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integrate ACH Archive - TransSwipe - Merchant Services and Credit Card Processing

TransSwipe - Merchant Services and Credit Card Processing

Archive for the ‘integrate ACH’ Category

When and where to Integrate ACH Payments, 4 Examples


Credit cards are common, well known and widely used, but their ubiquity doesn’t make them the best payments option for every new application and platform being built. When you’re integrating payments, you have to make the smartest decision on how to move money therein.

That’s where ACH transfers come in, and integrating ACH payments is more functional than ever with Dwolla’s bank transfer API. Whether you’re moving money between users’ bank accounts or paying out thousands of service providers, consider an ACH solution.

But wait, that sounds pretty abstract, right? How do I do what?! Let’s make it more tangible—take a look at some proven examples of integrating with the Dwolla’s ACH API to improve payments.

1- Integrate ACH into mobile applications

slider-mockup-1Consumers are relying on mobile applications more than ever, and new services and apps are being developed to serve this rising trend. We’ve gotten to know a few companies building their own innovative applications, who are also leveraging the ACH network via Dwolla.

One example is Sweep, a mobile application that encourages better savings habits by using various spending ‘buckets’ to track goals, expenses and bills. With Dwolla, Sweep users have the ability to move funds between bank accounts and savings buckets within the app.

Another example is Lenny, which uses Dwolla’s ACH API to send GPA-based micro-loans to students bank accounts , all within the mobile application.

2 – Integrate ACH to deliver payouts to service providers

If you’ve built the best platform tailored to a unique demographic or target audience, be sure you’ve also integrated the best option for that audience to get paid. Consider college referees for example…

Hundreds of sporting events take place every week, but have you ever stopped to think about how those refs get paid? The folks at Blue Zebra Sports did. Their platform is a one-stop-shop for managing refs and officials, from scheduling to payments.


They chose Dwolla to deliver payouts to refs—here’s why:

“The reason we decided to use Dwolla is that it fit perfectly with making things easy for officials. To get paid, they enter their bank account information in Dwolla, and then they can get paid. It’s also easier for our conference clients; they connect a bank account and make payments directly from their checking account—no managing wire transfers or ACH deposits into a third party account before being able to pay officials.“

Jeff Wigal, Founder and CTO

3 – Integrate ACH to improve your marketplace

Similar to paying out service providers is paying out sellers in a marketplace. We have a wide variety of partners that use our ACH API to deliver payouts to their vendors. One of our favorite examples comes from boutique marketplace  Jane.com.Jane.com Blog Header

By building bank transfers right into their platform with our  API, Jane.com is able tohey programmatically deliver payouts to thousands of boutique sellers. The the boutique’s sales are paid right to their bank account.  

Another example of using ACH for payouts is Wunder, a solar energy investing platform. Their investors and investees are paid out solely via Dwolla’s API. To invest in solar energy, just connect a bank account.

4 – Integrate ACH to offer an additional payment option on your platform

Finally, a simple, yet smart addition of ACH payments is as an additional payments option, right alongside credit cards. For businesses, there is supreme benefit to encouraging adoption of ACH over paying with a credit card—you keep more money because you cut out those pesky percentage-based transaction fees.

WODTogether did just this. They’ve built a platform for better gym management and integrated Dwolla’s bank transfer technology (in two weeks) to save its users money in collecting recurring membership fees.

WODTogether dashboard

Whether you’re looking to move money in a mobile application or make payouts to the thousands using your platform, tapping into the ACH network is always a smart option to explore.

For more information on how you could improve payments processes, contact an integration specialist today. Just drop a line in below.

Get started with ACH transfers

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Solar investing platform uses Dwolla API to power bank transfers

Case Study Header - Wunder

Investing in the renewables industry has notoriously come with a high barrier to entry and has been reserved for the likes of Google and Berkshire Hathaway. But as more money is pumped into the market, renewable technologies advance, risk is minimized, and these barriers begin to erode.


Wunder is on the leading edge of this change, bringing opportunities to invest in the burgeoning solar energy business to individual accredited investors. By leveraging proprietary algorithms and a team of solar specialists, Wunder is able to screen solar investment opportunities more accurately and efficiently than most banks. Once these opportunities are thoroughly vetted, selected investments are bundled into funds and made accessible to individual accredited investors through an online investment platform. With Wunder, accredited investors can quickly and securely invest in these diversified portfolios of high-return solar projects with as little as $1,000.

On a mission to simplify the financing and investing experience for both solar installers and investors, Wunder has delivered an easy-to-access marketplace for both parties to connect and scale more effectively.

The Problem

A key component to the Wunder platform involves the movement of both investments and returns through the platform. Bank transfers over the ACH network are central to providing a streamlined investor experience, but building this infrastructure from the ground up would be wildly cost prohibitive. After launching the platform earlier this year, it quickly became apparent to the Wunder team that anything short of a fully automated payments solution would be untenable at scale and that real-time insight into the changing statuses of ACH transactions would be crucial.

The Solution

Dwolla allows Wunder to brand the account set up experience and fold the bank account linking into the registration process. Additionally, Dwolla gives Wunder increased visibility into the funds flow, from collecting individual investments to batching the funds and distributing them to the solar installation projects. Each month, Wunder receives payments from the energy customers repaying their loans and distributes those returns to the fund investors.

Wunder is also able to leverage Dwolla’s API to send branded communications to their customers via a series of webhooks, alerting customers to changes on their account or transaction status.

“We have looked high and low for a provider capable of seamlessly and securely facilitating our ACH transactions, and we couldn’t be happier to be partnered with Dwolla. Their API allows us the flexibility that we need to deeply integrate ACH transactions into our platform without disrupting our user experience. From customer identity verification to bank account verification to the transactions themselves, Dwolla takes the complex world of payment processing and wraps it up into an API that is painless to integrate. And perhaps most importantly, working with the Dwolla team has been an absolute pleasure.”

Dave Riess, CTO of Wunder


Are you evaluating your payment software? If so, contact us.

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