Differences with the new Horizon Payment Center (October 2018)



In October 2018, we will be transitioning our Dwolla Payment Center from Dwolla's discontinued "Transfer" product to their new "Platform" product.  Most operations will remain the same or very similar, but there are a few changes you'll need to know about.

Here are the major differences you'll see that will affect how you use the Payment Center.

Overall Changes

  • The Payment Center will be rebranded as the Horizon Payment Center.  Dwolla will be only a minor reference when creating an account and accepting their Terms of Service and Privacy Policy.  Terminology such as your Dwolla Balance will be rebranded as your Horizon Balance, etc. Dwolla still powers the platform, but we are now permitted to rebrand the product since we will be controlling the entire experience on our system.

  • All support requests or inquiries will be handled by the Horizon support team. Dwolla will no longer provide support to you directly.  Only the Horizon support team will be able to interact directly with Dwolla, when necessary.  If you attempt to contact Dwolla directly, they will defer you back to us.

  • Notifications regarding any Horizon Payment Center activity will come from Horizon.  Dwolla will no longer send you notifications directly.

  • There are many more email notifications.  We are going to try to prevent these from being too spammy, but the new Horizon Payment Center notifications you receive as well as the content contained within them are required by law and/or required by Dwolla as a condition of utilizing their services.

  • You will no longer be able to login to www.dwolla.com 
    All transactions and activities will be operated through the Horizon Payment Center.


For Payment Senders

  • The signup process for new accounts is much easier and our system will walk you through all the necessary steps.

  • Officials must create an account before you can send them a payment.  Previously, you could send a payment to an official that did not yet have a Dwolla account and the money would wait for the official to "claim" the payment.  This mechanism no longer exists.  Officials must create an account first, then you can send them a payment.

  • Officials must verify their bank account either using instant verification or micro-deposits.  This must be done before they can receive a payment.

  • A new toggle will allow you to "require" a Horizon Payment Center account.  If enabled, officials will be prompted and required to open an account on their next login.

  • You will receive reminders and notifications if you missed a setup step for your account.  Similarly, officials will receive reminders if they missed a setup step.

  • Payments made from a Payroll Report will also mark Payroll Adjustments as Paid, if any exist.  Previously, this functionality only operated on games and assignments.  Payroll Adjustments are now included in this so you don't double-pay or double-deduct a Payroll Adjustment.  Once a Payroll Adjustment has been included in a Payment Center Payment, it will be marked "Paid" (regardless of positive or negative adjustment).

  • Failed or cancelled payments will mark associated games, assignments and payroll adjustments as Unpaid.  Previously, games and assignments would still be marked Paid even if the payment failed or was cancelled.  Now those associated games, assignments and payroll adjustments will be properly marked Unpaid since the payment failed or was cancelled.

  • Dwolla no longer provides a "Clearing Date".  Instead, an "Estimated Arrival" date will be displayed, which will always be +5 business days from the initiated date.  In most instances, the payment will arrive sooner than this, but this date can be used as an estimate.  You and the receiver will receive an email notification once we've received confirmation that the payment has arrived to the destination and the status will updated to "Processed" in the Horizon Payment Center.

  • Payment Senders may optionally opt to use "Same-Day" transfers if they are funding the transfer from their Horizon Balance.  This accelerated service is available at an additional fee.  Senders that issue a stop payment or reversal on same-day transfers will lose the ability to use this feature.
  • It is now recommended to fund your Horizon Balance ahead of time.  It's still not required, but we recommend funding your balance to enable additional functionality.  Previously, we recommended not to fund your Dwolla Balance, but the new processes operate much more efficiently if you fund your Horizon Balance ahead of time.  It's optional, though.  With that being said, you should be advised that THE FUNDS HELD IN DWOLLA'S HOLDING ACCOUNT MAY NOT BE ELIGIBLE FOR SHARE INSURANCE OFFERED BY THE NATIONAL CREDIT UNION SHARE INSURANCE FUND. IN THE EVENT OF A FINANCIAL INSTITUTION PARTNER RECEIVERSHIP, YOU MAY LOSE VALUE.


