Q37
Do you have a current SOC 2 Type II report?
SOC 2 Type II: claimed_with_trust_page
Dwolla Vendor Risk Assessment — Full Report
Before you share customer data with Dwolla, your compliance team needs documented proof they can be trusted. ThirdProof investigated Dwolla across 27 intelligence sources — here's what we found.
Risk Tier
Tier 3 — Moderate RiskSOC 2
⚠ Vendor AttestedFedRAMP
— Not AuthorizedLast Assessed
Mar 25, 2026🟡IP Reputation: Abuse score: 4%, 2 reports🟡SSL/TLS: TLSv1.3🟢Infrastructure: 13 open ports, 0 CVEs🟢Sanctions: Clear — No matches found
- SOC 2 Status
- Dwolla has a SOC 2 claim detected on their trust page. Claim is vendor-attested — no public registry exists for independent verification.
- Sanctions Screening
- Dwolla returned no matches in OFAC SDN, EU Consolidated, and UN sanctions screening.
- Risk Tier
- ThirdProof assigned Dwolla a Moderate Risk tier with 77% confidence across 27 intelligence sources.
24 sources queried. 77% confidence. Every Dwolla investigation produces both a risk report and an auto-filled security questionnaire — no vendor follow-up required.
Get Dwolla's Full Report Free →5 free investigations|Risk report + auto-filled questionnaire|Avg. 7 minutes
Certification & Compliance Status
Security Questionnaire — Auto-Filled
37 of 133 questions answered for Dwolla
Auto-filled from public evidence • 28% complete
Q41
Are you FedRAMP authorized? At what level?
Not found in FedRAMP marketplace
Source: External Automedium confidence
Q39
Are you PCI DSS compliant? At what level?
CFPB consent order references Dwolla's PCI Security Standards compliance for payment card processing.
Q28
Where is customer data physically stored? In which countries/regions?
Infrastructure detected: Cloudflare
Source: External Automedium confidence
Q111
Is your organization listed on any OFAC sanctions lists?
Not listed on OFAC sanctions lists
Source: External Autohigh confidence
Every investigation produces a full PDF report plus the complete 133-question questionnaire, mapped to SOC 2, HIPAA, PCI DSS, SIG, and more.
Get Dwolla's Full Report Free →◇27 data sources queried per assessment
◷Reports generated in an average of 7 minutes
◈SHA-256 verified for audit integrity
✓Deterministic risk scoring — no AI guesswork
3Tier
Moderate Risk
Dwolla
Vendor Risk Assessment
Confidence Score77%
Based on data availability and source coverage
24
Sources Queried
20
Sources With Data
March 25, 2026
Last Assessed
Executive Summary
AI-generated analysis for Dwolla
Dwolla is a financial payments infrastructure platform providing ACH and real-time bank payment APIs, and has been assigned a Tier 3 (Moderate Risk) rating by ThirdProof's rule engine with a 77% confidence score. Dwolla demonstrates several meaningful positive signals across its security posture:
Key Findings
- The domain carries a clean threat reputation with no blacklist entries on SURBL, Spamhaus DBL, or URLhaus, and no active malware URLs detected.
- The platform's TLS implementation uses TLS 1.3 with AES-256-GCM — a strong, modern cipher configuration — and the certificate is issued by a reputable authority.
- No sanctions matches were identified across OFAC, EU, and UN watchlists, and no SEC enforcement filings were found.
- Malware detection service returned no threats, and the website security scan showed a zero threat score.
- Dwolla publicly claims a SOC 2 Type II report (Security trust principle) on its security page at dwolla.com/security, which is a positive compliance signal for a payments infrastructure vendor. Several areas require attention before finalizing onboarding:
- The marketing site (dwolla.com) received a poor HTTP security grade (D+, 40/100) from HTTP security scanner, with 6 could not be completed security header tests. While the application endpoint (dashboard.dwolla.com) may be separately hardened, buyers should request confirmation.
- Dwolla's TLS certificate expires in approximately 53 days — automated renewal should be confirmed to avoid service disruption.
- The subprocessor page at trust.dwolla.com/subprocessors was found but appears to contain placeholder content with zero extractable entries, representing a material gap for GDPR Article 28 due diligence.
- No publicly accessible AI data usage policy was discoverable, leaving data handling practices for any AI-powered features unconfirmed.
- Historical media records surface a 2016 FTC enforcement action in which Dwolla was fined $100,000 for misrepresenting its data security practices. While this is a decade-old finding, buyers in regulated industries should confirm the corrective measures taken and whether current security claims are supported by audited evidence. Overall, Dwolla presents as an established payments infrastructure vendor with a clean real-time threat posture, but several transparency and documentation gaps — including an incomplete subprocessor list, unverified SOC 2 claim, and absent AI data policy — warrant conditional engagement pending resolution of these items.
