Full-Time
Posted on 6/17/2025
Provides ACH payment processing via API
$140k - $160k/yr
Des Moines, IA, USA
Remote
Candidates must be based in the United States.
Dwolla provides a developer-friendly platform that lets businesses integrate ACH payments directly into their software. Its core product is an API that automates payments, with the ability to process up to 5,000 payments in a single API request, designed for large-scale, secure transactions. The platform includes a sandbox for testing, comprehensive developer documentation, and interactive demos to ease integration. Revenue comes from a subscription-based model for API access and usage-based add-ons. Dwolla differentiates itself with a strong focus on API-driven payments, high batch-capacity, scalability, and a developer-centric experience, supported by testing environments and resources. The company aims to help businesses automate and streamline payments quickly and securely at any scale.
Company Size
51-200
Company Stage
Late Stage VC
Total Funding
$72.4M
Headquarters
Des Moines, Iowa
Founded
2008
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Unlimited PTO
Stock Options
Health and Wellness
Retirement Savings Plan
Parental Leave
Remote Work
Home Office Stipend
Headspace
Dwolla to showcase Instant Payments at Money20/20, ushering in the real-time era of digital finance. October 21, 2025 07:00 ET | Source: Dwolla DES MOINES, Iowa, Oct. 21, 2025 (GLOBE NEWSWIRE) - Dwolla, a leading provider of account-to-account (A2A) payment infrastructure trusted by fintechs and enterprises, today announced its participation at Money20/20 USA, where the company will spotlight its Instant Payments capabilities across the RTP(R) network and the FedNow(R) Service. With Dwolla's latest offering, platforms can use Dwolla's technology to move money in seconds, reducing payment uncertainty, enabling real-time reconciliation and elevating digital experiences across lending, insurance, real estate, marketplaces and more. This aligns with the industry's demand for speed, transparency and automation within modern treasury operations. "Instant payments mark a turning point for enterprise finance. Our clients want to orchestrate payments intelligently, automate what used to take days and unlock real-time liquidity across their ecosystems. Dwolla makes that possible with the infrastructure and reliability they expect," said Dave Glaser, CEO at Dwolla. Dwolla's platform provides a unified API that supports ACH, Same Day ACH, RTP and FedNow, consolidating multiple payment rails into one secure system. Enterprises can modernize treasury processes, improve cash-flow predictability and scale faster, without adding operational complexity. * Move money instantly with Dwolla's technology, powered by RTP and FedNow Service * Improve reconciliation and reduce payment errors * Maintain secure bank connections with tokenized authentication * Embed payments directly into applications through a single API See Dwolla in Action at Money20/20 Meet with Dwolla during Money20/20 to learn how Instant Payments can elevate your payment operations. To schedule a one-on-one meeting or discuss partnership opportunities, visit dwolla.com/p/money-2020. To learn how Dwolla's instant payments capabilities can streamline your payment operations and enhance cash flow, visit www.dwolla.com or book a consultation with the team. Q1: What is Dwolla bringing to Money20/20? Dwolla is showcasing Instant Payments via the RTP network and FedNow Service, available through a single, unified API alongside ACH and Same Day ACH. Q2: How do Instant Payments improve enterprise finance? They enable real-time funds availability, faster reconciliation, and reduced exceptions. Teams gain cash-flow visibility and can automate payout and collection workflows that previously took days. Q3: What industries benefit most? Lending (disbursements and refunds), insurance (claims), real estate (earnest money, commissions), marketplaces (seller payouts), payroll (off-cycle or earned wage access) and B2B platforms (supplier payments) all benefit from instant settlement and status transparency. Q4: How does Dwolla's unified API reduce complexity? It abstracts multiple rails - ACH, Same Day ACH, RTP, FedNow - into one integration, plus tokenized bank connectivity and monitoring. Developers embed payments once and select the optimal rail with policy-based routing. Q5: Is it secure and compliant? Dwolla employs tokenization, encryption in transit and at rest, role-based access controls and audit logging. The platform supports enterprise risk, compliance and monitoring workflows aligned with industry standards. Q6: How does pricing work? Pricing can reflect rail usage (ACH vs. real-time), volume and value-added features. Contact Dwolla for a tailored proposal aligned to your use case and volume projections. Q7: Does this replace ACH? No. ACH remains ideal for certain use cases (e.g., bulk, non-urgent). With Dwolla, enterprises can mix rails and automate decisions by cost, speed, amount and risk profile. Q8: What's required to go live? A developer can integrate Dwolla's API, complete bank connectivity and configure webhooks, idempotency and error handling. Most teams deploy to a pilot environment, then expand with traffic-shaping and observability. Q9: Where can I learn more? Please check: Dwolla Instant Payments, The Clearing House (RTP) and the Federal Reserve (FedNow) for authoritative education. Q10: How can I see a live demo at Money20/20? Book a private demo via dwolla.com/p/money-2020. About Dwolla Dwolla is a trusted leader in payment services, powering innovation with sophisticated A2A solutions. Dwolla's easy-to-implement API simplifies the complexity of integrating with ACH and real-time payment networks to deliver a single end-to-end solution. Hundreds of SMBs and Fortune 500 companies rely on Dwolla's technology to help move over $67B annually. For businesses seeking to streamline payment processes, reduce errors and scale operations, Dwolla provides the infrastructure to build what's next in money movement.
