Case Study: Tophatter achieves efficient ACH merchant payouts with Dwolla

Tophatter Marketplace Pays Out Using the ACH Network

Tophatter, an auction-style e-commerce marketplace where buyers compete in 90‑second auctions, needed an efficient, scalable way to pay high volumes of sellers across multiple countries. Tophatter partnered with Dwolla, using Dwolla’s ACH payment API and Mass Payments (with features like IAV and Next Day ACH) to deliver funds directly into sellers’ bank accounts and streamline merchant onboarding.

Dwolla implemented ACH-based payouts and mass-payment workflows so Tophatter can automatically remit seller proceeds under a single user agreement. The solution supports Tophatter’s high-velocity marketplace—about 100,000 products sold per day to shoppers in 14 countries and a user base exceeding 27 million—reducing onboarding friction for enterprise merchants and enabling fast, reliable payouts that scale with the platform.

Tophatter

Andrew Blachman

President