. Learn about building high-performing teams, decision-making strategies, and the future of financial technology. (172 words) - [Breaking Banks: Integrating Innovation for Cost-Efficient Payments | Dwolla](/content/resources/breaking-banks/index.html): Explore the challenges and solutions in the world of payments integration with Dwolla's CEO and CTO. Learn about their innovative interfaces and partnerships driving digital transformation in finance. (199 words) - [Prioritising Payments Modernisation | Key Insights](/content/resources/payments-modernisation/index.html): Discover how financial institutions prioritize payments modernization with cloud technology. Learn about budget allocation, customer pain points, and security in this insightful webinar. (301 words) - [Webinar: The Future of Payments is Instant: Insights from the Experts](/content/resources/webinar-future-of-instant-payments/index.html): Discover insights on instant payments from industry experts in our on-demand webinar. Learn how businesses can leverage real-time payments for growth and improved customer experiences. (322 words) - [Virtual Account Numbers - Dwolla Developer Portal](/content/developers/docs/virtual-account-numbers/index.html): A Virtual Account Number (VAN) provides a dedicated routing path for external transactions to flow into and out of a Dwolla balance. Each VAN generates unique account and routing numbers that enable you to credit or debit a Dwolla balance through ACH transfers. (1,199 words) - [Simplifying Payments Processes | The Future of Payments and Dwolla](/content/resources/simplification-to-the-payment-process/index.html): Discover the future of payments with Dwolla's CEO, Dave Glaser, at Money20/20 USA 2024. Learn about biometric transactions, real-time payments, challenges in modernizing payments, and Dwolla's approach to enhancing security and reducing costs. (236 words) - [Drop-in Components - Dwolla Developer Portal](/content/developers/docs/drop-in-components/index.html): Dwolla's Drop-in components are low-code solutions to alleviate the technical overhead of a payments integration to rapidly implement key functionality into an application. (1,023 words) - [Evolution of Payments | Dwolla's Role in Business Transactions | Dwolla](/content/resources/dwolla-ceo-dave-glaser-pay-by-bank-running-an-ironman-and-where-us-payments-go-from-here.html): Dwolla's CEO, Dave Glaser, discusses the evolution of payments, focusing on account-to-account transactions, innovation, and his personal journey training for an Ironman., We're lucky to be joined today by Dave Glaser, CEO of American payments giant Dwolla, one of the first fintechs. Dwolla is a fintech company that provides businesses with a connection to the ACH Network or RTP Network (The Clearing House’s privately-owned real-time payments network). The company was founded in 2008 and launched in the United States in December 2010 to a few small banks and retailers. By June 2011, Dwolla had grown to 15 employees, 20,000 users, and $1 million in weekly processing volume. Today, Dwolla has about 650 clients and about 30 million users. It processed $45 billion in payments in 2022, up from $30 billion in 2021 and $20 billion in 2019. About 80% of its clients are small businesses. Dwolla provides a white label service consisting of APIs to use the ACH system[9] and white label services expanded from payouts to include instant bank authorization for debiting bank accounts. Dave Glaser has a long history in fintech: Starting at the turn of the century, he led payment protection and anti-fraud company CyberSource through its 2014 acquisition by Visa, before going on to join Worldpay in the UK as its Chief Product and Marketing Officer for Global eCommerce. Coming back to the US, Dave was brought on by Mastercard as a Senior Vice President for Acceptance Solutions, before being offered the President and COO role at Dwolla and stepping up as CEO in 2023. 💡This is a Sponsored Episode. (126 words) - [Modernizing Online Transactions | Insights from Dwolla's CEO | Dwolla](/content/modernizing-online-transactions-insights-from-dwollas-ceo.html): Dwolla's CEO discusses modernizing account-to-account transactions, emphasizing seamless payments and leadership based on trust, while highlighting the company's innovative solutions for businesses. (125 words) - [Verify Bank with Micro-deposits - Dwolla Developer Portal](/content/developers/docs/micro-deposit-verification/index.html): Learn how to verify a user's bank account ownership by initiating micro-deposits - small deposits that are sent to the account and must be verified by the user to confirm account ownership. (826 