Case Study: Qoins achieves scalable, automated, cost-effective monthly ACH payouts with Dwolla

Enabling payouts with ACH

Qoins, a mobile app that rounds users’ purchases and applies the change to pay down debt, needed a scalable, reliable way to distribute funds from users’ verified bank accounts on a monthly basis. Qoins switched to Dwolla because prior pricing and payout processes hindered growth; they required an API-driven, low-cost ACH solution that could integrate seamlessly with their product.

Dwolla delivered its ACH-powered mass payment tool and v2 RESTful API (including webhooks, metadata, branded UI support and easy CSV mass-payout uploads), enabling Qoins to automate monthly disbursements, avoid per-transaction bank debits, and scale without added operational overhead. The integration simplified development, provided dashboard reconciliation and monitoring, and leveraged Dwolla’s high availability and fast processing (thousands of items in minutes), outcomes Qoins’ leadership cited as essential for continued growth.

Qoins