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Articles

  • Account types

    The different types of Dwolla accounts and their transfer limits and eligibility.

  • Bank transfer workflow

    A walkthrough of the ACH transfer process, including transfer statuses and processing times.

  • Facilitator Fee

    Collect a portion of the transfer amount on payments facilitated between two users.

  • OAuth refresh strategies

    Best practices and recommendations for managing your tokens.

  • Testing

    Simulate various test cases with the use of sentinel values or actionable buttons in Dwolla’s Sandbox environment.

Access API Articles

  • Customer verification

    Account verification statuses and how to respond when additional information is required.

  • Dwolla.js

    Securely transmit bank information from your application using our client-side JavaScript library.

  • Funding source verification

    Methods to verify funding sources, including Instant Account Verification and micro-deposits.

  • Same Day ACH

    A walkthrough of Same Day ACH and leveraging next-available processing times for faster transfers.


Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.