What provider offers the best way to send ACH payments programmatically through an API?

Automation is prized—the more you effectively automate, the more you can reduce errors and ensure efficiency and accuracy. Better yet, successfully automating a process can free up a ton of time, so you can focus on different tasks and optimizing every aspect of your business.

A process prime for optimization and automation is payments, specifically payouts.

We are (or should be) far beyond writing paper checks—a process that costs businesses about $13 billion annually or $7.15 per check. Additionally, payouts via credit cards can unleash painful hidden fees or added costs, making it scary if you’re not in constant manual monitoring mode.

However, programmatically sending payments via the ACH network has proven effective and efficient for many businesses.

The best provider for programmatic payments isn’t always the cheapest. You’ll want to consider:

  • Ease of integration
  • Cost per transaction
  • Quality of API support

Ease of integration

How quickly and easily can the new API be implemented to deliver payouts programmatically? If a solution has a cumbersome, clunky or outdated API, then it’s not worth the investment of time and money to integrate. Even if this solution proves to be the least expensive upfront, that doesn’t mean it will provide the same return on investment.

Your developers’ time is worth money. That’s imperative to understand (and respect). If your team is busy updating or reintegrating a payments API that’s constantly in-flux, then you’re wasting time and money.

Dwolla has a future-proof technology stack, but don’t take our word for it…the proof is in the integration. Enter, Popular Pays. Popular Pays was able to integrate Dwolla’s new White Label receive-only functionality in two weeks with one developer. A major hallmark for their choosing Dwolla’s White Label ACH APIs over the other competitors was RESTful API that could scale quickly and automate an ACH transfer process for both their accountants (overseeing company payouts) and contractors (receiving payment directly to their bank account).

Cost per transaction

After exploring options for programmatically sending ACH payments, you’ll quickly realize the trend. Most options charge you a per-transaction fee. This per-transaction fee can be burdensome, a punishment for high usage on your platform. Every payout means another fee.

Instead, Dwolla’s customers enter into a custom contract for use of the ACH APIs, based on monthly pricing.

Quality of API support

Payments can be a confusing field to negotiate—lots of players and regulations involved. You’ll want a payment solution who understands the ins and outs of the industry and can provide insight into how you’re performing therein.


Dwolla does this in a few ways. First, we walk through your integration to help you ensure you’re meeting our requirements; you’re not left in the dark, guessing. Second, once in a White Label contract you have access to an account manager as well as an integration specialist. If something comes up that poses a question, simply shoot it our way and we’re happy to help.

Third, Dwolla’s API allows for real-time status updates. These updates and insights into transactions allowed one rental management platform to decrease time spent on manually processing reversals by 90% while simultaneously improving transaction-related communications.

Perhaps the cherry on top of the Dwolla’s API is the Dashboard and Admin, an intuitive interface for managing payments and customers. When you’re sending thousands of payments programmatically, the dashboard beautifully tracks and graphs that progress along the way.


If you’re ready to automate another process and start sending payments programmatically, give us a shout.

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