I work as a contractor for a nationwide handyman service. The service pays via dwolla and initiates the payment either the day of or the day after a job is complete. It typically take Dwolla three to four days to process the payment and credit it to my account. Then another day or two to process the request to transfer the funds to my bank account. All told, about a full week to get a payment from my employer to my bank. Square Cash and Paypal are almost always next-day. Avoid Dwolla if time is of the essence.