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wamo

wamo

Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.

VS

Dwolla

ACH Payments

Dwolla
Fees from
Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions. vs From $0.05 per transaction
Features

0 shared

6 unique to Dwolla
Regions

0 shared

1 unique to Dwolla
Pay methods

2 shared

7 unique to wamo · 2 unique to Dwolla
On settlement

wamo settles in Next business day; Dwolla settles in 1–3 business days. Verify directly with each provider before signing.

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Show full specs
6 features · 11 payment methods · 1 regions. We don't rank these — they're here for reference.
wamo wamo
Dwolla Dwolla
Quick Facts
Fees
Standard transaction rate
Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.
From $0.05 per transaction
Settlement
Time to receive funds
Next business day
1–3 business days
Founded
—
2008
Headquarters
—
Des Moines, Iowa, United States
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
Dwolla leads (6 vs 0)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Instant Sandbox Unique
—
✓
Low Fees Unique
—
✓
Recurring Payments Unique
—
✓
Startup Friendly Unique
—
✓
Payment Methods
wamo leads (9 vs 4)
Ach Unique
—
✓
Bank Transfer
✓
✓
Debit Card
✓
✓
Invoice Unique
✓
—
Pos Unique
✓
—
Sepa Unique
✓
—
Sepa Instant Unique
✓
—
Swift Unique
✓
—
Virtual Card Unique
✓
—
Visa Unique
✓
—
Wire Transfer Unique
—
✓
Regions
Dwolla leads (1 vs 0)
North America Unique
—
✓

wamo is best when you...

Small and mid-sized businesses and self-employed people in the EEA (and companies in the UK) who want a multi-currency business account with Visa cards and an integrated in-person POS terminal.
View wamo

Dwolla is best when you...

ACH Payments
Need Enterprise
Not available with wamo
Need Instant Payout
Not available with wamo
Want coverage in North America
wamo doesn't cover this region
View Dwolla

Frequently Asked Questions

What is the difference between wamo and Dwolla?
They share 2 payment methods and 0 regions. wamo adds Invoice, POS, SEPA and 4 more that Dwolla does not list; Dwolla adds ACH, Wire Transfer that wamo does not list; Dwolla also covers North America; only Dwolla offers Enterprise, Instant Payout and 4 more.
Which is cheaper, wamo or Dwolla?
wamo has published rates from Freemium €0/month: No setup fee; Business Account with EU IBAN; 1 physical + 1 virtual Visa card included; €0.99 per local transfer; 2.19% per ATM withdrawal. Smart €10/month per user, billed annually: 1 physical + 2 virtual Visa cards included; 20 free transfers/month; ATM withdrawals: 2 free/month, 5 with annual plan; €5,000/month commission-free local POS transactions. Pro €29/month per user, billed annually: 5 physical + 100 virtual Visa cards included; 50 free transfers/month; ATM withdrawals: 4 free/month, 10 with annual plan; €7,000/month commission-free local POS transactions.; Dwolla has published rates from From $0.05 per transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use wamo and Dwolla?
wamo lists 0 regions and 9 payment methods; Dwolla lists 1 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do wamo and Dwolla compare on integration and settlement?
Dwolla offers a sandbox, wamo does not list one; Dwolla supports webhooks; wamo settles in Next business day, Dwolla in 1–3 business days.

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