The API Basics

  • Customer types

    The different types of Customer types and their transfer limits and eligibility.

  • Bank transfer workflow

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

  • Customer verification

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

  • Funding source verification

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

  • Testing in the Sandbox

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


  • Dwolla.js

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

  • Facilitator Fee

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

  • Same Day ACH

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


  • Dwolla + Plaid

    Leverage Plaid’s bank verification with Dwolla’s ACH API for secure account ownership validation.

  • Dwolla + Sift Science

    Implement Sift Science’s machine learning model for real-time ACH fraud monitoring.

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.