Dwolla

Dwolla provides bank payment infrastructure through a single API. It runs ACH, Same Day ACH and real-time payments over the RTP Network and the FedNow Service behind one integration, with consistent status tracking, error handling, controls and reporting across every rail so a platform does not have to stitch providers together as volume grows.

Two products sit on that base. Dwolla Balance embeds a digital wallet so a platform can hold funds on-platform and initiate faster, more flexible transfers. Dwolla Connect integrates directly with a customer's existing bank relationships and maintains that single point of connection on their behalf. Open banking features add instant account verification, balance checks, tokenization and fraud controls with 24/7 monitoring, and mass pay disburses to thousands of recipients in one API request. The company supplies developer documentation, a sandbox for testing payment flows and edge cases before go-live, and a dedicated integration team.

Real estate is a named industry: the site describes automating rent, deposits, refunds and owner payouts, and replacing paper checks and manual account-to-account files for vendor and supplier payments. Other named verticals include lending, buy-now-pay-later, insurance, healthcare and B2B payments. Dwolla has been providing its API since 2008, says it now moves tens of billions of dollars a year, and cites 126M+ annual transactions.

Dwolla sells to platforms and enterprises rather than to individual landlords, and the pages crawled publish no plan prices or per-transaction fees. Expect an implementation project, and ask for pricing at your own volume.