# Choosing correct API

**URL:** <https://discuss.dwolla.com/t/choosing-correct-api/7134>\
**Category:** API Support\
**Created:** [May 31, 2021, 6:53pm UTC](https://discuss.dwolla.com/t/choosing-correct-api/7134 "2021-05-31T18:53:19Z")\
**Posts on this page:** 6\
**Page:** 1

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**Author:** ![mjp1271994](https://sea2.discourse-cdn.com/dwolla/user_avatar/discuss.dwolla.com/mjp1271994/32/3056_2.png) [@mjp1271994](https://discuss.dwolla.com/u/mjp1271994)\
**Post date:** [May 31, 2021, 6:53pm UTC](https://discuss.dwolla.com/t/choosing-correct-api/7134/1 "2021-05-31T18:53:19Z")

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Hi, can we use Dwolla API for transferring money from one bank account to another bank account in **real-time**?

If yes, then **which type of payment API** should I go with?

Thanks…

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**Author:** ![kmoreira](https://sea2.discourse-cdn.com/dwolla/user_avatar/discuss.dwolla.com/kmoreira/32/2718_2.png) [@kmoreira](https://discuss.dwolla.com/u/kmoreira)\
**Post date:** [June 1, 2021, 9:36pm UTC](https://discuss.dwolla.com/t/choosing-correct-api/7134/2 "2021-06-01T21:36:45Z")

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Hi @mjp1271994

We do not support bank-to-bank rtp transactions at this time. However, if an rtp transfer from Dwolla balance to bank is something that would still be useful for your use case, you can find an example on how to do this [here](https://developers.dwolla.com/concepts/real-time-payments#initiating-an-rtp-credit-transfer)

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**Author:** ![mjp1271994](https://sea2.discourse-cdn.com/dwolla/user_avatar/discuss.dwolla.com/mjp1271994/32/3056_2.png) [@mjp1271994](https://discuss.dwolla.com/u/mjp1271994)\
**Post date:** [June 2, 2021, 3:58pm UTC](https://discuss.dwolla.com/t/choosing-correct-api/7134/3 "2021-06-02T15:58:58Z")

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Hi, thanks for your response.

So if my portal has 2 customers and dwolla has their verified account details then can dwolla transfer amount from one customer bank account to another customer’s bank account?

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**Author:** ![kmoreira](https://sea2.discourse-cdn.com/dwolla/user_avatar/discuss.dwolla.com/kmoreira/32/2718_2.png) [@kmoreira](https://discuss.dwolla.com/u/kmoreira)\
**Post date:** [June 2, 2021, 4:34pm UTC](https://discuss.dwolla.com/t/choosing-correct-api/7134/4 "2021-06-02T16:34:06Z")

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Hi @mjp1271994

As long as both verified customers have verified bank accounts and it is not an rtp transaction, yes.

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**Author:** ![mjp1271994](https://sea2.discourse-cdn.com/dwolla/user_avatar/discuss.dwolla.com/mjp1271994/32/3056_2.png) [@mjp1271994](https://discuss.dwolla.com/u/mjp1271994)\
**Post date:** [June 2, 2021, 4:39pm UTC](https://discuss.dwolla.com/t/choosing-correct-api/7134/5 "2021-06-02T16:39:32Z")

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Ohh ok, so if I go with ACH transfer and if I send 100$ from account1 to account2 then how much time will it take to reflect credit transaction in account2?

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**Author:** ![kmoreira](https://sea2.discourse-cdn.com/dwolla/user_avatar/discuss.dwolla.com/kmoreira/32/2718_2.png) [@kmoreira](https://discuss.dwolla.com/u/kmoreira)\
**Post date:** [June 2, 2021, 4:48pm UTC](https://discuss.dwolla.com/t/choosing-correct-api/7134/6 "2021-06-02T16:48:40Z")

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With a standard transfer, funds are held 3-4 business days in case of a return code trigger. This article of ACH transfer times breaks it down for all other transfer types:

[https://www.dwolla.com/resources/understanding-payment-transfer-timelines/](https://www.dwolla.com/resources/understanding-payment-transfer-timelines/)