# Dwolla Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Dwolla the right Payment Processing solution for you? Explore 43 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/148014/Dwolla/reviews --- Dwolla 4.3 (43) [View alternatives](https://www.capterra.com/p/148014/Dwolla/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of Dwolla Ease of use 3.9 Customer Service 4.2 ## Pros and Cons in Reviews GR Gray R Partner / CTOFinancial Services, 11 - 50 employeesUsed the software for: More than 2 years. “They fill in a gap in the market of being a low-cost, reliable, secure and scalable solution for needing to do many ACH transfers via api.“ July 5, 2022 MD Micah D CTOFinancial Services, 2 - 10 employeesUsed the software for: 1-2 years. “I have reported some serious issues in the past, where the support rep has told me that everything is working as normal, when in fact there were issues.“ April 12, 2022 AL Alexander L CTO/CFORetail, 2 - 10 employeesUsed the software for: 6-12 months. “They have rapid turnaround and I know that when I send them a query I will get an immediate answer. “ July 1, 2022 RB Richard B CEOComputer Software, 2 - 10 employeesUsed the software for: Less than 6 months. “Just incredibly disappointed with the customer service options.“ March 31, 2021 GR Gray R Partner / CTOFinancial Services, 11 - 50 employeesUsed the software for: More than 2 years. “API is well-documented, has good uptime, good rate limits, and good response times.“ July 5, 2022 Alexander J Co-founder, Head of ProductInformation Technology and Services, 11 - 50 employeesUsed the software for: 1-2 years. “The integration was plug-and-play, the support has been excellent, and we were able to go-live very quickly - providing our customers with an easy-to-use and effective payments experience through our partnership.“ January 11, 2022 ## Showing most helpful reviews Showing 1-25 of 43 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Alexander J. Co-founder, Head of Product Information Technology and Services Used the software for: 1-2 years ### "Plug-and-play integration, Fast go-live" January 11, 2022 5.0 At Glean, our goal is to power finance teams to spend intelligently - analyzing the rich data that is available in invoices and other documents to help companies understand what they're spending on and opportunities to both save and supercharge their business. We offer a modern, smart AP process built on a foundation of insights and analytics - which means payments is a core component of the product. We set out to find a B2B payments partner, and Dwolla's expertise combined with years of experience in the space made them a perfect fit. The integration was plug-and-play, the support has been excellent, and we were able to go-live very quickly - providing our customers with an easy-to-use and effective payments experience through our partnership. Having a partner means that you also benefit from their roadmap as well - in our case, having the flexibility of increasing our ACH limits, turning on next-day payments, and exploring new rails like RTP, are all ways that Dwolla continues to innovate and make us look really good with our customers. Pros \- They have a battle-tested product, with years of B2B payments expertise - The integration was plug-and-play, allowing us to go-live with a very aggressive time-table - Their support is fantastic, and is always available if we have questions - They are constantly release new features and continuing to innovate, which we directly benefit from (allowing us to offer a best-in-class payments experience) Cons \- Dashboard UI is a bit unintuitive for users - Would be nice to have more automation in the KYB process Review Source SL Susan L. Founder & CEO Financial Services Used the software for: 2+ years ### "Above-and-Beyond Customer Service" October 31, 2023 5.0 Honestly? Nothing. They are remarkable. Pros Dwolla has been with our startup up from the start. They serve as the backbone and primary translator of payments between accounts as defined by our users. Whenever we've made changes or had new ideas to explore, Dwolla has enthusiastically sat at the table to brainstorm ways to support us. They are the definition of a true partner. Cons Honestly. Nothing. We have partnered with Dwolla for over 7 years and have not experienced anything but satisfaction. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Dwolla Because of their approach to partnering with us. We went to their offices to share our vision, mission and model for empowering consumers to live, give and save with purpose. They have always worked with us on pricing at each changing stage of our business. Review Source CJ Carter J. CEO Utilities Used the software for: Less than 6 months ### "Absolutely Horrible Experience – Avoid Dwolla at All Costs" March 24, 2025 1.0 Horrible. They are unresponsive, won't give a reason why, and left me walking away from the interaction feeling like I wasted months Pros Can't say much about them, my entire experience was horrible Cons Working with Dwolla has been one of the most frustrating and disappointing experiences I’ve ever had with a service provider. After nearly three months of onboarding, jumping through their compliance hoops, and investing over $1,000 directly into Dwolla fees, I also spent more than $10,000 paying my development team to integrate our software with their API. Everything seemed to be going as planned—until, without any warning or explanation, Dwolla completely stopped communicating with us. Emails, follow-ups, support tickets—all ignored. We were left in the dark with a partially built platform, thousands of dollars lost, and zero clarity on why they abruptly ghosted us. Not only was this unprofessional and unethical, but it also created a massive financial and operational setback for my business. There was