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.
POST https://api.dwolla.com/customers/{id}/beneficial-owners
Parameter | Required | Type | Description |
---|---|---|---|
firstName | yes | string | The legal first name of the beneficial owner. |
lastName | yes | string | The legal last name of the beneficial owner. |
ssn | conditional | string | Full nine digits of beneficial owner’s social security number. Required for US persons. If ssn is omitted, passport is required. |
dateOfBirth | Yes | string | Beneficial owner’s date of birth in YYYY-MM-DD format. Must be between 18 to 125 years of age. |
address | Yes | object | An address JSON object. Full address of the beneficial owner's physical address. |
passport | conditional | object | An optional passport JSON object. Required for non-US persons. Includes passport identification number and country. If passport is omitted, ssn is required. |
Parameter | Required | Type | Description |
---|---|---|---|
address1 | yes | string | First line of the street address of the beneficial owner's permanent residence. Note: PO Boxes are not allowed. |
address2 | no | string | Second line of the street address of the beneficial owner's permanent residence. Note: PO Boxes are not allowed. |
address3 | no | string | Third line of the street address of the beneficial owner's permanent residence. Note: PO Boxes are not allowed. |
city | yes | string | City of beneficial owner's permanent residence. |
stateProvinceRegion | yes | string | US 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. |
country | yes | string | Country of beneficial owner's permanent residence. Two digit ISO code, e.g. US . |
postalCode | conditional | string | Postal 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. |
Parameter | Required | Type | Description |
---|---|---|---|
number | conditional | string | Required if beneficial owner is a non-US person and has no Social Security number. |
country | conditional | string | Country of issued passport. |
// Using dwolla-v2 - https://github.com/Dwolla/dwolla-v2-node
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'
}
};
dwolla
.post(`${customerUrl}/beneficial-owners`, requestBody)
.then(res => res.headers.get('location')); // => 'https://api-sandbox.dwolla.com/beneficial-owners/FC451A7A-AE30-4404-AB95-E3553FCD733F'
Use sandbox environment to test API requests.
All funds transfers made using the Dwolla Platform are performed by a financial institution partner, and any funds held in a Dwolla Balance are held by a financial institution partner. Learn more about our financial institution partners.