Dwolla

aid: dwolla
name: Dwolla
kind: company
description: Dwolla is a Des Moines-based fintech providing an account-to-account (A2A) payments platform that lets businesses
  programmatically move money across the U.S. banking system. Its v2 REST API — a JSON-HAL hypermedia API secured with OAuth
  2.0 client-credentials — supports ACH (standard and Same-Day), instant/real-time payments over the RTP Network and FedNow
  Service, bank funding sources with micro-deposit and Open Banking (Plaid/MX) verification, verified Customers (personal
  and business with beneficial-owner/KYC flows), mass payments, labels and ledgers, virtual account numbers, and webhook event
  notifications. Dwolla ships official SDKs for Node, Python, Ruby, PHP, C#, and Kotlin, low-code Drop-in Components, and
  a read-only MCP server for AI agents.
url: https://raw.githubusercontent.com/api-evangelist/dwolla/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://github.com/Dwolla.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- a16z
- union-square-ventures
x-tier: enriched
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-23'
tags:
- Payments
- ACH
- Bank Transfers
- Fintech
- Account-to-Account Payments
- Money Movement
- Instant Payments
- Open Banking
- Webhooks
- KYC
- United States
- Open Finance
- Same-Day ACH
- RTP
- FedNow
- Mass Payments
- Drop-in Components
- SDKs
- Sandbox
apis:
- aid: dwolla:dwolla-accounts-api
  name: Dwolla Accounts API
  description: Retrieve details about your master Dwolla Account and manage account-level resources including creating and
    listing the account's own funding sources, and listing the account's transfers and mass payments. The root of the account-to-account
    money-movement model that all verified Customers and funding sources hang from.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Accounts
  - Funding Sources
  - Balance
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-accounts-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-customers-api
  name: Dwolla Customers API
  description: Create, retrieve, update, list and search Dwolla Customers — the account holders you onboard to send or receive
    money. Supports Unverified, Receive-Only, Personal Verified and Business Verified customer types with the identity-verification
    (KYC/CIP) fields the U.S. banking system requires, plus business classification lookups used during business-customer
    onboarding.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Customers
  - KYC
  - Onboarding
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-customers-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-beneficial-owners-api
  name: Dwolla Beneficial Owners API
  description: Create, retrieve, update, remove and certify beneficial owners for Business Verified Customers. Implements
    the U.S. CDD/beneficial-ownership requirements by collecting and verifying the individuals who own or control a business
    entity, and exposing the certification step that attests ownership information is accurate.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - KYC
  - Beneficial Owners
  - Compliance
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-beneficial-owners-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-kba-api
  name: Dwolla KBA API
  description: Knowledge-Based Authentication (KBA) for Personal Verified Customers whose identity could not be automatically
    verified. Initiate a KBA session, retrieve the dynamically generated question set, and submit answers to complete step-up
    identity verification without requiring a document upload.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - KYC
  - Identity Verification
  - Compliance
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-kba-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-documents-api
  name: Dwolla Documents API
  description: Upload and retrieve identity-verification documents for Customers and beneficial owners when additional documentation
    is required to clear verification. Supports photo ID and business documents, tracks each document's review status, and
    lists all documents attached to a Customer or beneficial owner.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - KYC
  - Documents
  - Identity Verification
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-documents-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-funding-sources-api
  name: Dwolla Funding Sources API
  description: Attach, verify, retrieve, update and remove bank-account and balance funding sources for Accounts and Customers.
    Supports micro-deposit verification, instant Open Banking verification (Plaid/MX and other exchange partners), on-demand
    transfer authorizations, retrieving a funding source's balance, and virtual account/routing numbers (VANs).
