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Dwolla uses custom pricing as of May 2026. Contact Dwolla directly for a personalized quote. The median contract is $374/year based on 20 verified purchases.

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: No free tier available

Dwolla offers 1 pricing tiers: Enterprise. The Enterprise plan is large deployments, quote-based pricing.

Compared to other payment processing software, Dwolla is positioned at the budget-friendly price point.

  • Median contract: $374/yr from 20 purchases
  • 2 documented hidden costs beyond list price
Last verified: | Sources: 1 pricing pages and reviews

How much does Dwolla cost?

Dwolla uses custom pricing across 1 plan. Contact Dwolla directly for a personalized quote. Plans include Enterprise (custom pricing).

Dwolla Pricing Overview

Dwolla uses custom pricing — contact their sales team for a quote. The Enterprise plan requires contacting sales for a custom quote and is designed for large deployments, quote-based pricing.

The median Dwolla customer pays $374/year based on 20 verified purchases.

There are at least 2 documented hidden costs beyond Dwolla's list price, including implementation, training, and add-on fees.

This pricing was last verified in May 17, 2026 from 1 independent sources.

Try Dwolla Free

Dwolla provides ACH-based bank transfer infrastructure with a free base platform. The service requires bank account connections for all users and specializes in bank-to-bank transfers rather than credit card processing. White label API access and premium features carry enterprise pricing, with reported minimums around $5,000/month for custom-branded implementations.

How Dwolla Pricing Compares

Compare Dwolla pricing against top alternatives in Payment Processing.

Adyen $0.13-$0.4/month View pricing → Braintree $0.0259-$0.029/month View pricing → Checkout.com $0.023-$0.029/month View pricing →

All Dwolla Plans & Pricing

Plan Monthly Annual Best For
View all features by plan (compare side-by-side)

Enterprise

  • Pay by Bank
  • Instant Payments
  • Same Day ACH
  • Standard ACH
  • Dwolla Balance
  • Dwolla Connect
  • Industry solutions (Insurance, Lending, Real Estate, Manufacturing, Healthcare)
Try Dwolla Free
Compare Dwolla with alternativesAdjust seats, lock a tier, add up to 2 more products side-by-side. Shareable URL.

Compare Dwolla vs Alternatives

Before committing to Dwolla, compare pricing with these 3 alternatives in the same category.

VSAdyen
From $0.13/month

General users

Compare pricing
VSBraintree
From $0.0259/month

Small to mid-sized businesses

Compare pricing
VSCheckout.com
From $0.023/month

General users

Compare pricing

All Dwolla alternatives & migration guides

What Companies Actually Pay for Dwolla

The median Dwolla buyer pays $374/year based on 20 verified purchase transactions.

What companies actually pay $374/yr Median across 20 community cost mentions
Review scores
Top pricing complaints
Bank account connection requirement creates user frictionWhite label API pricing prohibitively expensive for small businessesMultiple pricing model changes over time
Source: Community cost mentions (Reddit, Hacker News) — aggregated from 20 distinct user reports. Indicative only — not contract-grade data.

How Dwolla Pricing Compares

Software Starting Price Top Price
Dwolla Custom Custom
Adyen $0.13/month $0.4/month
Braintree $0.0259/month $0.029/month
Checkout.com $0.023/month $0.029/month
Square Free $149/month
Stripe Custom Custom

Browse all Payment Processing pricing →

2 Dwolla Hidden Costs Beyond the List Price

Beyond the listed price, Dwolla has at least 2 documented hidden costs that can significantly increase total cost of ownership.

Watch for 2 hidden costs
  • White Label API Premium $5,000/month
    high 2 sources
    Reddit "I actually built a full out solution with Dwolla and then they got back to me saying their pricing isn't fit for my business ($5k a month)."
    Reddit "Dwolla + API is free. It's white label ACH that costs a bunch."
  • Bank Account Connection Requirement 10-20% of license costs
    medium 1 source
    Reddit "Dwolla required all users to connect their bank accounts in order to transact, which was an insurmountable hurdle for a lot of users and wasn't worth the 2% cost savings that merchants pass on to them"
Tip

Ask your Dwolla sales rep about these costs upfront. Getting them in writing before signing can save you from surprise charges later.

Full hidden costs breakdown →

Intelligence sourced from 1 independent sources
Reddit User discussions
Key claims include inline source attribution. Data verified against multiple independent sources. 6 source citations total.

Dwolla Contract Terms

Dwolla contracts do not auto-renew. Changes require advance notice. These terms are sourced from verified buyer experiences.

Contract Terms
Auto-Renewal No
Mid-Term Downgrade Not allowed
Price Escalation Dwolla has restructured pricing multiple times historically, moving from per-transaction to monthly recurring models.
Based on 2 verified sources

Dwolla Pricing FAQ

01 Does Dwolla charge per-transaction fees?

Dwolla's pricing model has evolved significantly. Historically, they charged $0.25 per transaction, then offered free transactions under $10. As of 2021, their base plan charged 0.5% per transaction with a $0.05 minimum and $5 maximum cap. They've shifted from per-transaction to monthly recurring pricing for business features.

02 What does Dwolla's White Label API cost?

The white label ACH API carries enterprise pricing significantly higher than the base platform. Users have reported minimum monthly fees around $5,000 for white label features, making it accessible primarily to larger businesses or those with substantial transaction volumes.

03 Do customers need bank accounts to use Dwolla?

Yes, Dwolla requires all users to connect their bank accounts to transact. This is because Dwolla specializes in ACH (bank-to-bank) transfers rather than credit card processing. This requirement can create friction compared to payment processors that accept credit cards.

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