Independence Statement
All evidence in this report was independently sourced by ThirdProof from external data systems without vendor participation, notification, or review.
Investigation Findings
3 findings identified for Dwolla
3 medium
medium
Adverse Media Scan Unavailable
A critical data source was unavailable during this investigation. Manual verification is recommended.
Source:Adverse Media Scan (Fallback)
medium
HTTP Security Grade: D+ (Marketing Site)
dwolla.com received a poor grade (D+) from Mozilla HTTP Observatory. Multiple security headers or configurations are missing. Note: This scan was performed on the marketing site (dwolla.com). The application endpoint (dashboard.dwolla.com) may have different security headers. Verify the application domain separately.
medium
AI Data Usage Policy Not Discoverable at Standard Paths
An AI-specific data usage policy was not discoverable for dwolla.com through automated scanning of common policy paths and web search. The vendor may publish relevant data handling commitments in enterprise agreement documents (DPAs, product terms, licensing portals) that are not indexed at standard public URLs. Request the vendor's Data Protection Addendum or AI-specific terms directly.
✓
Security Strengths
20 positive signals verified
✓
No LEI Registry Match (Expected for Most Companies)
Business Registration →✓
No Sanctions Matches Found
Sanctions & Watchlist Screening →✓
Firmographic Data Available
Company Intelligence →✓
Domain Infrastructure Healthy
Domain Analysis →✓
Valid SSL Certificate
Domain Analysis →✓
13 Open Ports Detected
Infrastructure Exposure →✓
Domain Registration Unavailable
Domain Registration →✓
Clean domain reputation
Threat Intelligence →✓
No Hacker News Mentions
Tech Community Sentiment →✓
Certificate Data from TLS Handshake
Certificate Transparency →✓
Web Archive History Unavailable
Web Archive History →✓
Domain in 21 Threat Intelligence Pulses
Threat Intelligence (OTX) →✓
Low Abuse Score: 4% (2 reports)
IP Reputation →✓
Clean Safe Browsing Status
Malware & Phishing Check →✓
Clean Website Security Scan
Website Security Scan →✓
Certification Claimed: SOC 2
Trust & Compliance Page Scan →✓
Subprocessor Page Found (Placeholder)
Supply Chain & Subprocessor Discovery →✓
Not Found as FDIC-Insured Institution
FDIC Institution Check →✓
No SEC Enforcement Filings Found
SEC Filing Search →✓
SOC 2 Compliance Claimed on Trust Page
Certification Registry Verification →Recommended Actions
Steps to address findings for Dwolla
- 1
Request the SOC 2 Type II report and bridge letter: Contact Dwolla's security team and ask for their most recent SOC 2 Type II report (Security trust principle) and a bridge letter covering the period between the audit end date and today. Check trust.dwolla.com first, or email their security contact listed at dwolla.com/security. This is the single most important compliance document for a payments infrastructure vendor.
- 2
Obtain the complete subprocessor list: Contact Dwolla's privacy team at the email listed in their Privacy Policy (dwolla.com/privacy) and request the complete, current subprocessor list. Reference trust.dwolla.com/subprocessors as the intended location. Ask for an estimated date when the page will be fully populated. Evaluate each subprocessor against your organization's third-party risk program.
- 3
Request the DPA and AI data handling terms: Ask Dwolla's legal or sales team for their standard Data Processing Addendum. Review it specifically for AI-related clauses — whether transaction data is used for model training, which AI sub-processors are named, and what opt-out rights exist. If the DPA does not address AI features, request a written statement from their security team.
- 4
Confirm TLS certificate renewal is automated: Send a brief inquiry to Dwolla's security or infrastructure team asking whether their TLS certificate renewal is automated. The certificate (issued by Google Trust Services) expires May 17, 2026 — approximately 53 days from the assessment date. Ask for confirmation once the renewed certificate is issued.
- 5
Request confirmation of HTTP security headers on the application domain: The marketing site (dwolla.com) scored D+ on HTTP security headers. Ask Dwolla to confirm the security header configuration on the application domain (dashboard.dwolla.com) and API endpoints. Request their HTTP security scanner grade for the application domain or ask for a summary of their Content Security Policy, X-Frame-Options, and HSTS configuration at the API layer.