Dave Glaser, from pay-by-bank platform Dwolla, believes real-time payment infrastructure in the US is more than capable of improving merchant and consumer payment experiencesFor the country that gave the world PayPal, Google Wallet and Apple Pay, the US domestic payment system can seem, well, a little Jurassic to an outsider.Payment dinosaurs, like cheques (US: checks) while not prolific, aren’t extinct either. And UK visitors are often a little unnerved when a waiter takes your plastic and disappears with it to process the payment.That said, things are changing fast.Handheld devices are becoming more popular in diners; 28 per cent of Americans made a contactless payment instore last year (according to McKinsey); and A2A, real-time payments and open banking are accelerating in use (albeit from a very small base). Dave Glaser, CEO of the pay-by-bank platform Dwolla, would argue that the US was kind of ahead of the curve on that last one.“We’ve had an open banking platform for the last 50 years. It’s called the ACH (Automated Clearing House) system,” he says.The US has two ACH operators: The Clearing House, privately owned by the major banks, and the Federal Reserve’s ACH also known as FedACH.It created an infrastructure that could, in theory, share customer data between every bank and credit union as well as third-party payments operators. The trouble was that by the time banks, merchants and consumers caught up with the idea of open banking, the system itself had become legacy. Dwolla entered the market 15 years ago as one of the earliest champions of A2A payments.It could see a future where payments become truly frictionless through pay-by-bank and open banking solutions for merchants and businesses
DES MOINES, Iowa, Feb. 26, 2025 /PRNewswire/ - Dwolla, a leading U.S.-based account-to-account (A2A) payment solution, today announced the appointment of Daniel Quezada as its new Chief Financial Officer (CFO).
Bringing even more simplification to the payments process.At Money20/20 USA 2024, we spoke to Dave Glaser, CEO of Dwolla, who is at the heart of a shift taking place in the US. He points to a future where payments could “disappear” through biometric-linked transactions.Glaser lets us know how their secure, cost-effective pay-by-bank and open banking solutions reduce the reliance on traditional methods and legacy systems. It’s an exciting example of Open Banking and Embedded finance in action.Modernizing Payments: Why the Challenge PersistsThe main thing Dave highlights is the ongoing efforts to modernize payments stem from the ever-evolving nature of technology and consumer preferences. Drawing from his 25 years of experience in the industry, he described this as one of the most dynamic eras for payments innovation. Legacy companies that have been operating for decades are now actively upgrading their systems to align with modern expectations.Real-time payments, a global theme, aim to deliver immediacy, reduce costs, and expand options for both businesses and consumers. In the U.S., the RTP model, FedNow, and Same-Day ACH are gaining traction, offering businesses multiple frameworks to experiment with
Payment intelligence provider ValidiFI has teamed with fuel/convenience retail tech company PDI Technologies. The collaboration, announced Wednesday (Nov. 20), will see ValidiFI provide real-time bank account validation for the consumer enrollment process for PDI’s payments solutions. This integration also covers GasBuddy, the PDI-owned fuel savings platform. “Selecting ValidiFI as the preferred provider for bank account validation empowers consumers to choose how they enroll their bank account — using their online banking credentials or manually entering bank account information,” ValidiFI said in a news release provided to PYMNTS. “The collaboration increases instant consumer approvals, strengthens fraud detection, and empowers more informed risk decisions through validating bank accounts and assessing behavior.”