For Payment Receivers

  • The sign up process is now super easy and fast!

  • You must create a Horizon Payment Center account before you can be issued a payment.

  • You must add & verify a bank account before you can be issued a payment.  Verification can be done using the instant verification or using micro-deposits.

  • You will receive reminders and notifications if you missed a step.

  • If you're transferring from the older Dwolla platform, your bank account must be verified before receiving further payments.  This is new for Payment Receivers.  After transferring your old account to the new platform, you'll need to verify your account either by removing & re-adding your bank through the instant verification method or by initiating micro-deposits to your bank account and verifying a few days later after receiving the micro-deposits. 

  • Dwolla no longer provides a "Clearing Date". Instead, an "Estimated Arrival" date will be displayed, which will always be +5 business days from the initiated date. In most instances, the payment will arrive sooner than this, but this date can be used as an estimated reference. You and the receiver will receive an email notification once we've received confirmation that the payment has arrived to the destination and the status will update to "Processed" in the Horizon Payment Center.  


The Transition Process

We will gradually enable the transition eligibility for accounts during October and November 2018.  Once your account is eligible to be transitioned to the new platform, you will receive an onscreen pop-up message from the system indicating that it's time to transfer your account.  Payment Senders may defer this for a few days if they are not ready, but it's best to do this right away.  Payment Receiver accounts cannot be deferred and must transition immediately when prompted before they can access the rest of the system.  

Payment Receivers can transfer anytime without any big effects and are encouraged to do so as soon as it's available to them.  They will temporarily have both an "old" account and a "new" account.  They may continue to receive payments on either platform for a brief period until the Payment Sender decides to transition their account.  Once the Payment Receiver transitions their account to the new platform, transactions will only be processed on the new platform and access to the old platform will be terminated.  Payment Receivers must verify their bank account either through instant verification or through micro-deposits before they can receive payments on the new platform.  This should be done right away to avoid interruptions and can be done ahead of time before Payment Senders transition so that their receiving accounts are ready to go when the Payment Sender decides to transition.

The old and the new platforms are *not* connected so once the Payment Sender has transitioned, they will *not* be able to issue payments to officials that are still on the old platform.  Officials must transition to the new platform to continue receiving payments.


Pricing Information

  • Transaction pricing will remain at $0.85 per payment issued, with no change.

  • Payments that are reversed for insufficient funds or clerical errors will be subject to a $15 reversal fee.  The Horizon Payment Center account will also be temporarily disabled until this payment is made. Multiple instances of this can result in suspension of your Horizon Payment Center account.  You must ensure there are adequate funds available to cover your payments before issuing them to avoid extra fees and/or suspension of your Horizon Payment Center account.

  • Accounts that are suspended systematically and/or manually by us or Dwolla for violations will be subject to a $35 account reactivation fee.  Usually, a suspended account is caused by submitting fraudulent documentation and/or submitting stop payments or fraud claims against our transactions.  Depending on the scenario, a security deposit may be required from you to continue using the services and/or your transaction limits and volumes may be lowered and/or limited.

  • Payments that are reversed as a stop payment, legal action, fraud claim or other serious infraction will be subject to both the $15 reversal fee and a $35 account reactivation fee.  Multiple offenders of this will result in the inability to continue using the Horizon Payment Center.  Depending on the scenario, a security deposit may be required from you to continue using the services and/or your transaction limits and volumes may be lowered and/or limited .


Future Enhancements Planned

The new platform will allow us much greater flexibility in the services we can provide in this industry.
  • Access for schools and teams to pay officials directly through the Horizon Payment Center is anticipated to be offered in 2019.
  • Access for officials to send payments in addition to receiving payments is also expected to be added in the future.





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