no transparency, no support, and no respect shown to us as a client. If you’re a startup or small business considering Dwolla for payment infrastructure: proceed with extreme caution or better yet, look elsewhere. There are other platforms out there that actually value their customers and won’t disappear on you without a word. Review Source BS Brian S. CTO Real Estate Used the software for: 2+ years ### "Dwolla is a great payment processing partner for ACH Payments" December 23, 2021 5.0 Dwolla has been the most helpful and customer service focused vendor I have ever worked with. This is no exaggeration, I am in regular contact with our customer success rep who responds regularly with in minutes of asking a question. Additionally, I have frequently been asked to contribute to discussions with their product teams and roadmap teams. I believe Dwolla truly values their customers opinions and feedback, they have always been quick to respond to any questions or concerns, and are frequently proactive when reaching out to ask my opinion on new features and functionality. Pros The number one pro for Dwolla is their customer service, we typically get answers in minutes when we have questions about anything in their API, or a question about a payment that was processed. Dwolla's API Documentation, and support documents are top notch easy to read, and easy to understand. Cons There isn't much, I could say that I don't like about the software, but the admin dashboard portal could use a little attention to make it more robust. However Dwolla is in the process of making improvements to this area, and they even reach out to me and other customers to find out how they can best improve the Dashboard. Reason for choosing Dwolla Dwolla was the only product that offered transfer limits, and pricing that was in line with our business needs. Review Source Response from Dwolla December 28, 2021 Brian, We wanted to send a sincere thank you for leaving a robust review that outlines your team's experience with Dwolla and our services. We appreciate your continued contributions to helping us better service you and our other clients. We are never done. Our team of professionals looks forward to working closely with you! GR Gray R. Partner / CTO Financial Services Used the software for: 2+ years ### "Great product if it fits your specific needs." July 5, 2022 5.0 Dwolla has been a wonderful and key integration to our product. They fill in a gap in the market of being a low-cost, reliable, secure and scalable solution for needing to do many ACH transfers via api. They also have really strong customer service which I can't express enough how impactful that has been for us. Pros Really great customer service which is the biggest differentiator for us. Also, extremely low cost per transaction, and an api-first approach that fits our needs. API is well-documented, has good uptime, good rate limits, and good response times. KYC verification is also a well-done and reliable layer once you iron out with customer service the process of handling outliers. They also have some helpful integrations with other platforms. Cons There is limited functionality in their dashboard which is fine, but there are many things that can only be done through the api so prepare to build out a lot of internal-only api calls. Also, bank to bank transfers flow through a digital wallet layer which is in some ways helpful and in other ways a little harder to handle in terms of tracking status and handling status updates. Review Source RM Ricky M. CDBO Financial Services Used the software for: 2+ years ### "Good information " December 16, 2021 5.0 Fantastic, it’s been a enormous support to our project Pros Consistently, robust, flexible! Prepared for challenging Cons We feeling so good with this software because always adapt to our needs Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Dwolla 100% I choose Dwolla over stripe Review Source Response from Dwolla December 28, 2021 Ricky, Thank you for your review of the Dwolla API. We appreciate you sharing your personal experience with our product and look forward to our continued work together. - The Dwolla Team DS Doris S. Founder-CEO Financial Services Used the software for: 2+ years ### "Dwolla, a reliable payment option" January 30, 2024 5.0 The experience is a 10 in our book. API integration and customer service is at the top within our vendor relationships. Pros Their customer service and notifcations. Reliability of the product. Cons The speed of transfers- Particularly weekend tranfers. Consumers want rapid payments. Review Source VR Verified Reviewer Co-Founder - Creative Internet Used the software for: 6-12 months ### "Features good for leasing companies, ok for startups" October 30, 2018 3.0 Customer service has been prompt, but mistakes have still been made by the dwolla team in processing some transactions. The dev team at Dwolla has been very helpful and have offered very good advice. The price is below the competition but not sure the hassle to our customers is worth the savings. Pros The software allows for ACH transfers in a API at a reasonable cost. Cons API document had several errors that we had to inform Dwolla about, also not as easy to integrate as advertised. Since I believe their clients are generally leasing or real estate companies, the checks they do on our customers is not ideal. Dwolla said they regularly send customers below the age of 26 in document or retry status, for a tech app, those customers will never come back due to the hassle of the dwolla process. Review Source VR Verified Reviewer CEO / President - Founder Hospital & Health Care Used the software for: 6-12 months ### "Great Service with Room to Improve" October 23, 2018 4.0 Bottom line, would not be in business if it were not for Dwolla <3 Our plan is to have over 100,000 payments