The Dwolla API provides an interface to integrate the Dwolla payments platform into a software application. Dwolla provides white labeled bank transfer payment services that includes is a simple yet powerful API for ACH transfers.
The API provides developers with the functionality to transfer money to users, send mass payments, transfer money between users, facilitate bank verification and authorization, and retrieve transfer history. The RESTful API implements HATEOS and HAL, and responses are formatted in JSON.
Dwolla has announced the addition of Real-Time Payment (RTP) technology to the company’s API suite. RTP networks were first instituted in the United States by The Clearing House in November 2017 with the intent of providing broad access to instantaneous payment transactions across the country.
Dwolla has adopted the Kotlin programming language, with a focus on helping its Java clients. Specifically, the company created a new Kotlin-based SDK for its API. Dwolla maintains that Kotlin is wholly compatible with Java and, more importantly, simpler to use and maintain.
Dwolla has long used a ledger based organization system to track funds allocated through the Dwolla API. Now, Dwolla is exposing this functionality through a new API feature it calls Labels. Labels allow developers to track and identify fund allocation without duplicating accounts.