Dwolla, a U.S.-based leader in account-to-account (A2A) payments, has announced the integration of the Federal Reserve’s FedNow® Service into its platform through its banking partner, complementing existing support for The Clearing House’s RTP® network. This expansion enables intelligent payment orchestration between the two real-time rails, increasing reach, flexibility and performance for businesses navigating the modern financial landscape.
One API, Two Real-Time Networks, Unlimited Possibility
With 80% of enterprises expected to adopt real-time payments by 2026, the need for broad coverage and simplified access is apparent. Dwolla now offers seamless connectivity to both major U.S. instant payment networks through a single API, reducing the friction of integrating and managing multiple payment protocols.
Dwolla’s orchestration engine intelligently assesses transaction parameters, including network eligibility and institutional participation, and automatically routes payments via RTP or FedNow to optimize speed, cost and delivery assurance.
“As businesses face increasing pressure to deliver immediate payments, seamless access to multiple real-time payment networks is critical,” said Dave Glaser, CEO of Dwolla. “By supporting both the FedNow Service and RTP and orchestrating between them, we equip businesses with the tools to simplify payments, enhance cash flow and improve operational efficiency.”
Engineered for Enterprise Simplicity
Dwolla’s approach abstracts the underlying complexity of real-time networks. Key benefits of this multi-rail architecture include:
- Broader Coverage: The FedNow Service adds over 1,400 financial institutions to Dwolla’s instant payment network.
- Built-In Redundancy: Payments can automatically reroute between RTP and FedNow when either network is experiencing delays.
- Unified Interface: Businesses interact with a single API, eliminating the need for multiple integrations or reconciliation workflows.
- Operational Transparency: Real-time observability and tracking support better visibility, reconciliation and financial planning.
- Improved Liquidity: Funds settle within seconds, enabling more agile cash flow management.
“Dwolla’s access to both the FedNow Service and the RTP network represents a significant step toward realizing the full potential of faster payments in the United States,” said Reed Luhtanen, Executive Director and CEO of the U.S. Faster Payments Council. “By leveraging intelligent routing and multi-rail orchestration, Dwolla is making it easier for businesses to access the benefits of real-time payments, greater speed, transparency and efficiency.”
Lowering Barriers to Real-Time Adoption
Dwolla’s API-first architecture and normalization layer abstract away the operational nuances between instant payment networks, enabling businesses to automate eligibility checks, reduce manual effort and streamline settlement without sacrificing control.
“We’re excited to see how organizations like Dwolla are finding efficient and effective ways to leverage the FedNow Service,” said Mark Gould, Chief Payments Executive for Federal Reserve Financial Services. “By advancing real-time transactions, this type of private-sector adoption plays a vital role in advancing the nation’s payment infrastructure.”
Future-Proofing Enterprise Payment Strategy
Dwolla’s multi-rail orchestration unlocks more than just speed, it enables strategic agility. Real-time payments transmit richer data payloads, empowering finance teams with actionable insights and laying the groundwork for AI-driven reconciliation, fraud detection and real-time treasury analytics.
With this enhancement, Dwolla maintains its position at the forefront of embedded finance, offering enterprise-ready infrastructure that turns payment complexity into opportunity.