per week spread all over the US, and this could NOT happen without Dwolla. Pros Once you set it up it is super easy to use. Sadly, they are getting rid of the Transfer function which is a nice feature. Cons Seems like there should be a Freemium model for startups with less that 100 transactions per month, then have a 100 to 1,000 price; 1,001 to 5,000 transactions per month price, and then an all you can eat price. Review Source VR Verified Reviewer CEO Financial Services Used the software for: 2+ years ### "Scalable service with fantastic customer service" December 10, 2019 5.0 An amazing support team that over delivers on an amazing customer experience. Pros Reliable platform that you can integrate with ease. Cons Nothing wrong with using Dwolla to date! Review Source VR Verified Reviewer Responsable de operaciones Environmental Services Used the software for: Less than 6 months ### "Plataforma para pagos online seguros y práctica" August 18, 2023 5.0 Pros La seguridad que ofrece y lo práctica que es. Es una buena alternativa a las marcas más usadas Cons Nos ha dado algún que otro pequeño problema, pero que hemos podido solucionar Review Source CH Christie H. CEO Insurance Used the software for: 1-2 years ### "Super fast integration" November 6, 2020 5.0 Pros Dwolla's new Pay as You Go set up is a great way to implement ACH payments quickly and without having to commit to any annual contracts. We were able to get integrated in about a week's time, and the solution has scaled alongside our business nicely. Cons The PAYG feature is new, so initially the cost structure was quite high. We ended up staying because of the PAYG option. Review Source MC Matthew C. Owner Retail Used the software for: 1-2 years ### "Great tool for a specific use case" October 26, 2018 5.0 We use Dwolla for simple receive-only ACH payments. We hate ACH in general but Dwolla is one of the few ways to do it in a simple way without massive amounts of Know-Your-Customer overhead. Pros It accomplishes what we need without getting in the way or making assumptions about how we want to do business. Cons The cost. Dealing with contracts instead of a self serve sign-up process. Review Source BV Bronson V. Sales rep Wholesale Used the software for: 2+ years ### "Stay away" October 31, 2018 1.0 I recieved money that was only recievabke through dwolla. So I Setup an account. To my dismay there were practically no major commerce site that used dwolla as a payment option and the only way to withdraw funds was to link bank account, stay away Pros It is simple to use I guess, it is easy to start and setup an account Cons It isn’t usable anywhere. Virtually no site that the average person visits uses dwolla as an acceptable payment method. Review Source ST Samuel T. Engineer Airlines/Aviation Used the software for: Less than 6 months ### "Dwolla Review" October 23, 2018 4.0 Pros Simple well documented API. Good project management kickoff support. Cons Cost. A lot of questions about business model and usage which I understand but slowed down testing and initial review. Review Source AL Alexander L. CTO/CFO Retail Used the software for: 6-12 months ### "Dwolla is an incredible platform for ACH Processing" July 1, 2022 5.0 I would highly recommend Dwolla for ACH processing. They have a very robust platform and incredible customer support. Pros Dwolla has superb APIs for processing ACH payments of our customers. They also have the very best customer support. They have rapid turnaround and I know that when I send them a query I will get an immediate answer. I have used their competitors and their customer support was none existent. Cons I would like better reporting tools on their site. Review Source RB Richard B. CEO Computer Software Used the software for: Less than 6 months ### "Dwolla Pay as You Go option has been a nightmare for us." March 31, 2021 1.0 90% negative at this point. Pros Payment facilitation between our clients and their clients. Cons I was happy to learn that Dwolla had recently added a “pay as you go” option. This would allow our clients to now send payments to their clients as a referral incentive. We obviously don’t want to spend $2k/mo for their “scale”package as we will gradually be processing more and more payments over time. Therefore we decided to start with the “pay as you” go option and then planned to migrate once we were doing a higher volume of payments. We built out everything required with api’s and learned they needed us to submit an application before we could submit our mobile apps to the apple App Store. We submitted that several weeks ago and needed them to respond on an urgent timeline as our clients had urgent needs for their mobile apps to be released. We have contacted their support with zero response and have let them know of the urgency of the situation and it’s been crickets. (It’s still just sitting in their queue) Anyway, hoping to salvage a relationship here, as we like the functionality. Just incredibly disappointed with the customer service options. Review Source Response from Dwolla April 6, 2021 Mr Bitton, Thank you for reaching out to Dwolla and sharing the issues you have experienced. We are sorry that we have failed to connect with you recently and look forward to providing you with a better experience. An account representative has reached out to the email address on file. The Dwolla Team MB Mike B. Enterprise Marketing Technology Consultant Pharmaceuticals Used the software for: 2+ years ### "Easy to Integrate and Work With" October 27, 2021 5.0 Pros The API services provided by Dwolla have been reliable. In the 3 years we have used them since going live we have not had any major system issues and have had no downtime in our solutions due to any service outages from Dwolla Cons No major cons. We had a challenging and new use case for them to implement