words) - [Retail Instant Payments, Dispute Resolution & Pay By Bank | Dwolla & U.S. Faster Payments Council](/content/resources/off-the-rails-from-the-u-s-faster-payments-council-with-dwolla.html): Explore insights on retail payments and instant transactions with Dwolla's CEO, Dave Glaser, and CTO, Skyler Nesheim, in this engaging episode of Off the Rails hosted by the Faster Payments Council, FPC Executive Director Reed Luhtanen. (85 words) - [Dwolla Revolutionizing Enterprise Payments | Interview with Dave Glaser](/content/resources/fintech-impact-dwolla-revisted/index.html): Discover how Dwolla is revolutionizing B2B payments with streamlined account-to-account processing. Learn about their strategic shift and the impact of the global money movement in this Fintech Impact episode., (97 words) - [Streamline Payments and Optimize Operations | Video | Dwolla Connect](/content/resources/dwolla-connect-single-solution/index.html): Streamline payment operations, reduce costs, and gain real-time visibility into cash flow with Dwolla Connect. Say goodbye to juggling multiple platforms and manual processes. Empower your finance team today! (72 words) - [Transfer Processing Times - Dwolla Developer Portal](/content/developers/docs/transfer-processing-times/index.html): Learn more about transfer clearing times, including standard ,expedited and instant clearing. (1,652 words) - [Visa: Instant Account Verification - Dwolla Developer Portal](/content/developers/docs/balance/open-banking/visa/index.html): Step-by-step guide for developers to integrate Dwolla's Open Banking Instant Account Verification solution powered by Visa. Learn how to securely verify bank accounts and enable streamlined account-to-account (A2A) payments in your application. (1,539 words) - [What is the ACH Return Rates Report?](/content/support/s/article/what-is-the-ach-return-rates-report/index.html) (536 words) - [Dwolla 1099-K Form FAQ](/content/form-1099-k/index.html): A business will file form 1099-K to report payments received through reportable card and/or settlement of third-party payment network transactions. (2,028 words) - [2024 Guide: What are Account to Account Payments | Dwolla](/content/resources/comparing-real-time-payments-to-ach/index.html): Discover the future of digital payments with A2A, ACH, RTP, and Wire Transfers. Learn about faster account-to-account payments and how to automate transactions with a modern API. (1,385 words) - [Facilitator Fee - Dwolla Developer Portal](/content/developers/docs/facilitator-fee/index.html): Charge users a flat rate amount to be removed from a payment as a fee. The fee is sent to the creator of the application. (738 words) - [Retrieve a webhook subscription - Dwolla Developer Portal](/content/developers/docs/api-reference/webhook-subscriptions/retrieve-a-webhook-subscription/index.html): Retrieve detailed information for a specific webhook subscription by its unique identifier. Returns subscription configuration including URL endpoint, creation date, and links to associated webhooks for comprehensive subscription management. Essential for monitoring webhook subscription status and accessing webhook delivery history. (184 words) - [Page Not Found](/content/developers/guides/auth/index.html) (35 words) - [List webhook subscriptions - Dwolla Developer Portal](/content/developers/docs/api-reference/webhook-subscriptions/list-webhook-subscriptions/index.html): Retrieve all webhook subscriptions that belong to an application including their configuration details and status. Returns subscription details including webhook endpoints, status, creation dates, and links to associated webhooks with total count. Essential for webhook management and monitoring subscription health. (214 words) - [What is an ACH reversal, and when can it be attempted?](/content/support/s/article/what-is-an-ach-reversal-and-when-can-it-be-attempted.html) (229 words) - [Page Not Found](/content/developers/guides/micro-deposit-verification/index.html) (37 words) - [Page Not Found](/content/developers/guides/plaid/index.html) (35 words) - [Dwolla: A Single Solution for Finance Teams (2)](/content/updates/page/2/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (2) (261 words) - [Page Not Found](/content/developers/api-reference/exchanges/index.html) (39 words) - [Page Not Found](/content/developers/concepts/facilitator-fee/index.html) (26 words) - [General Knowledge Base](/content/support/s/topic/0tohs000002qz8ooag/general-knowledge-base/index.html) (96 words) - [Product Features](/content/support/s/topic/0tohs000002qz8yoag/product-features/index.html) (140 words) - [Dwolla Dashboard News (2)](/content/dashboard-news/page/2/index.html): This blog is focused on all things regarding Dwolla's Dashboard. (2) (145 words) - [Guides and Concepts - Dwolla Developer Portal](/content/developers/docs/index.html): Start with foundational concepts, move into quickstarts and use cases, and keep API reference and SDKs close at hand when you need them. (254 words) - [Scaling B2B Payments: How Routable Built on Dwolla's Payment Infrastructure ](/content/resource/scaling-b2b-payments-with-routable-and-dwolla/index.html): Discover how Routable leverages Dwolla's payment infrastructure to enhance B2B payments, streamline mass payouts, and reduce costs through bank-to-bank solutions. (255 words) - [Home](/content/support/s/index.html) (66 words) - [Developer Terms of Service | Dwolla](/content/legal/developer-tos/index.html): Learn about the Dwolla Developer Terms of Service and how they apply to your use of the Dwolla APIs. Understand the requirements and guidelines for integrating and using the APIs effectively. (4,694 words) - [Platform Agreement | Dwolla](/content/legal/platform-agreement/index.html): Learn about the Dwolla Platform Agreement, which governs your use of the Dwolla Platform Services. Read the terms and conditions, understand the account requirements, and ensure compliance with applicable laws. Discover how Dwolla protects your account and handles transaction reversals. (1,948 words) - [Real Estate Platform Success with ACH Payments | Fraud-Free Transactions | Dwolla](/content/spotlight/real-estate-fights-fraud/index.html): Real estate platform achieves zero fraud with ACH payments, revolutionizing real estate payment processing. Discover how ACH transactions enhance security and efficiency in real estate transactions. (1,338 words) - [Open Banking Services End User Terms | Access Third Party Account Information | Dwolla](/content/legal/open-banking-end-user-terms/index.html): Explore Open Banking Services End User Terms and Conditions. Access digital money management tools with accurate information and authorized data use for personalized services. (3,324 words) - [Operational Notifications - Dwolla Developer Portal](/content/developers/docs/operational-notifications/index.html): Understand what Dwolla events are tied to notifications that are sent to your end users. Preview the customizable email templates here. (1,604 words) - [Enhancing Insurance Payments and Policyholder Experience with Dwolla | FAQ](/content/updates/insurance-industry-faq/index.html): This Insurance Industry FAQ details common payment challenges faced in the insurance industry and how Dwolla empowers companies within this industry to modernize operations, boost predictability, and enhance security. (2,343 words) - [Enterprise Payment Infrastructure | Dwolla](/content/solutions/enterprise/index.html): Reduce payment engineering overhead with a single API for ACH and real-time rails. Built for enterprises running high-volume bank payment operations at scale. (824 words) - [Transfer Terms of Service | Dwolla](/content/legal/transfer-tos/index.html): Learn about the Dwolla Transfer Terms of Service and how it applies to your use of Dwolla's Transfer Services. Find out about fees, limits, and user conduct guidelines. (2,846 words) - [List webhooks for a webhook subscription - Dwolla Developer Portal](/content/developers/docs/api-reference/webhook-subscriptions/list-webhooks-for-a-webhook-subscription/index.html): Retrieve all fired webhooks for a specific webhook subscription with comprehensive filtering and pagination support. Returns webhook delivery history including topics, attempts, request/response details, and delivery status over a rolling 30-day period. Supports filtering by resource ID, date ranges, and pagination parameters for detailed webhook delivery analysis. Critical for debugging webhook delivery issues and monitoring event notification success rates. (337 words) - [ACH Returns & Reversals | What Happens When an ACH Payment is Returned](/content/updates/understanding-ach-return-process/index.html): ACH transactions can be returned for nearly 70 reasons such as insufficient funds or incorrect banking information. Read the blog to understand ACH returns and reversals. (1,662 words) - [Visa Direct Bank Service Terms | Dwolla](/content/legal/visa-direct-tos/index.html): Learn about the Visa Direct Bank Service Terms and how it enables clients to make real-time payments using the D2D Service. Understand the responsibilities, limits, and compliance requirements involved in utilizing this service. (3,261 words) - [Type-Safe Payments | Dwolla's New TypeScript SDK](/content/updates/dwolla-new-typescript-sdk/index.html): Discover