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Dwolla Review

Dwolla
Our score: 8.9 User satisfaction: 93%

What is Dwolla?

Dwolla is an online payment solution specifically designed for bank transfers. It consists of a flexible and easy-to-use suite of products that work with all US banks and credit unions, making it easy to build applications that facilitate bank transfers, manage customers, and instantly verify bank accounts.

Dwolla is touted as the ideal API to move money, whether it is by sending payouts or integrating P2P transfers within the user’s own platform. It keeps the brand front and center, providing the payment infrastructure needed to ensure a smooth payment processing experience that works well with the platform already in place.

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Overview of Dwolla Benefits

Dwolla provides everything users need in an API for automated clearing house (ACH) functions. Users can send, receive, or transfer funds between customers while verification gets to be completed in an instant. This robust API lets them get up and running with a minimum of four endpoints, making integration easy to implement.

Its dashboard and admin provides an intuitive interface for viewing White Label integrations. The Dashboard unlocks data generated by the API and presents the information users will need to operate a successful business. There is also a customizable integration script that can be integrated into the system and quickly verify bank accounts, with easy to use tools that help manage single or bulk bank transfers on demand.

Transfers can be done instantly as fast as just one business day with expedited transfers. There is also the MassPay feature that processes the disbursement of thousands of payments at once with a single API request or CSV upload. Transfers can be done in just one business day with Expedited Transfers, while On-Demand Transfers collects variable payments from a payer’s bank account upon authorization. It is quick to implement and easy to customize and verify bank accounts in a matter of seconds.

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Overview of Dwolla Features

  • Virtual Account Numbers
  • Configurable Technology
  • Flexible Payment Flows
  • Several User Types
  • Multiple Transfer Types
  • Developer-Friendly Experience
  • Modern API + Serverless Webhooks
  • Developer Documentation
  • Open Sandbox Environment
  • 99.9% Uptime
  • Customized Support Levels

Dwolla Position In Our Categories

Since businesses have particular business requirements, it is rational that they abstain from adopting an all-in-one, ”best” software product. Nonetheless, it would be futile to try to pinpoint such an app even among sought-after software products. The practicable thing to do is to make a list of the different key functions which need scrutiny such as key features, budget, technical skill competence of staff members, business size, etc. Then, you should follow through your product research comprehensively. Browse through some of these Dwolla reviews and look into each of the applications in your list in detail. Such comprehensive research ensures you stay away from mismatched applications and buy the system that has all the benefits your company requires.

Position of Dwolla in our main categories:

TOP 50

Dwolla is one of the top 50 Mobile Payment Apps products

TOP 20

Dwolla is one of the 20 Payment Gateway Providers products

Each company has its own characteristics, and can require a particular type of Payment Gateway Providers solution that will be fit for their company size, type of clients and staff and even particular industry they cater to. You should not count on getting a perfect app that is going to work for every company no matter what their history is. It may be a good idea to read a few Dwolla Payment Gateway Providers reviews first and even then you should keep in mind what the software is intended to do for your business and your staff. Do you need an easy and straightforward service with only elementary functions? Will you actually make use of the complex functionalities required by pros and large enterprises? Are there any particular features that are especially beneficial for the industry you work in? If you ask yourself these questions it is going to be much easier to locate a reliable service that will match your budget.

How Much Does Dwolla Cost?

Dwolla Pricing Plans:

Free Trial

Pay-As-You-Go

starts at $0.05

Launch

starts at $250/month

Scale

starts at $1,000/month

Custom

starts at $2,000/month

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What are Dwolla pricing details?

Dwolla Pricing Plans:

Free Trial

Pay-As-You-Go

starts at $0.05

Launch

starts at $250/month

Scale

starts at $1,000/month

Custom

starts at $2,000/month

Dwolla offers the following pricing options:

Pay-As-You-Go – 0.5% per transfer (minimum of $0.05, maximum of $5)

  • No setup fee
  • No monthly minimums
  • Transaction-based pricing
  • Payment automation

Launch – starts at $250 per month

  • Month-to-month payments
  • Flexible pricing
  • Select features
  • Payment automation

Scale – starts at $1,000 per month

  • Annual subscription
  • Flat monthly pricing
  • Dedicated support
  • Premium features

Custom – starts at $2,000 per month

  • Annual commitment
  • Volume pricing
  • Dedicated support
  • Premium features

User Satisfaction

Positive Social Media Mentions 82
Negative Social Media Mentions 4

We are aware that when you make a decision to buy a Payment Gateway Providers it’s crucial not only to learn how professionals evaluate it in their reviews, but also to discover whether the real people and companies that use this software are indeed happy with the product. Because of that need we’ve designer our behavior-based Customer Satisfaction Algorithm™ that collects customer reviews, comments and Dwolla reviews across a broad array of social media sites. The information is then presented in a simple to digest format indicating how many people had positive and negative experience with Dwolla. With that information at hand you will be prepared to make an informed purchasing decision that you won’t regret.