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Funding Sources
  - Bank Accounts
  - Open Banking
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-funding-sources-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-transfers-api
  name: Dwolla Transfers API
  description: Initiate, retrieve, list, search and cancel money transfers between funding sources over the U.S. banking rails
    — standard ACH, Same-Day ACH, and instant/real-time payments via the RTP Network and FedNow Service. Exposes transfer
    status, fees, and failure details, and is the core money-movement resource of the Dwolla platform.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Transfers
  - ACH
  - Instant Payments
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-transfers-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-mass-payments-api
  name: Dwolla Mass Payments API
  description: Initiate a single batch (mass payment) of up to 5,000 individual transfers from one source funding source,
    then retrieve, update (pause/cancel), and list the mass payment and its items. Built for payroll, marketplace payouts,
    and other high-volume disbursement use cases that would otherwise require thousands of individual transfer calls.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Mass Payments
  - ACH
  - Batch
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-mass-payments-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-labels-api
  name: Dwolla Labels API
  description: Allocate and track funds within a Verified Customer's Dwolla balance using labels (a virtual sub-ledger). Create
    and list labels, reallocate balance between labels, and read the label ledger entries, enabling FBO/ledgering patterns
    where a single balance is partitioned across many end users.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Labels
  - Ledger
  - Balance
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-labels-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-exchanges-api
  name: Dwolla Exchanges API
  description: Manage Open Banking exchange connections used to instantly verify and fund from bank accounts. List available
    exchange partners (Plaid, MX, Flinks, Finicity, Checkout.com), create and list exchange resources for an Account or Customer,
    and retrieve individual exchange records that back an Open-Banking-verified funding source.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Open Banking
  - Exchanges
  - Funding Sources
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-exchanges-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-exchange-sessions-api
  name: Dwolla Exchange Sessions API
  description: Create and manage exchange sessions — the short-lived tokens that drive the Open Banking connect experience.
    Start a Customer exchange session, list available exchange connections, create a re-authentication session when a connection
    expires, and retrieve session state used by Dwolla's Drop-in components and hosted flows.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Open Banking
  - Exchanges
  - Verification
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-exchange-sessions-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-events-api
  name: Dwolla Events API
  description: List and retrieve Events — the immutable record of every state change across your Dwolla application (customer
    verified, transfer created/completed/failed, funding source added, and more). Events are retained for 30 days and are
    the source that backs webhook notifications, letting you reconcile or replay activity via polling.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Events
  - Webhooks
  - Notifications
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-events-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-webhook-subscriptions-api
  name: Dwolla Webhook Subscriptions API
  description: Create, retrieve, list, pause and remove webhook subscriptions that tell Dwolla where to deliver event notifications.
    Each subscription carries a secret used to HMAC-sign payloads so your endpoint can verify authenticity, forming the registration
    half of Dwolla's real-time webhook delivery system.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Webhooks
  - Subscriptions
  - Notifications
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-webhook-subscriptions-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-webhooks-api
  name: Dwolla Webhooks API
  description: Inspect and manage individual webhook deliveries. Retrieve a specific webhook, list the delivery attempts for
    a subscription, and retry failed deliveries — giving you full visibility into and control over the at-least-once delivery
    of event notifications to your endpoints.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Webhooks
  - Notifications
  - Delivery
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-webhooks-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-client-tokens-api
  name: Dwolla Client Tokens API
  description: Generate single-use, narrowly-scoped client tokens that authorize Dwolla's low-code Drop-in Components and
    client-side flows to act on behalf of a specific Customer. Keeps your application secret on the server while letting the
    browser safely perform a scoped action such as adding a funding source.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Authentication
  - Drop-in Components
  - Security
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-client-tokens-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-tokens-api
  name: Dwolla Tokens API
  description: Exchange your application key and secret for an OAuth 2.0 client-credentials application access token used
    as the bearer token on every server-to-server Dwolla API request. Tokens are short-lived (default one hour) and are the
    entry point to authenticating with the entire Dwolla v2 API.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Authentication
  - OAuth 2.0
  - Security
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-tokens-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-root-api
  name: Dwolla Root API
  description: The API root — a JSON-HAL hypermedia entry point that returns the _links an authenticated application can follow
    (its account, customers, and other top-level collections). Reflects Dwolla's hypermedia design where clients discover
    available resources by following links rather than hard-coding URLs.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Discovery
  - Hypermedia
  - HAL
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-root-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-sandbox-simulations-api
  name: Dwolla Sandbox Simulations API
  description: Sandbox-only endpoint that advances the state of test transfers and other resources so developers can simulate
    ACH processing, clearing, and failure scenarios on demand rather than waiting for real bank timing. Essential for end-to-end
    testing of money-movement flows before going live.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - Sandbox
  - Testing
  - Simulation
  - United States
  properties:
  - type: OpenAPI
    url: openapi/dwolla-sandbox-simulations-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
- aid: dwolla:dwolla-openapi
  name: Dwolla API
  description: Dwolla API from Dwolla — 59 path(s) described in OpenAPI.
