Dwolla Dwolla basically has ZERO seller protection, so if you sell services, Dwolla can go back 7 years in time and take money back from you for any reason at all, and you have no recourse whatsoever. They will not give you a chance to defend yourself. They will simply remove money from your bank account. Nationwide

 Dwolla has cost us a thousand dollars so far, and potentially more in the future.  A client paid for services that were rendered, and then requested that Dwolla return his money to him, which Dwolla did without so much as notifying us.  Upon speaking with Dwolla representatives (who were not the least bit helpful), we have learned that Dwolla can take funds from our account from as far back as 7 years ago without our consent and without giving us any kind of notification or justification.  We are at the mercy of anyone to whom we have provided services, and are relying on their honesty and integrity,which is a frightening prospect given the nature of human beings and our recent interaction with that former client.

The Dwolla representative first advised us to log on to our accout so that we could access some of the help options, but after being robbed by Dwolla, our account was frozen, so those options were no longer available to us, although the first representative kept insisting that should be our first step.  Finally, a manager spoke with us, and she advised us to go to small claims court where, if we are lucky, we could get maybe half our money back.  She refused to close our account so that we could enure no more money would be stolen from us, and even rudely hung up of course witout having given us any real solutions.  

Please don't use Dwolla.  We are looking at thousands of dollars we earned that could be pulled right back out of our pockets simply because the person who paid us has decided he wants his money back.  It's incredibly unfair.