Technical details

Devices Supported

  • Windows
  • Mac
  • Web-based

Deployment

  • Cloud Hosted

Language Support

  • English

Pricing Model

  • Quote-based

Customer Types

  • Small Business
  • Large Enterprises
  • Medium Business

What Support Does This Vendor Offer?

  • email
  • phone
  • live support
  • training
  • tickets

What integrations are available for Dwolla?

No information available.

Dwolla User Reviews

Dwolla average rating:

Average score
4.6/5 (14 user reviews)
5/5

Overall impression

5/5

Customer Support

4/5

Value for Money

4/5

Ease of Use

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The most favorable review

Ellsworth

PROS: I really appreciate their dashboard since it keeps me on top of things. Updates show up in real time, and if there are any hurdles, I can depend on their customer service agents since they respond promptly.

CONS: I do want a couple of changes to be implemented. When it comes to transactions that aren't business-related, the current API has no addenda for it, and I'd really like to see that in future versions. Being able to accept cheques as payment would also be a great thing to add.

Reviewed 5 years ago

Read full review >

The least favorable review

Justin

PROS: When it comes to processing fees, Dwolla's is the lowest compared to other competitors. Processing will only be free if purchased orders are under $10. An additional fee of $0.25 is charged for purchased orders worth over $10. This is one big reason why we were immediately hooked to Dwolla in the first place. With that principle alone, it's a no-brainer to go for Dwolla.

CONS: I was hoping more people would take advantage of Dwolla's offerings. Payment services require individuals who are really comfortable in using them. Otherwise, having a different or unfamiliar payment system could lead to a halt. Dwolla is our secondary option after PayPal. A lot of people have already set up their own PayPal accounts and only a few people are aware of Dwolla.

Reviewed 7 years ago

Read full review >

More reviews from 14 actual users:

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  • Latest
  • Most useful
  • Most positive
  • Most negative

A highly effective tool for money transfers.

Read full review >
Kyler
5/5

Overall impression

4/5

Customer Support

4/5

Value for Money

4/5

Ease of Use

Published on: 03.12.2021 Company Size: 11-50 Employees Industry: Financial Services

PROS: Using Dwolla eases my worries when sending money to our providers and paying for our employees. I like the way the company works because it always finds ways to improve its services. I am confident that they will always find ways to solve any problem that we encounter.

CONS: The system itself has been mostly smooth sailing since the beginning. Keep it up!

What do you think about this review?

Great Poor

Payments are being processed easily through the help of Dwolla.

Read full review >
Marcelina
5/5

Overall impression

4/5

Customer Support

4/5

Value for Money

5/5

Ease of Use

Published on: 08.11.2021 Company Size: 11-50 Employees Industry: N/A

PROS: The CS team rocks because they solve issues fast and easy. I also like how the dashboard is being set up; its easy to see what I’m looking for.

CONS: Check payments needs more time for processing and clearing, which is one of Dwolla’s main opportunities. Also, I don’t recommend using this for personal money transfers.

What do you think about this review?

Great Poor
Show More User Reviews (14)

Dwolla gives me a unique and hassle-free fund transfer experience.

Read full review >
Krista
5/5

Overall impression

5/5

Customer Support

4/5

Value for Money

4/5

Ease of Use

Published on: 07.11.2021 Company Size: More than 100 Employees Industry: Consumer Services

PROS: We used to have pending payment issues, but it is now a thing of the past since we shifted to Dwolla. This API platform has proven its worth to business owners for the past years. It can deliver fast and stable financial transactions in just one go. Also, I appreciate all the support that I’ve been getting from the team responsible for Dwolla’s existence.

CONS: There are no serious issues so far. I am glad that Dwolla has done a fantastic job of clearing online check payments. They always try their best to make each transaction work without any inconveniences at all.

What do you think about this review?

Great Poor

I get paid on time through Dwolla. Very beneficial, especially when I need cash ASAP.

Read full review >
Syble
4/5

Overall impression

3/5

Customer Support

4/5

Value for Money

3/5

Ease of Use

Published on: 13.10.2021 Company Size: 11-50 Employees Industry: Consumer Services

PROS: Receiving payments is fast and easy, plus I don’t get deductions for processing fees.

