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  • SDK Support
    Drop-in Components
    Knowledge-based Authentication (KBA)
    Beneficial Owners
    OverviewCreate a beneficial ownerRetrieve a beneficial ownerList beneficial ownersUpdate a beneficial ownerRemove a beneficial ownerRetrieve beneficial ownership statusCertify beneficial ownership
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Create a beneficial owner #

This section details how to create a new beneficial owner. To create beneficial owners, you need to collect the beneficial owner's full name, ssn, date of birth, and permanent address. Optionally, passport information must be included for non-US persons that do not have a US issued SSN. Beneficial owners require additional information that will give Dwolla the ability to confirm the identity of the individual.

For more information on how to create a beneficial owner, reference our step by step guide.

HTTP request #

POST https://api.dwolla.com/customers/{id}/beneficial-owners

Request Parameters #

ParameterRequiredTypeDescriptionfirstNameyesstringThe legal first name of the beneficial owner.lastNameyesstringThe legal last name of the beneficial owner.ssnconditionalstringFull nine digits of beneficial owner’s social security number. Required for US persons. If ssn is omitted, passport is required.dateOfBirthYesstringbeneficial owner’s date of birth in YYYY-MM-DD format. Must be between 18 to 125 years of age.addressYesobjectAn address JSON object. Full address of the beneficial owner's physical address.passportconditionalobjectAn optional passport JSON object. Required for non-US persons. Includes passport identification number and country. If passport is omitted, ssn is required.

Address JSON object #

ParameterRequiredTypeDescriptionaddress1yesstringFirst line of the street address of the beneficial owner's permanent residence. Note: PO Boxes are not allowed.address2nostringSecond line of the street address of the beneficial owner's permanent residence. Note: PO Boxes are not allowed.address3nostringThird line of the street address of the beneficial owner's permanent residence. Note: PO Boxes are not allowed.cityyesstringCity of beneficial owner's permanent residence.stateProvinceRegionyesstringUS persons - Two-letter US state abbreviation code of Beneficial Owner’s physical address. For two-letter US state abbreviation reference, check out the US Postal Service guide.
Non-US persons - Two-letter state, province, or region ISO abbreviation code of Beneficial Owner's physical address. For two-letter ISO abbreviation reference, check out the ISO guide.countryyesstringCountry of beneficial owner's permanent residence. Two digit ISO code, e.g. US.postalCodeconditionalstringPostal code of beneficial owner's permanent residence. Should be a five digit postal code, e.g. 50314. Optional if beneficial owner is a non-US person.

Passport JSON object #

ParameterRequiredTypeDescriptionnumberconditionalstringRequired if beneficial owner is a non-US person and has no Social Security number.countryconditionalstringCountry of issued passport.

Request and response #

var customerUrl = 'https://api-sandbox.dwolla.com/customers/07d59716-ef22-4fe6-98e8-f3190233dfb8';
var requestBody = {
  firstName: 'John',
  lastName: 'Doe',
  dateOfBirth: '1970-01-01',
  ssn: '123-56-7890',
  address: {
    address1: '99-99 33rd St',
    city: 'Some City',
    stateProvinceRegion: 'NY',
    country: 'US'
    postalCode: '11101'

  .post(`${customerUrl}/beneficial-owners`, requestBody)
  .then(res => res.headers.get('location')); // => 'https://api-sandbox.dwolla.com/beneficial-owners/FC451A7A-AE30-4404-AB95-E3553FCD733F'

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