Zero Chargebacks
Protected settlement. Funds clear directly from the financial institution with instant confirmation, eliminating post-fulfillment disputes.
Low Flat-Rate Pricing
Replace variable 2.5%–3.5% interchange fees with transparent, flat-fee pricing tailored for debt consolidation margins.
Sub-Second Webhooks
Automate user account updates, order fulfillment, and ledger balancing via instant REST API webhooks.
Feature Comparison
| Payment Metric | Our Interac API | Credit Cards | Traditional EFT / PAD |
|---|---|---|---|
| Processing Cost | Low Flat Fee | 2.5% – 3.5%+ | Variable / Batch Fee |
| Settlement Speed | Next business day | 1–3 Business Days | 3–5 Business Days |
| Chargeback Risk | Zero Risk | High Risk | Medium (NSF / Disputes) |
Calculate Your Fee Savings
Estimated Annual Savings vs. Credit Card (3%): $14,400 CAD
Integration Example (cURL)
curl --request POST "https://paymentsapi.dwello.com/api/Request/Create" \
--header "Content-Type: application/json" \
--header "X-API-KEY: DP-your-api-key" \
--data '{
"referenceNumber": "invoice-1042",
"debtorFirstName": "Avery",
"debtorLastName": "Martin",
"debtorEmailAddress": "avery@example.ca",
"bankToken": "your-verified-bank-token",
"languagePreference": "en",
"endCreditorName": "Example Company Inc.",
"amount": 125.00,
"emailBody": "Payment for invoice 1042.",
"idempotencyToken": "invoice-1042"
}'