Dwolla website screenshot

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 18 APIs on the APIs.io network, including Accounts API, beneficial owners API, client tokens API, and 15 more. 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 42 more developer resources.

59.5/100 strong ▬ flat Agent 53/100 agent native Front door AI 1/6 silent open core · MIT Full breakdown ↓
scored 2026-09-19 · rubric v0.22.0
AccessSelf serve
19 APIs 1 MCP Servers
PaymentsACHBank TransfersFintechAccount-to-Account PaymentsMoney MovementInstant PaymentsOpen BankingWebhookKYCUnited StatesOpen FinanceSame-Day ACHRTPFedNowMass PaymentsDrop-in ComponentsSDKSandbox

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-19 · rubric v0.22.0
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.
The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. 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. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 18

Individual APIs this provider publishes, each with its own machine-readable definition.

Dwolla Accounts API

Operations related to Accounts

Dwolla beneficial owners API

Operations related to Beneficial Owners

Dwolla client tokens API

Operations related to Client Tokens

Dwolla Customers API

Operations related to Customers

Dwolla Documents API

Operations related to Documents

Dwolla Events API

Operations related to Events

Dwolla exchange sessions API

Operations related to Exchange Sessions

Dwolla Exchanges API

Operations related to Exchanges

Dwolla funding sources API

Operations related to Funding Sources

Dwolla Kba API

Operations related to Knowledge-Based Authentication

Dwolla Labels API

Operations related to Labels

Dwolla mass payments API

Operations related to Mass Payments

Dwolla Root API

Root API operations

Dwolla sandbox simulations API

Sandbox-only operations for simulating processing of bank transfers

Dwolla Tokens API

Operations related to Application Access Tokens

Dwolla Transfers API

Operations related to Transfers

Dwolla webhook subscriptions API

Operations related to Webhook Subscriptions

Dwolla Webhooks API

Operations related to Webhooks

Scroll for all 18

Postman Collections 18

Ready-to-run Postman collections for exercising this provider's APIs.

Scroll for all 18

Open Collections 19

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Dwolla API - Accounts

OPEN COLLECTION

Dwolla API - Customers

OPEN COLLECTION

Dwolla API - Documents

OPEN COLLECTION

Dwolla API - Events

OPEN COLLECTION

Dwolla API - Exchanges

OPEN COLLECTION

Dwolla API - Kba

OPEN COLLECTION

Dwolla API - Labels

OPEN COLLECTION

Dwolla API - Root

OPEN COLLECTION

Dwolla API - Tokens

OPEN COLLECTION

Dwolla API - Transfers

OPEN COLLECTION

Dwolla API - Webhooks

OPEN COLLECTION

Dwolla API

OPEN COLLECTION

Scroll for all 19

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Dwolla MCP Server

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Dwolla Rate Limits

0 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Dwolla Webhooks

ASYNCAPI

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Dwolla Authentication

oauth2 · 1 scheme

SECURITY

Dwolla Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Dwolla Trust Center

SOC 2 Type 2

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Dwolla Agentic Access

164 operations · 68 acting

164 operations · 68 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

Documentation 3

Reference material describing how the API behaves

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

Design & Contract 8

Pagination, idempotency, versioning, errors, and events

Scroll for all 8

Build 7

SDKs, sample code, and the tooling you integrate with

Scroll for all 7

Access & Security 4

Authentication, authorization, and security posture

Operate 7

Status, limits, changes, and where to get help

Scroll for all 7

Commercial 4

Pricing, plans, and the legal terms of use

Company 3

The organization behind the API

Other 3

Properties that don't map to a standard resource type

Source (apis.yml)

