They need to get accepted into the online push/bill pay system. Alot of banks are VERY tight on who they allow to use it.
For years, Paypal was using pull. Finally, only a few years ago they were allowed to use the better system
This just seems so back-ass-wards. They should allow more businesses into the push system because it allows the banks to vet them. Accessing the pull should be the more restrictive option!
I ran into this problem last year. Talked to managers at several different branches (Chase) who kept insisting it was impossible for me to push ACH and that what I actually wanted to do was pay the fee for a domestic wire transfer. Turned out that I had to set up a business account, and pay an additional monthly fee for the ability to initiate ACH transactions.
Dwolla just needs to get rid of the "pull" ACH funding option. This is the most insecure money transmission ever invented by the banks. It's awful. All I need is a printed check from any person, and i can pull money from their account. No PIN, no security, nothing. It should be dropped entirely. "push" type ACH, initiated by logging in to your online bill-pay, is much more secure.
I don't think this is true. You need the bank login/pw to confirm the Dwolla verification deposits. Anyway, eCheck fraud isn't the problem. Bitcoin exchanges are facing this type of online bank fraud (deposit verification + ACH pull) because the bank account log-ins that can do ACH push (like payroll accounts) are defrauded more directly through reloadable debit cards or money mules (
http://krebsonsecurity.com/2012/04/thieves-replacing-money-mules-with-prepaid-cards/).
