By: Jordan,

Checkout with Dwolla Direct in just a few clicks, no Dwolla account required.

At Dwolla we are always looking to create new ways to make payments faster and easier, not just for our customers but for all customers. We believe speed and convenience aren’t luxuries, they’re necessities. That’s why we’re proud to introduce Dwolla Direct, a new payment experience that allows individuals or organizations to send money to a business directly from their bank or credit union without requiring an existing Dwolla account or linked bank. That’s right, with Dwolla Direct you don’t have to have a fully registered Dwolla account to use the networkand most users won’t even need to provide their routing or account numbers to make a payment. We offer a streamlined process that can instantly verify bank information and allow first-time users to make a payment in as little as 15 seconds.

securely send online bank transfers with Dwolla

We believe sending money shouldn’t require gambling with your sensitive account information. Using Dwolla Direct is like putting a username and password on your checkbook. Your sensitive account information is never sent to the receiver of your payment, and you have a digital receipt of the transaction. No more checks lost in the mail, no more exposure of your personal financial network. Plus, you can reuse your username and password to send payments any time. No more re-entering your payment information. Leave the checkbook in the drawer and say goodbye to the postman, Dwolla Direct has you covered.

What does this mean for our users?

Nothing. All of our “no-tech” payment tools, like Form Builder tool, shopping cart plug-ins, invoicing options, and Dwolla Buttons, as well as our Off-site Gateway API, will automatically update on June 25th. We’re announcing it today to give our businesses and merchants time to understand the improvements.

How does it work?

Create a username and password, authenticate your bank credentials, and you can complete your payment directly from your bank. It is as simple as sending a check, but with the visibility, security, and speed of a digital payment.

Send online payments without a Dwolla account

Dwolla’s mission is and has always been to build the ideal way move money. For us, this means making payments seamless, safer and less expensive.

To learn more about an integration reach out below

We'll help you design your ideal payments experience.


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Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.