# Dwolla Software Pricing, Alternatives & More 2026 | Capterra

> With the help of Capterra, learn about Dwolla Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more.

Source: https://www.capterra.com/p/148014/Dwolla

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# 

 Dwolla Software Review 2026: Features, Integrations, Pros & Cons

Last updated on March 13, 2026

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.

[Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews)

Dwolla

## What is Dwolla?

Dwolla is a trusted leader in payment services, powering innovations with sophisticated account-to-account payment solutions. Dwolla’s robust technology and easy-to-implement API simplify the complex process of integrating with the ACH and real-time payment networks to create a single end-to-end solution.

## What is Dwolla used for?

[Payment Processing](https://www.capterra.com/payment-processing-software/)

Overall rating

Based on 43 user reviews

Reviews sentiment

Positive

84%

Neutral

9%

Negative

7%

Contact vendor  
for pricing

Free trial  
not available

Capterra Shortlist charts the highest-rated and most popular products...

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Our "Best of" badge program showcases products with the highest ratings...

Do you work for Dwolla?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=http://dwolla.com&name=Dwolla)

## Compare with a popular alternative

Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status.

### Dwolla

4.3 (43)

VS.

[4.6 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/)

Starting Price

Contact vendor

Starting Price

Contact vendor

Free Trial

Free Version

Pricing Options

Free Trial

Free Version

Ease Of Use

3.9 (43)

Ease Of Use

4.5 (26,261)

Value For Money

3.9 (39)

Value For Money

4.4 (20,123)

Customer Service

4.2 (42)

Customer Service

4.2 (20,380)

## Dwolla alternatives

[PayPal](https://www.capterra.com/p/207944/PayPal/)

[4.6 (26,283)](https://www.capterra.com/p/207944/PayPal/reviews/)

Starting price

$0.29

Per User, Per Month

Pricing Options

Free Trial

Free Version

User Rating

94%

of reviewers

rated it above 4 stars

[Learn More](https://www.capterra.com/p/207944/PayPal/)

Highest Rated

[Venmo](https://www.capterra.com/p/222572/Venmo-/)

[4.7 (9,270)](https://www.capterra.com/p/222572/Venmo-/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

95%

of reviewers

rated it above 4 stars

[Learn More](https://www.capterra.com/p/222572/Venmo-/)

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)

[4.7 (2,670)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

94%

of reviewers

rated it above 4 stars

[Learn More](https://www.capterra.com/p/170278/Square-Payments-Processing/)

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)

[4.6 (3,018)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

Starting price

Contact vendor for pricing

Pricing Options

Free Trial

Free Version

User Rating

94%

of reviewers

rated it above 4 stars

[Learn More](https://www.capterra.com/p/275802/Square-Point-of-Sale/)

[View all alternatives](https://www.capterra.com/p/148014/Dwolla/alternatives/)

## Features

Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically.

ACH Payment Processing

4.5 (11)

72.73% of 11 reviewers that rated this feature as important or highly important

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

Data Security

4.8 (8)

100.00% of 8 reviewers that rated this feature as important or highly important

Protect sensitive data for digital privacy

Online Payments

4.8 (8)

37.50% of 8 reviewers that rated this feature as important or highly important

Accept and process online payment transactions

Payment Fraud Prevention

4.2 (6)

50.00% of 6 reviewers that rated this feature as important or highly important

Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc.

Reporting/Analytics

3.0 (5)

80.00% of 5 reviewers that rated this feature as important or highly important

View and track pertinent metrics to find patterns and gain insights from data

PCI Compliance

4.5 (4)

0.00% of 4 reviewers that rated this feature as important or highly important

Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS)

Dwolla 17 features

Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH)

Dashboard to view the status of ongoing processes, identify current incidents and track past activities

Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges

Application programming interface that allows for integration with other systems/databases

Add customized logos and colors to align with company branding

Import and export data to and from software applications

Protect sensitive data for digital privacy

Process payments via multiple modes directly through the application

Accept and process online payment transactions

Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc.

Integration with payment gateways to facilitate online transactions

Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS)

Receive data and information in real time

Automated process of charging customers at regular intervals for repeated access or use of a product or service

View and track pertinent metrics to find patterns and gain insights from data

Search and filter data across systems to locate required information by entering keywords or certain criteria

Track the status over time for a request, process, asset, or transaction

Get Advice

We can help you find the software with the features you need.