- 6
Review the 2016 FTC enforcement action context: A 2016 TechCrunch article confirms Dwolla was fined $100,000 for misrepresenting its data security practices. Ask Dwolla's security team to briefly summarize the corrective actions taken following that enforcement, and confirm whether those practices are reflected in their current SOC 2 scope. This is particularly important for regulated industry buyers. The original enforcement action is now a decade old and should be weighted accordingly.
Intelligence Sources Queried
24 sources in this assessment
20of 24 sources returned data
IP Reputation
AI Data Usage Policy
Threat Intelligence (OTX)
Certification Registry Verification
Domain Analysis
FDIC Institution Check
Business Registration
Historical Media Search
Tech Community Sentiment
Company Intelligence
HTTP Security Scan
Sanctions & Watchlist Screening
Malware & Phishing Check
SEC Filing Search
Infrastructure Exposure
SSL/TLS Analysis
Supply Chain & Subprocessor Discovery
Trust & Compliance Page Scan
Website Security Scan
Threat Intelligence
Certificate Transparency
Adverse Media Scan (Fallback)
Web Archive History
Domain Registration
Data Coverage Notes
Some data sources may have had limited availability during this assessment. This does not reflect negatively on the vendor.
- Adverse media scan from the primary news monitoring source was unavailable during this assessment. Supplementary historical media search was used and identified one relevant article (2016 FTC enforcement action). Manual adverse media verification is recommended via Google News searches for 'Dwolla' filtered to the past 24 months.
- Domain registration (WHOIS) data was unavailable during this assessment, preventing independent confirmation of domain age, registrar, and registration ownership. Domain age signals could not be evaluated.
- Certificate Transparency log data (Certificate Transparency service) was partially unavailable; subdomain enumeration via CT logs could not be completed. Certificate data was sourced from direct TLS handshake as a fallback, which provides limited subdomain visibility.
- Web archive history data was unavailable during this assessment, preventing independent confirmation of the domain's historical establishment and longevity.
- External cyber risk scoring was not available for this assessment, limiting the ability to benchmark Dwolla's security posture against industry peers using scored methodology.
- The IP identified during scanning (199.60.103.29) resolves to HubSpot CDN infrastructure, suggesting the marketing site is fronted by a CDN. The application infrastructure (dashboard.dwolla.com) and API endpoints were not independently scanned and may have a materially different security posture.
183+
Vendors assessed
98%
Average confidence
<2 min
Time to report
Security & Compliance Profile
28% complete · 37/133 questions answered from public sourcesAre you Dwolla? Claim this profile to complete your security record. Buyers are reviewing this profile now.
Claim this profile →What a ThirdProof assessment covers↓
Sanctions Screening
Is Dwolla on any OFAC, EU, or UN sanctions list? Are any officers or affiliates flagged?
Cyber Risk Assessment
What is Dwolla's security posture? Threat intelligence scanning, known vulnerabilities, and security header analysis.
Business Registration
Is Dwolla a legitimately registered business entity? Corporate status, jurisdiction, and officer verification.
Adverse Media Analysis
Has Dwolla appeared in negative news coverage? Data breaches, lawsuits, regulatory actions, and complaints.
Domain & Infrastructure
Is Dwolla's website secure? TLS configuration, DNS hygiene, security headers, and domain age analysis.
Company Intelligence
What are Dwolla's firmographics? Employee count, industry classification, technology stack, and corporate structure.
Trust & Compliance Verification
Does Dwolla claim SOC 2, ISO 27001, HITRUST, or FedRAMP? ThirdProof scans trust pages for certification claims and cross-references the FedRAMP public registry for independent verification.
Supply Chain & Subprocessor Discovery
Who does Dwolla depend on? ThirdProof discovers subprocessors from vendor-published pages and runs sanctions screening and safe browsing checks against each one.
Regulatory & Financial Filings
Has Dwolla appeared in SEC enforcement filings? Is it associated with any FDIC bank failures? ThirdProof searches regulatory databases with entity verification to confirm attribution.
Full methodology, rule engine, and AI disclosure: /methodology
Seeing this in an audit? ThirdProof lets you investigate Dwolla and every other vendor in your stack — average report time: 7 minutes. Get Dwolla's Full Report Free →
Frequently asked about Dwolla
Does Dwolla have SOC 2 Type II?+
Yes — Dwolla holds SOC 2 (Type II not confirmed). Rated Moderate Risk — subprocessor page incomplete. See all 7 findings →
Is Dwolla on the OFAC sanctions list?+
Dwolla returned no matches in ThirdProof's OFAC SDN, EU Consolidated, and UN sanctions screening as of March 2026.
What is Dwolla's vendor risk tier?+
ThirdProof assigned Dwolla a risk tier of Moderate Risk with 77% confidence based on assessment across 27 intelligence sources as of March 2026.