and didn't have any major issues when deploying Review Source AS Aalok S. Chief Technology Officer Financial Services Used the software for: 6-12 months ### "Great software, great API, marred by mixed quality customer service" October 31, 2018 4.0 Overall the experience is good. Using Dwolla as a system for sending and receiving automated payments via ACH is the primary goal and purpose. Having implemented the API, we have achieved those goals. Also having our customers go through verification and becoming verified customer records solves a major point for us as well. That said, the negative points come into play when something goes awry and you need support, or someone to talk to, and the only thing you can do is put a message in the slack channel and wait ... Pros There are many things about the system that are great. The API and the documentation are excellent. The API is extremely robust, and the platform itself is easily navigable to perform actions manually. The ability to vet users by creating verified customer records is excellent as well. The initial sales conversation is great as well, and pretty much all expectations are answered. Even afterwards, having dedicated account managers and a dedicated slack channel are great. Cons Getting through the legal review is an arduous process. Afterwards, support through the slack channel is a bit slow. There is no phone based support. After the phone conversations with sales, you cannot call them back for support. There is no phone based customer support. There is no phone based technical support. Review Source MD Micah D. CTO Financial Services Used the software for: 1-2 years ### "Customer Support has room for improvement" April 12, 2022 4.0 The support team is not very cooperative. Pros We are a fan of all the services that Dwolla provides. Cons The customer support process could be improved. It would be nice to see a list of issues we have reported in the past. I have reported some serious issues in the past, where the support rep has told me that everything is working as normal, when in fact there were issues. It seems that the average Dwolla support rep is not very interested in providing support. It is time consuming to explain how Dwolla works to a Dwolla rep. Review Source JC Jessica C. COO Retail Used the software for: 6-12 months ### "Saved me a ton of time!" September 17, 2020 5.0 Pros I was spending a ton of time issuing payments to our customers each week. We needed a solution that would integrate easily into our existing flow and Dwolla fit the bill. It was easy to implement and our customers are enjoying a more streamlined process for receiving their payments. Dwolla has also provided us with a more flexible payout timeline as customers are requesting their payouts rather than me issuing them on a predefined timeline. We are seeing balances sit for longer periods of time as customers wait for a higher balance prior to requesting a payout. This is a win-win for both sides. Cons Most of our customers have not heard about Dwolla so it has taken a bit of educating them to ensure the payment process is safe and secure. Review Source BM Brittany M. Customer Experience Director Farming Used the software for: Less than 6 months ### "User Experience" March 12, 2019 4.0 Overall, Dwolla does what we need right now and has been great with supporting our business transactions; however, I do worry about scaling with Dwolla's limited external user support. Pros I like how Dwolla interfaces with our platform and streamlines our payment process for customers. Cons The verification process can take awhile and if there's an issue with user's verification (i.e. blurry document image, mismatched information, etc.) Dwolla doesn't notify the the user and help explain the issue. There's still a lot involvement on our side (as Dwolla's customer) to look into the issue, troubleshoot it and help the user make the correction). Overall, Dwolla doesn't really account for user errors. I'm hoping this functionality is in Dwolla's product roadmap, because I can't imagine scaling our business using Dwolla with it's current functionality . Also, the micro deposit verification method and time it takes to transact a payment from one customer to another seems too long when there is clearly the technology with other products to do even instant payments. Any way to tighten this window would be ideal. Review Source JG Joe G. Cash & Fraud Specialist Retail Used the software for: 2+ years ### "Dwolla" March 11, 2022 4.0 Pros The ease of integration matched with the low cost to process multiple ACH payments twice a week make this a great product. Cons The inability to process IAT or international payments. Review Source RM Richard M. Director of IT Health, Wellness and Fitness Used the software for: 2+ years ### "Excellent Software" March 11, 2022 5.0 Pros Very easy to use. User interface is great and very intuitive. Customer service is very helpful and responsive as well Cons Initial implementation with our system was a tedious process but that is usually the case with financial software like this Review Source AA Anoop A. Software Dev Farming Used the software for: 1-2 years ### "API was too granular. Customer service was fantastic." March 19, 2019 4.0 The customer service was fantastic. Shoutout to @coolstorycory. Pros Was able to get transfers working the way we needed it to work. Cons Not enough abstraction. Was exposed to - and had to deal with - too much detail. The API was waay too granular. On each "webhook", had to do multiple calls to the api to resolve various attributes associated with the transaction. Biggest issue was that it took some doing to resolve subsequent webhooks to find out which "parent" transaction the webhook was for. Review Source Similar Products Featured ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.