apis.yml Raw ↑
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
deliveryModel:
  model: open-core
  license: MIT
  open_source: true
  commercial: true
  callable_host: true
  label: Open core · an OSS project plus a commercial hosted product
  confidence: high
  source:
  - license
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
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: '0.23'
created: '2026-07-17'
modified: '2026-09-16'
tags:
- Payments
- ACH
- Bank Transfers
- Fintech
- Account-to-Account Payments
- Money Movement
- Instant Payments
- Open Banking
- Webhook
- KYC
- United States
- Open Finance
- Same-Day ACH
- RTP
- FedNow
- Mass Payments
- Drop-in Components
- SDK
- Sandbox
tags_raw:
- 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: Operations related to Accounts
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Account
  tags_raw:
  - accounts
  properties:
  - type: OpenAPI
    url: openapi/dwolla-accounts-api-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: Operations related to Beneficial Owners
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Beneficial Owners
  tags_raw:
  - beneficial owners
  properties:
  - type: OpenAPI
    url: openapi/dwolla-beneficial-owners-api-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: Operations related to Client Tokens
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Client Tokens
  tags_raw:
  - client tokens
  properties:
  - type: OpenAPI
    url: openapi/dwolla-client-tokens-api-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: Operations related to Customers
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Customers
  tags_raw:
  - customers
  properties:
  - type: OpenAPI
    url: openapi/dwolla-customers-api-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: Operations related to Documents
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Documents
  tags_raw:
  - documents
  properties:
  - type: OpenAPI
    url: openapi/dwolla-documents-api-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: Operations related to Events
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Event
  tags_raw:
  - events
  properties:
  - type: OpenAPI
    url: openapi/dwolla-events-api-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: Operations related to Exchange Sessions
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - exchange sessions
  properties:
  - type: OpenAPI
    url: openapi/dwolla-exchange-sessions-api-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: Operations related to Exchanges
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Exchange
  tags_raw:
  - exchanges
  properties:
  - type: OpenAPI
    url: openapi/dwolla-exchanges-api-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: Operations related to Funding Sources
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Funding Sources
  tags_raw:
  - funding sources
  properties:
  - type: OpenAPI
    url: openapi/dwolla-funding-sources-api-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: Operations related to Knowledge-Based Authentication
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - kba
  properties:
  - type: OpenAPI
    url: openapi/dwolla-kba-api-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: Operations related to Labels
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Labels
  tags_raw:
  - labels
  properties:
  - type: OpenAPI
    url: openapi/dwolla-labels-api-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: Operations related to Mass Payments
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Mass Payments
  tags_raw:
  - mass payments
  properties:
  - type: OpenAPI
    url: openapi/dwolla-mass-payments-api-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: Root API operations
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Root
  tags_raw:
  - root
  properties:
  - type: OpenAPI
    url: openapi/dwolla-root-api-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 operations for simulating processing of bank transfers
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - sandbox simulations
  properties:
  - type: OpenAPI
    url: openapi/dwolla-sandbox-simulations-api-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: Operations related to Application Access Tokens
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Tokens
  tags_raw:
  - tokens
  properties:
  - type: OpenAPI
    url: openapi/dwolla-tokens-api-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: Operations related to Transfers
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Transfers
  tags_raw:
  - transfers
  properties:
  - type: OpenAPI
    url: openapi/dwolla-transfers-api-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: Operations related to Webhook Subscriptions
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Webhook Subscriptions
  tags_raw:
  - webhook subscriptions
  properties:
  - type: OpenAPI
    url: openapi/dwolla-webhook-subscriptions-api-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: Operations related to Webhooks
  humanURL: https://developers.dwolla.com/api-reference
  baseURL: https://api.dwolla.com
  tags:
  - Webhook
  tags_raw:
  - webhooks
  properties:
  - type: OpenAPI
    url: openapi/dwolla-webhooks-api-openapi.yml
  - type: Documentation
    url: https://developers.dwolla.com/docs
  - type: APIReference
    url: https://developers.dwolla.com/api-reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: CapabilityMap
  url: capabilities/dwolla-capability-edges.yml
  name: Dwolla Business Capability Map
- type: IssueTracker
  url: https://github.com/Dwolla/dwolla-openapi/issues
- type: License
  name: MIT
  url: https://github.com/Dwolla/dwolla-openapi/blob/main/LICENSE
- 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/_original/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

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