CONS: I love using Dwolla. Nothing needs to be improved and they should remain consistent.

What do you think about this review?

Great Poor

Great tool for processing payouts for our business partners, and it helps establish trust.

Read full review >
Coty
5/5

Overall impression

5/5

Customer Support

4/5

Value for Money

5/5

Ease of Use

Published on: 09.08.2021 Company Size: 11-50 Employees Industry: N/A

PROS: The product itself is worth using because you can always rely on it for online cash transfer transactions. I love that the system is structured, making it a lot convenient for everyone. Also, it does a great job of documenting all transactions, which is vital for the business.

CONS: I am sure that Dwolla has spent a small fortune investing for software design and features to impress its users. However, its complexity has gone overboard, which resulted in some setbacks for typical users like me. Some functions are quite challenging to execute, so we end up not maximizing the app. I wish that they could find the opportunity to recreate the dashboard and make it more appropriate for the majority of users to enjoy.

What do you think about this review?

Great Poor

Cost effective and prompt service

Read full review >
Coy
4/5

Overall impression

4/5

Customer Support

3/5

Value for Money

3/5

Ease of Use

Published on: 17.05.2021 Company Size: 11-50 Employees Industry: Consumer Services

PROS: I use this payment gateway to receive payment from a research company I’m working for. They make direct deposit and I got it on time. Another awesome thing is that it didn’t charge me a penny for the transfer.

CONS: I don’t see anything wrong using this software. All is great.

What do you think about this review?

Great Poor

A helpful tool in our youth sports world

Read full review >
Amos
4/5

Overall impression

3/5

Customer Support

3/5

Value for Money

3/5

Ease of Use

Published on: 29.03.2021 Company Size: More than 100 Employees Industry: Internet

PROS: I have embedded Dwolla on my website as a payment option for athletes who wish to register to my youth sports program. It’s simple and easy to use and has made payment processing simpler and easier than ever. It eliminates the hassles related to sending payments for registration.

CONS: So far we haven’t encountered any major issue that could be a deal breaker. Dwolla is a great payment gateway. There are just some things that I wish they would provide us such as the ability to keep the numbers of our athletes who select the payment plan option. It would be very helpful.

What do you think about this review?

Great Poor

A terrific way for accepting payments online.

Read full review >
Constance
4/5

Overall impression

4/5

Customer Support

4/5

Value for Money

4/5

Ease of Use

Published on: 29.03.2021 Company Size: 1-10 Employees Industry: Apparel & Fashion

PROS: Thanks to VeryJane, I was brought to another payment software with Dwolla. VeryJane is a service that only pays via Dwolla. Utilizing the payment service was really simple. It has that similar feel to PayPal. I honestly believe Dwolla has potential and should be included by old and new merchants.

CONS: Dwell is a really worthy ideal payment solution. It's great for merchants. I just wish more people would discover this gem. As a vendor owner, I wouldn't hesitate in including Dwolla into all of our sites. That is, if they have some sort of a plugin for websites running on a WordPress platform.

What do you think about this review?

Great Poor

Reliable service

Read full review >
Efren
4/5

Overall impression

4/5

Customer Support

4/5

Value for Money

3/5

Ease of Use

Published on: 03.02.2021 Company Size: More than 100 Employees Industry: Restaurants

PROS: Dwolla is designed to help people send and receive payments with so much ease and it performs its job very well. It provides a seamless payment processing experience.

CONS: Dwolla does its job well. So far, I have not had any bad experience using this platform.

What do you think about this review?

Great Poor

It’s a good platform

Read full review >
Ellsworth
5/5

Overall impression

5/5

Customer Support

4/5

Value for Money

5/5

Ease of Use

Published on: 31.12.2020 Company Size: 1-10 Employees Industry: N/A

PROS: I really appreciate their dashboard since it keeps me on top of things. Updates show up in real time, and if there are any hurdles, I can depend on their customer service agents since they respond promptly.

CONS: I do want a couple of changes to be implemented. When it comes to transactions that aren't business-related, the current API has no addenda for it, and I'd really like to see that in future versions. Being able to accept cheques as payment would also be a great thing to add.

What do you think about this review?

Great Poor

Really great partner

Read full review >
Lincoln
5/5

Overall impression

4/5

Customer Support

5/5

Value for Money

5/5

Ease of Use

Published on: 04.09.2019 Company Size: 1-10 Employees Industry: N/A

PROS: Aside from how extensive their documentation is, the three things I like about this are how good the product is, how good their customer support is, and how easy it is easy to work with people fro their company. It's really helped us to acclimatize to their product.