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  properties:
  - type: OpenAPI
    url: openapi/dwolla-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: PostmanWorkspace
  url: https://www.postman.com/kinlaneapi/dwolla/overview
- type: AgenticAccess
  url: agentic-access/dwolla-agentic-access.yml
- type: DomainSecurity
  url: security/dwolla-domain-security.yml
- type: TrustCenter
  url: security/dwolla-trust-center.yml
- type: Compliance
  url: https://www.dwolla.com/security/
- type: Website
  url: https://dwolla.com
- type: DeveloperPortal
  url: https://developers.dwolla.com
- type: Documentation
  url: https://developers.dwolla.com/docs
- type: APIReference
  url: https://developers.dwolla.com/docs/api-reference
- type: GettingStarted
  url: https://developers.dwolla.com/docs/quickstart
- type: Support
  url: https://discuss.dwolla.com
- type: GitHubOrganization
  url: https://github.com/Dwolla
- type: Pricing
  url: https://www.dwolla.com/pricing/
- type: SignUp
  url: https://accounts-sandbox.dwolla.com/sign-up
- type: Login
  url: https://dashboard.dwolla.com
- type: TermsOfService
  url: https://www.dwolla.com/legal/tos/
- type: PrivacyPolicy
  url: https://www.dwolla.com/legal/privacy/
- type: StatusPage
  url: https://status.dwolla.com/
- type: ChangeLog
  url: https://developers.dwolla.com/docs/changelog
- type: ChangeLog
  url: changelog/dwolla-changelog.yml
  name: Dwolla changelog (structured)
- type: LLMsTxt
  url: llms/dwolla-llms.txt
- type: MCPServer
  url: mcp/dwolla-mcp.yml
- type: ToolCrosswalk
  url: mcp/dwolla-tool-crosswalk.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/dwolla-overlay.yaml
- type: Packages
  url: packages/dwolla-packages.yml
- type: SDKs
  url: packages/dwolla-packages.yml
- type: Authentication
  url: authentication/dwolla-authentication.yml
- type: Conventions
  url: conventions/dwolla-conventions.yml
- type: Idempotency
  url: conventions/dwolla-conventions.yml
- type: ErrorCatalog
  url: errors/dwolla-problem-types.yml
- type: DeclineCodes
  url: errors/dwolla-decline-codes.yml
- type: Lifecycle
  url: lifecycle/dwolla-lifecycle.yml
- type: Deprecation
  url: lifecycle/dwolla-lifecycle.yml
- type: Sandbox
  url: sandbox/dwolla-sandbox.yml
- type: Components
  url: components/dwolla-components.yml
- type: Webhooks
  url: asyncapi/dwolla-webhooks.yml
- type: Conformance
  url: conformance/dwolla-conformance.yml
- type: DataModel
  url: data-model/dwolla-data-model.yml
- type: RateLimits
  url: rate-limits/dwolla-rate-limits.yml
- type: WellKnown
  url: well-known/dwolla-well-known.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/dwolla
- type: Blog
  url: https://www.dwolla.com/blog/
- type: OpenAPI
  url: openapi/dwolla-openapi.yml
  name: Dwolla API (full bundled OpenAPI 3.1)
- type: SourceCode
  url: https://github.com/Dwolla/dwolla-openapi
  name: Dwolla OpenAPI source repository
- type: Review
  url: review.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence