Customers #

A Customer represents an individual or business with whom you intend to transact with and is programmatically created and managed by a Dwolla Master account via the API. In order for a Dwolla Account to create and manage Customers, an application must obtain permission from Dwolla before being enabled in production. Note: Customers can only be US persons. Business Verified Customers may have non-US Controllers or Beneficial Owners.

Customer types #

With a transfer of money, at least one party must complete the identity verification process, either the sender or the receiver. This can be either the Dwolla Master Account itself or a verified Customer type. Based on your business model and funds flow, it’s your decision about which party completes this process-- you may even want to have both parties complete the identity verification process. A brief description of each Customer type is below, but for a more in-depth overview of each Customer type and what their capabilities are, check out our developer resource article.

A brief description of each Customer type is below, but for a more in-depth overview of each Customer type and what their capabilities are, reference our concept article.

Receive-only Users

Receive-only users are restricted to a "payouts only" funds flow. A receive-only user maintains limited functionality in the API and is only eligible to receive transfers to an attached bank account. This Customer type can only interact with verified Customers and a Dwolla Master Account.

Unverified Customers

Unverified Customers have a default sending transaction limit of \$5,000 per week. A week is defined as Monday to Sunday UTC time. As this Customer is not identity verified, they will only be able to transact with verified Customers or your Dwolla Master Account.

Verified Customers

Verified Customers are defined by their ability to both send and receive money, thus, being able to fit all funds flows. They can also interact with any Customer type and hold a balance funding source within the Dwolla network. Think of the Dwolla balance as a "wallet" which a Customer can send, receive, or hold funds to within the Dwolla network. With no weekly transfer limits, this Customer type is flexible for high transaction volumes.

A verified Customer can be created as a type of either Personal or Business.

Customer links #

Customer resource #

Customer statuses #

{
  "_links": {
    "self": {
      "href": "https://api-sandbox.dwolla.com/customers/9da3aa7c-2524-430b-a751-6dc722735fce",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "customer"
    },
    "receive": {
      "href": "https://api-sandbox.dwolla.com/transfers",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "transfer"
    },
    "edit-form": {
      "href": "https://api-sandbox.dwolla.com/customers/9da3aa7c-2524-430b-a751-6dc722735fce",
      "type": "application/vnd.dwolla.v1.hal+json; profile=\"https://github.com/dwolla/hal-forms\"",
      "resource-type": "customer"
    },
    "edit": {
      "href": "https://api-sandbox.dwolla.com/customers/9da3aa7c-2524-430b-a751-6dc722735fce",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "customer"
    },
    "funding-sources": {
      "href": "https://api-sandbox.dwolla.com/customers/9da3aa7c-2524-430b-a751-6dc722735fce/funding-sources",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "funding-source"
    },
    "transfers": {
      "href": "https://api-sandbox.dwolla.com/customers/9da3aa7c-2524-430b-a751-6dc722735fce/transfers",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "transfer"
    },
    "send": {
      "href": "https://api-sandbox.dwolla.com/transfers",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "transfer"
    }
  },
  "id": "9da3aa7c-2524-430b-a751-6dc722735fce",
  "firstName": "Jane",
  "lastName": "Doe",
  "email": "janedoe@email.com",
  "type": "personal",
  "status": "verified",
  "created": "2016-08-17T18:58:47.630Z",
  "address1": "99-99 33rd St",
  "address2": "Apt 8",
  "city": "Some City",
  "state": "NY",
  "postalCode": "11101",
  "phone": "5554321234"
}