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.
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.
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 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 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
.
status
of retry
, POST to this link to attempt to correct their identity verification information.personal
or business
has a status
of document
, POST to this link to upload a new color photo document to verify the Customer's identity. If type business
, the controller of the business. Read about Documents.business
has a status
of document
, POST to this link to upload a new color photo document to verify the identity of the business itself. Read about Documents.business
has a status
of document
, POST to this link to upload new color photo documents to verify the identity of the controller of the business as well as the business itself. Read about Documents.business
with a doingBusinessAs
name has a status
of document
, POST to this link to upload a new color photo document containing the DBA name along with the state registered business name to verify the identity of the business itself. Read about Documents.unverified
, personal
, business
, or receive-only
.unverified
, deactivated
, or suspended
. retry
, kba
, document
, verified
, deactivated
, or suspended
. retry
, document
, verified
,deactivated
, or suspended
.unverified
or receive-only
always have this status.personal
or business
can have this status. The initial verification attempt failed because the information provided did not satisfy our verification check. You can make one additional attempt by changing some or all the attributes of the existing Customer with a POST request. If the additional attempt fails, the resulting status will be either document
or suspended
.personal
or business
can have this status. Dwolla requires additional documentation to identify the Customer in the document
status. Read about Documents.personal
or business
can have this status. The Customer is currently verified.suspended
. The Customer is suspended and may neither send nor receive funds. Contact Dwolla support for more information.deactivated
. A deactivated Customer may neither send nor receive funds. A deactivated Customer can be reactivated which moves the Customer to the status they were in prior to being deactivated.{
"_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"
}
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.