Features

4.1 (43)

4.1

Based on 43 reviews

## Pricing

Value for money

3.9 (39)

### Starting price

Contact vendor  
for pricing

Free trial  
available

Value for money

3.9 (39)

3.9

Based on 39 reviews

## Integrations

[

Slack](https://www.capterra.com/p/135003/Slack/)[

Plaid](https://www.capterra.com/p/174384/Plaid/)

Connect with a Capterra advisor for a free 15-minute consultation

Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs.

## Support, customer service and training options

Customer Service

4.2 (42)

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Deployment

-   Web
-   Android
-   iPhone/iPad

Typical users

-   Freelancers
-   Small businesses
-   Mid size businesses
-   Enterprises

Customer Service

4.2 (42)

4.2

Based on 42 reviews

## User reviews

Overall rating

4.3

Based on 43 reviews

Filter by rating

5(25)

4(11)

3(4)

2(0)

1(3)

Mentioned topic

Sorted by most recent

CJ

Carter J.

CEO

Utilities

### "Absolutely Horrible Experience – Avoid Dwolla at All Costs"

1.0

Overall Rating

1.0

1.0

Ease of Use

1.0

1.0

Features

1.0

1.0

Customer Service

1.0

1.0

Likelihood to Recommend

0/10

March 24, 2025

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

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

DS

Doris S.

Founder-CEO

Financial Services

### "Dwolla, a reliable payment option"

5.0

Overall Rating

5.0

5.0

Ease of Use

4.0

4.0

Features

4.0

4.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

January 30, 2024

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

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

SL

Susan L.

Founder & CEO

Financial Services

### "Above-and-Beyond Customer Service"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

October 31, 2023

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/)

Reasons 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

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

AU

Anonymous User

Responsable de operaciones

Environmental Services

### "Plataforma para pagos online seguros y práctica"

5.0

Overall Rating

5.0

5.0

Ease of Use

4.0

4.0

Features

4.0

4.0

Customer Service

5.0

5.0

Likelihood to Recommend

8/10

August 18, 2023

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

Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication.

GR

Gray R.

Partner / CTO

Financial Services

### "Great product if it fits your specific needs."

5.0

Overall Rating

5.0

5.0

Ease of Use

3.0

3.0

Features

4.0

4.0

Customer Service

5.0

5.0

Likelihood to Recommend

7/10

July 5, 2022

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

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

AL

Alexander L.

CTO/CFO

Retail

### "Dwolla is an incredible platform for ACH Processing"

5.0

Overall Rating

5.0

5.0

Ease of Use

3.0

3.0

Features

4.0

4.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

July 1, 2022

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

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

AA

Austin A.

Product Operations Lead

Insurance

### "Dwolla Product Review"

3.0

Overall Rating

3.0

3.0

Ease of Use

3.0

3.0

Features

2.0

2.0

Customer Service

3.0

3.0

Likelihood to Recommend

5/10

June 29, 2022

Pros

I can see who the transactions are made for.

Cons

No ability to download reports from platform. Unable to search for transactions on the initial dashboard.

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

MD

Micah D.

CTO

Financial Services

### "Customer Support has room for improvement"

4.0

Overall Rating

4.0

4.0

Ease of Use

4.0

4.0

Features

4.0

4.0

Customer Service

1.0

1.0

Likelihood to Recommend

5/10

April 12, 2022

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

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

MH

Mike H.

CEO

Accounting

### "CEO Review"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

March 16, 2022

Pros

That it is partnered with a FDIC bank and we don't store or view any confidential client information

Cons

The timeline for processing international payments

Review source

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

RM

Richard M.

Director of IT

Health, Wellness and Fitness

### "Excellent Software"

5.0

Overall Rating

5.0

5.0

Ease of Use

5.0

5.0

Features

5.0

5.0

Customer Service

5.0

5.0

Likelihood to Recommend

10/10

March 11, 2022

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

Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication.

[View all Reviews](https://www.capterra.com/p/148014/Dwolla/reviews/)

Popular comparisons

[PayPal vs Dwolla](https://www.capterra.com/compare/148014-207944/Dwolla-vs-PayPal)

[Stripe vs Dwolla](https://www.capterra.com/compare/123889-148014/Stripe-vs-Dwolla) 

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