Compare ProvidersFind the best payment solution for your business
Dwolla
ACH Payments
A US-focused ACH payment API that simplifies bank transfers for platforms and businesses. Dwolla provides programmatic access to ACH, real-time payments, and account verification with straightforward per-transaction pricing. Popular among platforms that need to move money between bank accounts without handling the complexity of direct ACH integration.
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Melio
B2B payments
A B2B payment platform that lets small businesses pay vendors by ACH, check, or credit card even when vendors don't accept cards. Melio simplifies accounts payable by enabling businesses to earn card rewards while paying suppliers who only accept bank transfers. Free for ACH payments with a simple, user-friendly interface.
Visit MelioDetailed Comparison
Side-by-side feature breakdown
$0.25 per transaction
Free ACH, 2.9% cards
7 Available
1 Available
3 Supported
4 Supported
Common Ground
Shared Regions
Shared Features
When to Choose Dwolla
Choose Dwolla if you need features like Instant Sandbox, or you want a broader feature set. With fees of $0.25 per transaction, it's ideal for businesses focused on ach payments.
Frequently Asked Questions
What is the difference between Dwolla and Melio?
Dwolla is best for ach payments, while Melio is best for b2b payments. Dwolla charges $0.25 per transaction and Melio charges Free ACH, 2.9% cards. They differ in supported features, regions, and payment methods.
Which is cheaper, Dwolla or Melio?
Dwolla charges $0.25 per transaction while Melio charges Free ACH, 2.9% cards. The best value depends on your transaction volume, business type, and required features. Compare their full fee structures for your specific use case.
Can I use both Dwolla and Melio together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Dwolla and Melio can complement each other depending on your needs.