Team Collaboration and Project Planning
Account-to-Account Payment Solutions

Money Movement:

 ACH, Instant

 Payments and

 Payouts Through

 One API
Powered by Dwolla

NMI Money Movement is a payments and payouts API for software platforms and payment providers, combining account-to-account (A2A) payments and Push to Card through one integration. Connect to ACH, Same Day ACH, Instant Payments through the RTP® Network and FedNow® Service, with built-in account verification, digital wallets and payment tracking. Powered by Dwolla (acquired by NMI in 2026) Money Movement helps platforms move money faster without building or managing separate payment infrastructure.

Talk to a Money Movement Expert
One API, More Ways to Move Money

Why Money Movement?

One integration. More ways to move money.

Give your customers more choice over how and when money moves, without building
separate infrastructure for every payment method. Add and manage payment methods

 through the same integration instead of building and maintaining separate connections.
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ACH and Same Day ACH

Send and receive bank payments by ACH. Use standard ACH for lower-cost, everyday transfers like recurring billing and payroll, or Same Day ACH when funds need to arrive the same business day.

Explore Standard ACH Explore Same Day ACH
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Instant Payments

Move money in near real time through the RTP® Network and the FedNow® Service, helping customers access funds faster.

Explore Instant Payments
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Push to Card

Send payouts directly to eligible debit cards in near real time*, giving recipients another fast and convenient way to receive money.

 

*Funds typically arrive within seconds to 30 minutes

Explore Push to Card

Choose the Right Rail to Move Money

Rail Typical Speed Availability Best For
Standard ACH 1–3 business days Business days (excluding
bank holidays) 		Recurring billing, payroll, lower-cost transfers
Same Day ACH Same business day if
submitted before cutoff 		Business days (excluding
bank holidays) 		Time-sensitive bills, payroll fixes
Instant Payments (RTP
Network and FedNow Service) 		Seconds 24/7/365 Instant payouts, loan disbursements
Push to Card Seconds to 30 minutes 24/7/365 Gig earnings, claim payouts, refunds
Built for More Than Moving Money

Account Verification,


Digital Wallets and Payouts

Simplify what happens before, during and after every payment

Moving money is only part of the job. NMI Money Movement brings payment methods, account verification, multi-party flows, payment visibility and operational tools together in one platform.

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Catch Payment Problems Earlier

Open Banking services, including Instant Account Verification and real-time balance checks, help identify invalid or insufficient account details before a payment is sent. That means fewer returns, fewer support tickets and less fraud exposure across your platform. Instant Account Verification alone covers more than 95% of consumer accounts.

Explore Open Banking Services
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Build Complex Money Flows Without Complex Infrastructure

A configurable digital wallet supports marketplace payouts, loan disbursements, repayments and other multi-party flows, all inside the same integration. Virtual Account Numbers open up even more payment flows by providing each wallet with a unique identifier you can use to send and receive payments or to reconcile transactions.

Explore Digital Wallets
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Send Payouts at Scale

Mass Pay lets you initiate multiple bank transfers through a single API request.

Use it for payroll, marketplace seller payouts, gig worker earnings and other high-volume disbursement use cases without creating individual payment calls one at a time. It’s the same logic your operations team already relies on for batch processing, applied to bank payments.

Explore Mass Pay
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See Every Payment, From Initiation to Settlement

Standardized payment status tracking and exception handling work the same way across every rail. Your operations team gets a consistent, real-time view of where a payment stands and a clear resolution path when something goes wrong, instead of manually investigating each failure.

Build Faster with

Developer-Ready tools

Give developers the tools they need to build, test and manage money movement

 
without starting from scratch.

Everything You Need to Build and Scale

  • Drop-in components for common payment experiences
  • Webhooks for automated status updates
  • Sandbox testing for payment flows and edge cases
  • API-first infrastructure built for embedded experiences
  • Dedicated support from onboarding through scale

Security Built for High-Volume Money

 Movement

Protect sensitive payment information with infrastructure designed for high-stakes money movement.

Bank account information is tokenized and encrypted both in transit and at rest, so your systems never need to store raw account details. Role-based access controls add another layer of control across your organization. 

Money Movement is backed by annual SOC 2 Type 2 audits and more than 16 years of security operations.

Compliance and Banking

 Infrastructure Already in Place

Building money movement capabilities isn’t only about connecting to payment rails. It also means managing banking relationships, security and compliance.

NMI Money Movement operates under an established PSP compliance program with proven banking relationships and an FBO account structure.

As a Nacha Preferred Partner, Money Movement gives software platforms and payment providers access to established payment infrastructure without having to build every part of it themselves.

Simplify Payment Operations

Payment Infrastructure Without

 
the Operational Overhead

Spend less time managing payment complexity
Adding another way to move money shouldn’t mean another integration, another

 workflow and another set of exceptions for your team to manage.



