Persuading consumers and merchants to shun the traditional way to pay and accept payment for goods and services using plastic remains Dwolla Corp.’s chief goal. But the company also is working to plug some holes in its service.

The Des Moines, Iowa-based startup on Dec.15 introduced an optional line-of-credit feature named Instant that gives users faster access to funds in their Dwolla account instead of having to wait two or three days for funds to arrive from an outside bank account. Such wait times have caused problems for users lacking the necessary funds in a Dwolla account to complete a purchase or person-to-person funds transfer.

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