CONS: Honestly, I think their API could be simplified even further, as there have been instances where I have found it hard to use. The support for Java could also be improved. I would also like to see more options for filtering and searching on the dashboard, as well as for it to allow to trace all relationships in detail for each entity. There are also parts of the tool that could further improve its documentation.

What do you think about this review?

Great Poor

I had a good experience with this

Read full review >
Jaeden
5/5

Overall impression

5/5

Customer Support

4/5

Value for Money

5/5

Ease of Use

Published on: 29.08.2019 Company Size: 51-100 Employees Industry: N/A

PROS: I really like that unlike other similar programs, this one has a sandbox that is documented and robust. I can't say enough good things about their API documentation. I also like how I quickly get responses when I bring up problems to their support forum. Their webhooks actually work, and I also should commend how well thought out their test cases for things like failure models are.

CONS: Frankly, I don't have any complaints. This has really made what could be a complicated infrastructure easy to deal with it. Can't think of anything I'm displeased with.

What do you think about this review?

Great Poor

Easy to use payment gateway

Read full review >
Forrest
4/5

Overall impression

4/5

Customer Support

4/5

Value for Money

4/5

Ease of Use

Published on: 11.08.2019 Company Size: 1-10 Employees Industry: Financial Services

PROS: What I like best about this software is its simple interface which makes it easier to learn how to use the system. I also like its advance and awesome features. It has a fund management tool, instant and micro-deposit bank verification ability, and many more.

CONS: I wish they improve the signup as well as verification process. Also, it would be great if the platform would be available for businesses outside the United States.

What do you think about this review?

Great Poor

A product that charges very low fees.

Read full review >
Justin
4/5

Overall impression

4/5

Customer Support

4/5

Value for Money

4/5

Ease of Use

Published on: 15.09.2018 Company Size: 11-50 Employees Industry: Internet

PROS: When it comes to processing fees, Dwolla's is the lowest compared to other competitors. Processing will only be free if purchased orders are under $10. An additional fee of $0.25 is charged for purchased orders worth over $10. This is one big reason why we were immediately hooked to Dwolla in the first place. With that principle alone, it's a no-brainer to go for Dwolla.

CONS: I was hoping more people would take advantage of Dwolla's offerings. Payment services require individuals who are really comfortable in using them. Otherwise, having a different or unfamiliar payment system could lead to a halt. Dwolla is our secondary option after PayPal. A lot of people have already set up their own PayPal accounts and only a few people are aware of Dwolla.

What do you think about this review?

Great Poor
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Dwolla user reviews

A highly effective tool for money transfers.

Read full review >
Kyler
5/5

Overall impression

4/5

Customer Support

4/5

Value for Money

4/5

Ease of Use

Published on: 03.12.2021 Company Size: 11-50 Employees Industry: Financial Services

Payments are being processed easily through the help of Dwolla.

Read full review >
Marcelina
5/5

Overall impression

4/5

Customer Support

4/5

Value for Money

5/5

Ease of Use

Published on: 08.11.2021 Company Size: 11-50 Employees Industry: N/A

Dwolla gives me a unique and hassle-free fund transfer experience.

Read full review >
Krista
5/5

Overall impression

5/5

Customer Support

4/5

Value for Money

4/5

Ease of Use

Published on: 07.11.2021 Company Size: More than 100 Employees Industry: Consumer Services

I get paid on time through Dwolla. Very beneficial, especially when I need cash ASAP.

Read full review >
Syble
4/5

Overall impression

3/5

Customer Support

4/5

Value for Money

3/5

Ease of Use

Published on: 13.10.2021 Company Size: 11-50 Employees Industry: Consumer Services

Great tool for processing payouts for our business partners, and it helps establish trust.

Read full review >
Coty
5/5

Overall impression

5/5

Customer Support

4/5

Value for Money

5/5

Ease of Use

Published on: 09.08.2021 Company Size: 11-50 Employees Industry: N/A
Louie Andre

By Louie Andre

B2B & SaaS market analyst and senior writer for FinancesOnline. He is most interested in project management solutions, believing all businesses are a work in progress. From pitch deck to exit strategy, he is no stranger to project business hiccups and essentials. He has been involved in a few internet startups including a digital route planner for a triple A affiliate. His advice to vendors and users alike? "Think of benefits, not features."

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