Use Dwolla to Accept Payments on Your WooCommerce Store. Dwolla is an online payment gateway that works with your financial institution to offer safer, cheaper, and more efficient payment experiences. It's so cheap that there are no fees! Dwolla is a cash-based payment network, so customers pay your business with cash, which is how 2-7% credit card fees are eliminated. It also uses free tools to monitor incoming transactions on devices you probably already have, such as mobile phones or iPads. Your profits are maximized and your need for PCI compliance is eliminated so that you can focus on growing your business instead of worrying about compliance.