Can I get an auto-filled security questionnaire for Dwolla?+
Yes. Every ThirdProof investigation of Dwolla produces two deliverables: an audit-ready risk report and a 133-question security questionnaire pre-filled with evidence from 27 independent sources. The questionnaire is mapped to SIG, SOC 2, HIPAA, PCI DSS and 9 other frameworks — answered without sending Dwolla a single email or waiting for a vendor response.
Is Dwolla safe to use as a vendor?+
Dwolla is a payment API vendor that handles organizational data. Safety depends on their current security posture, certification status, and how they handle your specific data. ThirdProof automates this evaluation across 27 intelligence sources — sanctions databases (OFAC, EU, UN), business registration verification, adverse media scanning, and cyber risk assessment — producing a deterministic risk tier with confidence score plus an auto-filled security questionnaire. Run a free investigation to see Dwolla's full risk profile.
Does Dwolla have SOC 2 certification?+
Yes — Dwolla holds SOC 2. Rated Moderate Risk — subprocessor page incomplete. See all 7 findings →
Is Dwolla FedRAMP authorized?+
FedRAMP authorization is relevant for government contractors evaluating payment API platforms. Based on ThirdProof's assessment, Dwolla is not currently listed on the FedRAMP Marketplace. Organizations with federal compliance requirements should verify this directly and consider alternative vendors with FedRAMP authorization where required.
Has Dwolla had any data breaches?+
Data breach history is an important signal for any vendor, particularly payment API platforms like Dwolla that handle organizational data. ThirdProof's adverse media analysis searches multiple news APIs and public records for data breaches, security incidents, lawsuits, regulatory enforcement actions, and financial distress signals. Each finding is linked to its original source with severity classification.
Is Dwolla on any sanctions lists?+
Sanctions screening is standard due diligence for payment API vendors. ThirdProof screens Dwolla against OFAC SDN, consolidated international sanctions lists, and PEP databases. The screening uses entity name verification to reduce false positives. If Dwolla or any associated officers appear on a sanctions list, this triggers automatic escalation to the highest risk tier.
How do I assess Dwolla for vendor risk?+
Assessing Dwolla as a payment API vendor involves verifying SOC 2 Type II and applicable industry standards compliance, reviewing their subprocessor chain, and checking sanctions exposure. ThirdProof automates this across 27 intelligence sources in an average of 7 minutes — no questionnaires or vendor participation required. Your first 5 investigations are free.
How long does a ThirdProof assessment take?+
A ThirdProof assessment completes in an average of 7 minutes. 27 intelligence sources are queried in parallel — sanctions databases, business registries, threat intelligence feeds, certificate transparency logs, and more. The result is a deterministic risk tier with confidence score and audit-ready PDF report.
Is ThirdProof free?+
ThirdProof offers 5 free vendor assessments with no credit card required. Each assessment includes the full report — risk tier, confidence score, individual findings, executive summary, and PDF export. Paid plans start at $399/month for teams that need ongoing vendor monitoring.
Can I use a ThirdProof report as SOC 2 audit evidence?+
Yes. ThirdProof reports are designed to satisfy SOC 2 CC9.2 (vendor risk management) requirements. Each report includes SHA-256 integrity verification, methodology disclosure, source attribution for every finding, and AI content labeling. Auditors can independently verify the report's authenticity and trace each finding to its original source.
How is ThirdProof different from a security questionnaire?+
Security questionnaires require vendor participation, take weeks, and produce self-reported answers. ThirdProof queries 27 independent intelligence sources — no vendor involvement needed. Risk tiers are assigned by a deterministic rules engine (not AI opinion), and every finding links to its original source. You get an audit-ready report in an average of 7 minutes instead of waiting weeks for a questionnaire response.
Also investigate these vendors
Dwolla is in your vendor stack. Can you prove you assessed them?
SOC 2 CC9.2, HIPAA, PCI-DSS, and CMMC all require documented vendor due diligence — not just knowing the answer, but having audit-ready evidence you verified it. Most compliance teams can't produce that documentation on demand.
ThirdProof investigates Dwolla across 27 intelligence sources in an average of 7 minutes — sanctions screening, cyber posture, SOC 2 verification, FedRAMP status, and more. Every investigation produces two deliverables: an audit-ready risk report and an auto-filled security questionnaire your prospects and auditors expect to see.
✓ 5 free investigations✓ Risk report + auto-filled questionnaire✓ No credit card required✓ Average report time: 7 minutes
Replaces $600–$900 in manual compliance consulting time per vendor assessed.