Dwolla

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.

Dwolla publishes 1 API on the APIs.io network. Tagged areas include Payments, ACH, Bank Transfers, Fintech, and Account-to-Account Payments.

The Dwolla catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Dwolla’s developer surface includes documentation, API reference, getting-started guide, support, pricing, signup flow, changelog, and 29 more developer resources.

🌐 Visit website 📡 Source on GitHub

42.5/100 thin Agent 54/100 agent ready Full breakdown ↓
scored 2026-07-20 · rubric v0.4

1 APIs 1 MCP Servers 0 Features

PaymentsACHBank TransfersFintechAccount-to-Account PaymentsMoney MovementInstant PaymentsOpen BankingWebhooksKYC

API Rating

API Evangelist Rating How this is scored →
scored 2026-07-20 · rubric v0.4

Composite quality — 42.5/100 · thin

Contract Quality 0.0 / 25

Developer Ergonomics 14.3 / 20

Commercial Clarity 12.1 / 20

Operational Transparency 6.8 / 13

Governance 0.0 / 12

Discoverability 9.3 / 10

Agent readiness — 54/100 · agent ready

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/dwolla: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

MCPServer

MCPServer

WellKnown

WellKnown

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Components

Webhooks

Conformance

DataModel

Scroll for all 8

Build 4

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Packages

SDKs

DeclineCodes

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

TrustCenter

Compliance

Authentication

Operate 6

Status, limits, changes, and where to get help

Support

StatusPage

ChangeLog

ChangeLog

Deprecation

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: dwolla
name: Dwolla
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
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: '2026-07-18'
tags:
- Payments
- ACH
- Bank Transfers
- Fintech
- Account-to-Account Payments
- Money Movement
- Instant Payments
- Open Banking
- Webhooks
- KYC
apis:
- name: Dwolla API
  description: Dwolla's v2 account-to-account payments API. A JSON-HAL hypermedia REST API secured with OAuth 2.0 client-credentials
    for moving money over ACH, Same-Day ACH, RTP, and FedNow, managing verified Customers and funding sources, mass payments,
    exchanges/open banking, and webhook events.
  humanURL: https://developers.dwolla.com
  baseURL: https://api.dwolla.com
  version: v2
  tags:
  - Payments
  - ACH
  - Instant Payments
  - Open Banking
  properties:
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/docs/api-reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- 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: 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
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Dwolla

API Rating

APIs

Dwolla API

MCP Servers

dwolla-mcp.yml

Rate Limits

Dwolla Rate Limits

Event Specifications

Dwolla Webhooks

Resources