With NMI Money Movement, supported payment methods sit behind one API

 
and a consistent operational framework.

That means your teams can:

  • Add new payment options without rebuilding your payment stack
  • Manage payment status and exceptions more consistently
  • Reduce manual reconciliation and investigation
  • Choose the right payment method based on speed, cost and use case
  • Scale from hundreds to millions of transactions without re-architecting your infrastructure

Your developers keep building your product. Money Movement takes care of more of what sits underneath it.

Built for Your Business

Money Movement for Software
Platforms, ISOs and Payment
Providers

Put money movement inside your product
NMI Money Movement is designed for businesses that want to make payments and payouts part of their customer experience without building the underlying infrastructure themselves.

Software Companies

Embed money movement directly into your software 
and give customers more ways to send and 
receive funds.

  • Add ACH, Same Day ACH, Instant Payments and Push to Card through one integration
  • Build payments and payouts into your existing user experience
  • Support complex and multi-party payment flows
  • Reduce operational work with consistent payment tracking and exception handling
  • Scale transaction volume without rebuilding your payment infrastructure

ISOs and Payment Providers

Expand your payment offering with money movement capabilities that complement your existing merchant services.

  • Offer software customers more ways to move money
  • Add bank payments, Instant Payments and Push to Card through one integration
  • Create embedded, white-label payment experiences
  • Reduce the need for separate payment infrastructure and vendors
  • Bring Money Movement together with NMI Gateway, Payments and Merchant Central
Industry Solutions

Built for Industries Where Moving
 Money Is Part of the Product

Support the flows your customers depend on
From collecting payments to distributing funds, Money Movement supports 
industries where moving money quickly, reliably and at scale is central to the 
customer experience.
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Lending

Disburse loan funds faster and manage repayments across ACH and real-time payment rails.

Learn More  →
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Property Management

Manage rent collection, deposits, refunds and owner payouts, replacing checks and wires with trackable digital transfers.

Learn More  →
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B2B Fintech

Move high volumes of vendor and supplier payments with clean reconciliation and fewer manual exceptions.

Learn More  →
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Insurance

Automate claim payouts, reimbursements and premium collections with greater payments visibility, consistent status reporting and fraud controls.

Learn More  →
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Healthcare

Modernize patient billing and provider reimbursements with standardized status tracking and less manual intervention.

Learn More  →
Proven at Scale

Proven Money Movement
Infrastructure

126M+

Annual Transactions

2.5M+

Platform End Users

99.9%

API Uptime

16+

Years of Bank Payment Expertise

95%+

Consumer Account Coverage via
Instant Account Verification

FAQ

Money Movement, powered by Dwolla, is NMI’s account-to-account payment infrastructure. It gives software platforms a single integration for high-volume bank payments across ACH, Same Day ACH, the RTP® Network, the FedNow® Service and Push to Card, along with digital wallet functionality and Open Banking services.

ACH, Same Day ACH, Instant Payments through the RTP® Network and the FedNow® Service, and Push to Card. Open Banking services, including Instant Account Verification and real-time balance checks, are included through the same API.

Money Movement is built for software platforms and payment providers that embed bank payments into their product.

Yes. A configurable digital wallet supports marketplace payouts, loan advances, repayments and other multi-party or multi-step flows, all inside the same integration.

Money Movement operates under an established PSP compliance program, with proven banking relationships, an FBO account structure and Nacha Preferred Partner status.

NMI acquired Dwolla, one of the best-known account-to-account payment infrastructure providers, in 2026. Dwolla’s API-first infrastructure powers Money Movement, bringing more than 16 years of bank payment expertise into the NMI product suite.

Money Movement is the bank payment layer of the NMI product suite. Gateway handles payment acceptance across any method, NMI Payments provides acquiring and processing, and Merchant Central manages the merchant relationship. Together, the four product lines give you a complete payments infrastructure under one relationship.

Your Catalyst for Growth in Embedded Payments

Resources & Insights

Whitepaper The Four Journeys of Software Payments Monetization Read More Whitepaper Build vs. Buy: Core Considerations for Sourcing Your Payments Systems Read More News NMI Acquires Dwolla, Strengthening Its Embedded Payments Platform Read More News NMI Expands Business Capital to Help More Small Businesses Access Financing When They Need It Know More News NMI Launches Embeddable Component Suite to Help Software Platforms and AI Agents Add Payments and Grow Revenue Know More News NMI Research: Consumers Want AI to Help Them Shop, Not Control Their Spending Know More
Ready to get started?

Talk to Our Team

Add bank payments to your platform without building the infrastructure yourself. Talk to a Money Movement expert about ACH, real-time rails and push-to-card payouts, all through one integration.

Talk to a Payments Expert