Using Dwolla.js for On-demand bank transfers

On-demand bank transfers allow Dwolla customers to receive variable totals from a payer’s bank account via an ACH transaction—perfect for companies with usage-based business models, such as utilities or advertising platforms. No other third-party gateways or merchant accounts required, just your Dwolla integration and payer authorization.

This is application setting for your Dwolla Master Account. When enabled, the end user is presented with text on the bank selection screen within the IAV flow giving authorization to Dwolla for future variable payments.

Screenshot of On-demand

Once you have collected all of the authorizations required for a bank transfer, including the additional authorization from the Customer for on-demand transfers, you will be able to initiate transfers for variable amounts and dates.


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.