Which payment method operates using bank accounts directly, not linking to credit cards?

Dwolla is a payment method specifically designed to facilitate transactions directly between bank accounts without linking to credit cards. It utilizes the Automated Clearing House (ACH) network, which allows for electronic transfer of money directly from one bank account to another. This characteristic makes it distinct from other options such as PayPal and Stripe, which often allow or encourage funding through credit cards or other payment forms.

While PayPal and Stripe can facilitate bank transfers, they do so primarily through accounts that are usually funded by credit cards or linked to such payment methods. Credit card processing, as the term suggests, is inherently focused on credit card transactions and does not interact directly with bank accounts for the transactional process.

By focusing on direct bank account interactions, Dwolla streamlines transactions for users who prefer to avoid credit card fees and want straightforward bank-to-bank transfers, making it a suitable option for many businesses and individuals seeking simpler payment solutions.