# Dwolla vs Envestnet | Yodlee

| Attribute | Dwolla | Envestnet | Yodlee |
|---|---|---|
| **Vioscale score** | 41.5 (72% (medium)) | 73.9 (8% (low)) |
| deployment.options | `{"cloud":true}` | - |
| description.long | Bank payment infrastructure for platforms and enterprises that automates ACH and real-time payments with standardized status handling and operational visibility across transaction rails. | Yodlee is an enterprise data aggregation platform that powers financial institutions with connections to 19K+ data sources covering 601M+ consumer accounts. |
| features.capabilities | `{"capability":"payments","pci_dss_l1":false,"money_rails":"ACH, FedNow, RTP","card_issuing":false,"baas_accounts":false,"pricing_model":"quote","sdk_languages":"API-based (languages not specified)","multi_currency":false,"target_segment":"platform","soc_attestation":"none","data_aggregation":false,"psd2_open_banking":false,"payments_acquiring":false,"payout_disbursement":true}` | `{"capability":"data_aggregation","geo_coverage":"North America","target_segment":"enterprise","data_aggregation":true,"payments_acquiring":true}` |
| integrations.count | 4 | 19,000 |
| integrations.list | `[{"name":"FedNow Service"},{"name":"RTP (Real-time Payments)"},{"name":"ACH Network"},{"name":"Open Banking"}]` | `[{"name":"Advisor360°"},{"name":"IGG Software"},{"name":"PayPal"}]` |
| platform.support | `{"web":true}` | - |
| pricing | `{"type":"quote","summary":"Custom pricing based on transaction volume, rails, and integration needs","currency":"USD","freeTier":false,"sourceUrl":"https://www.dwolla.com","retrievedAt":"2026-08-03T11:54:27.056Z"}` | - |
| pricing.free_tier | no | - |
| pricing.model | commercial | commercial |
| pricing.price_level | unknown | - |
| pricing.transparent | no | - |
| reliability.sla_pct | 99.9 | - |
| reliability.status_page | yes | - |
| security.soc2 | yes | - |

## Capabilities (Fintech Infrastructure)

| Capability | Dwolla | Envestnet | Yodlee |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Payments/acquiring | Data aggregation |
| **Capabilities** |  |  |
| Payments / acquiring | ✗ | ✓ |
| Card issuing | ✗ | - |
| Banking-as-a-service / accounts | ✗ | - |
| Data aggregation / open banking | ✗ | ✓ |
| Payouts / disbursements | ✓ | - |
| Money movement rails (ACH, RTP, wire, card) | ACH, FedNow, RTP | - |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✗ | - |
| Geographic coverage (countries / regions) | - | North America |
| **Compliance** |  |  |
| PCI DSS Level 1 | ✗ | - |
| SOC 1 / SOC 2 attestation | None / unknown | - |
| PSD2 / Open Banking licensed | ✗ | - |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | API-based (languages not specified) | - |
| **Pricing** |  |  |
| Pricing model | Quote / platform fee | - |
| **Market** |  |  |
| Target segment | Platform / marketplace | Enterprise |

*Source: Vioscale. Generated 2026-09-01T17:32:55.829Z. "-" = undocumented, not absent.*