how the new Dwolla TypeScript SDK enhances payment API integration with full type safety, automatic token management, and precise error handling for Node.js and TypeScript developers. (1,382 words) - [How Instant Payments Improve Enterprise Operations | Dwolla](/content/updates/how-instant-payments-transform-enterprise-operations.html): Discover how instant payments go beyond speed to modernize enterprise operations, offering benefits like real-time liquidity management, automated reconciliation, and enhanced supplier relationships. (1,171 words) - [Empowering Modern Payment Solutions: Dwolla for Real Estate](/content/updates/dwolla-for-real-estate-payments/index.html): Discover how Dwolla’s digital payment solutions modernize real estate transactions, enhancing speed, security, and vendor relationships while reducing costs and fraud risks. (1,313 words) - [What is Automated ACH? ‪| Dwolla](/content/updates/what-is-ach-automation/index.html): Simplify your business payments with automated ACH. Learn about instant ACH transfers, real-time processing, and secure solutions for faster, more efficient operations. (3,563 words) - [Payment Infrastructure Resources and Guides | Dwolla](/content/resources/index.html): Guides, case studies, and resources on ACH automation, real-time payments, and bank payment infrastructure for platforms and enterprises. (1,090 words) - [ACH API for Full Payment Automation | Dwolla](/content/updates/dwolla-ach-api/index.html): Stop manually processing ACH payments. Dwolla’s powerful ACH API provides smooth payment automation to help you reduce errors, save time, and scale your business. Explore our developer-friendly tools and start your ACH automation journey today. (1,563 words) - [Push to Card | Enabling Instant Payments to Debit Cards for Businesses](/content/updates/push-to-card/index.html): Discover how push to card enables businesses to send instant payments directly to debit cards, improving cash flow and enhancing customer satisfaction. (1,337 words) - [How This AP Platform Cut Transaction Costs 30% with ACH | Dwolla](/content/updates/streamlining-b2b-payments-with-ach/index.html): Simplify your B2B payments with ACH transactions using Dwolla's API. Discover how an modern software company saved time and reduced costs for finance departments using Dwolla. (825 words) - [Pay by Bank for BNPL Platforms | Dwolla](/content/use-case/buy-now-pay-later-bnpl/index.html): Enable pay-by-bank for buy now, pay later platforms with ACH and open banking. Reduce card processing costs and failed payment rates with Dwolla. (796 words) - [Explore Open Banking: The Future of Payments | Dwolla](/content/updates/the-future-of-payments-with-open-banking/index.html): Learn about the impact of open banking on payments, and discover how businesses and consumers can stay ahead of the curve through open finance. Dive into its potential with this article from Dwolla. (1,608 words) - [Future Trends and Innovations in A2A Insurance Payment Processing | Dwolla](/content/updates/future-trends-insurance/index.html): Discover how A2A payments simplify insurance payment processing, saving time and money while boosting satisfaction for insurers and policyholders. (878 words) - [Unified Payment API for ACH and Real-Time Rails | Dwolla](/content/features/unified-api/index.html): One API for ACH, Same Day ACH, and real-time payments. Reduce integration complexity and ship payment features faster with Dwolla. (748 words) - [The Future of Finance: Predictions and Trends for 2026 | Dwolla](/content/updates/the-future-of-finance-2025/index.html): Discover the future of finance in 2026 with insights on AI, instant payments, open banking, and more, driving digitization and innovation in the payments landscape. (1,168 words) - [AI-Powered Business Verification for Faster Onboarding | Dwolla](/content/updates/streamlining-business-verification-with-ai-powered-solutions.html): Simplify business verification with AI-powered recommendations, reducing delays and support cases. Discover how Dwolla’s AI enhances onboarding efficiency and provides a competitive edge. (901 words) - [Automated Payouts API | ACH and Instant | Dwolla](/content/use-case/pay-outs/index.html): Automate payouts with ACH and real-time rails through one API. Reduce manual disbursement work and give recipients faster access to funds with Dwolla. (1,039 words) - [10 Myths About Digitizing Payment Operations | Dwolla](/content/updates/digital-transformation-myths/index.html): In this blog we dive into the myths about digitization and how you can lean into the digitization movement. (2,744 words) - [Same Day ACH and Standard ACH API | Dwolla](/content/features/standard-ach/index.html): Access Standard ACH and Same Day ACH through one API integration. Predictable settlement, automated returns handling, and full payment visibility. (641 words) - [Building a Smarter MCP Server | Dwolla Integration Assistant](/content/updates/building-a-better-mcp-server-dwolla-integration-assistant.html): Discover how we evolved our Dwolla MCP server to better meet developers' needs by solving complete workflows instead of just providing API access. Learn what's next and give us your input. (1,369 words) - [Clearer View of Customers and Funding Sources | Dwolla Dashboard](/content/dashboard-news/a-clearer-view-of-your-customers-and-account-funding-sources.html): We’re excited to announce a significant enhancement to the Customers List page in your Dwolla Dashboard! (398 words) - [Digital Transformation in Payments | Video | Dwolla ](/content/resources/digital-transformation-in-payments/index.html): In this video, learn how you can improve cash flow, security, and customer experience with digital transformation in payments. Embrace cloud-based solutions for speed, flexibility, and real-time insights. (139 words) - [Fully Simulated Testing Environment | Dwolla](/content/features/sandbox/index.html): Immerse yourself in a fully simulated testing environment with Dwolla's Sandbox. Safely experiment and refine your payment integrations without real-world risks. Validate functionality and confidently take your solution to production. (494 words) - [Previous Platform Agreement | Dwolla](/content/legal/platform-agreement-previous/index.html): Learn about the Dwolla Platform Agreement and how it applies to your use of the Dwolla Platform Services. Discover the fees, eligibility requirements, and compliance responsibilities. Read more here. (3,554 words) - [Privacy Policy | Dwolla](/content/legal/privacy/index.html): Protect your privacy and trust with Dwolla. Learn about our privacy practices and how we collect and use your personal information for our products, services, and employment opportunities. View our Privacy Policy for more details. (3,440 words) - [Dwolla's API and Open Banking Integration | Dwolla](/content/updates/dwollas-api-embraces-open-banking/index.html): Dwolla's API facilitates open banking, offering secure, modern, and collaborative payment solutions. Explore the evolution and advantages in this insightful post. (1,528 words) - [Factors to Consider When Choosing an Open Banking Partner | Dwolla](/content/updates/choosing-an-open-banking-partner/index.html): Discover key factors to consider when choosing an open banking partner to enhance your payment solutions and optimize business operations. Learn from industry experts and boost your financial services. 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(1,075 words) - [The Future of B2B Transactions: Real-Time Payments and Pay by Bank](/content/updates/future-of-b2b-transactions/index.html): Modernize your B2B transactions with instant ACH transfers and ACH automation. Explore how pay by bank and instant transfers deliver faster, more secure, and cost-effective digital solutions. (1,257 words) - [BasicBlock Accelerates Truck Driver Payments | Dwolla](/content/spotlight/basicblock-accelerates-truck-driver-payments-with-instant-transfers.html): How BasicBlock uses Dwolla instant payments to get truck drivers paid faster. Real-time ACH disbursements for the logistics industry. (1,116 words) - [Benefits of Instant Payments in Lending](/content/updates/benefits-of-instant-payments-in-lending-verticals/index.html): Discover how instant payments can modernize alternative lending, BNPL services, and LMS platforms by enhancing speed, efficiency, and borrower satisfaction across various lending verticals. (543 words) - [Dwolla Welcomes New CFO and Two New Board Members](/content/updates/dwolla-appoints-new-cfo-and-two-new-board-members/index.html): Payment services provider, Dwolla, today announced its recently expanded team with the addition of three top-notch leaders. Lawrence Herman, as CFO, Alka Gupta and Millicent Tracey as new board members, bring a wealth of industry experience to the table. (590 words) - [Open Banking And Instant Payments: The Next Evolution Of Financial Infrastructure](/content/updates/open-banking-and-instant-payments-the-next-evolution-of-financial-infrastructure.html): Explore how the convergence of open banking and instant payments is modernizing financial infrastructure, closing the gap between consumer expectations and enterprise capabilities. (1,019 words) - [The Benefits of Using A2A Payments for Insurance | Dwolla](/content/updates/benefits-of-a2a-for-insurance/index.html): Discover