Dwolla

Dwolla is an API-based platform focused on moving money between U.S. bank accounts via ACH and real-time payment networks like RTP. It enables businesses to build white-label payment experiences for bank transfers. It targets fintechs, marketplaces, and platforms needing to send or receive bulk payments.

It uses a low, per-transaction fee (e.g., $0.50) rather than a percentage. It scores for its robust, flexible API designed specifically for bank payments, offering a cost-effective alternative to card networks for large or recurring transfers, especially within B2B and gig economy contexts.