the benefits of A2A payments for insurance, from cost efficiency to enhanced security. Simplify payment processing and improve customer experience. Explore more in our latest guide. (376 words) - [How Tokenization Strengthens Open Banking Security | Dwolla](/content/updates/how-we-built-the-secure-exchange-solution/index.html): Our lead software engineer explains building the Secure Exchange Solution for tokenized bank verification, and it’s positioned for future innovation. (1,344 words) - [Integrating A2A Payments into Your Insurance Payment Operations | Dwolla](/content/updates/integrating-a2a-for-insurance/index.html): Learn how integrating A2A payments can modernize insurance payment operations, simplify workflows, and enhance policyholder experiences. Unlock the power of Dwolla's secure and efficient API solutions. 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(357 words) - [Why Dwolla: Modernize Your Payment Operations | Dwolla](/content/updates/why-dwolla/index.html): Simplify your finances with secure ACH automation & instant transfers. Enjoy real-time payment processing for faster, more efficient transactions. (605 words) - [Why did I receive a 1099-K? | Everything to Know About 1099-K Updates](/content/updates/lets-talk-1099ks/index.html): Form 1099-K is a federal tax form used to report certain payment transactions on third-party platforms. Significant changes to filing requirements are coming for tax year 2025. (748 words) - [Payment Tokenization for Secure ACH | Dwolla](/content/features/tokenization/index.html): Protect sensitive bank account data with tokenization. Reduce PCI scope and fraud risk for every ACH and real-time payment through Dwolla. 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(453 words) - [Dwolla: A Single Solution for Finance Teams](/content/updates/index.html): Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (225 words) - [Dwolla Dashboard News](/content/dashboard-news/index.html): This blog is focused on all things regarding Dwolla's Dashboard. (197 words) - [Challenges in Real Estate Payments](/content/updates/challenges-real-estate-payments/index.html): Modernize real estate payments by adopting digital solutions to simplify processes, enhance security and improve real-time visibility, ensuring efficiency and competitiveness in a rapidly evolving market. (539 words) - [Schedule a Meeting | Dwolla](/content/contact-us-form-schedule-a-meeting/index.html): Book time with the Dwolla team to discuss ACH automation, real-time payments, and bank payment infrastructure for your business. 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(254 words) - [Dwolla: A Single Solution for Finance Teams | Company News](/content/updates/tag/company-news/index.html): Company News | Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (225 words) - [Dwolla: A Single Solution for Finance Teams | Product News](/content/updates/tag/product-news/index.html): Product News | Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (221 words) - [Dwolla: A Single Solution for Finance Teams | Security](/content/updates/tag/security/index.html): Security | Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (197 words) - [Dwolla: A Single Solution for Finance Teams | Pay by Bank](/content/updates/tag/pay-by-bank/index.html): Pay by Bank | Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (217 words) - [Dwolla Dashboard News | Product News](/content/dashboard-news/tag/product-news/index.html): Product News | This blog is focused on all things regarding Dwolla's Dashboard. (218 words) - [Dwolla: A Single Solution for Finance Teams | Developers](/content/updates/tag/developers/index.html): Developers | Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (148 words) - [Dwolla: A Single Solution for Finance Teams | Push to card](/content/updates/tag/push-to-card/index.html): Push to card | Streamline payment operations and reduce costs while gaining real-time visibility into cash flow. Learn more about Dwolla, the modern solution built specifically for organizations like yours. (35 words) ## About Pages - [Contact Dwolla | Talk to a Payment Infrastructure Expert](/content/contact/index.html): Talk to the Dwolla team about bank payment infrastructure for your platform. Get custom pricing for ACH, Same Day ACH, and real-time payment rails. (270 words) - [About Dwolla | Bank Payment Infrastructure Since 2008](/content/about/index.html): Dwolla provides bank payment infrastructure for platforms and enterprises. 16+ years of payments expertise, 126M+ annual transactions, 99.9% platform uptime. 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