Operational Notifications #
When using Dwolla’s white-label API, your application is responsible for all interactions to your end users. You decide how to customize the payments experience end-to-end, which includes taking on the required delivery of notifications to end users for their account and payment activity. By default, Dwolla provides functionality via Operational Notifications and sends email notifications to your end users on your behalf. When actions occur within the Dwolla Network on a resource (Customers, Transfers, etc.), events are created to record those changes. Dwolla systematically delivers an email using the email address tied to the creation of a Customer when an applicable event occurs.
Operational notification events #
Email notifications are sent to your end users when they complete the activities focused on the following key functions in your application (powered by the Dwolla Platform) or via the Dwolla Dashboard:
- Customer creation
- Bank account management and validation
- Money added to a balance
- Money withdrawn from a balance
- Money sent to another end user (or your company)
- Money received from another end user (or your company)
- Customer verification and suspension
A full list of events are listed below. Please review to ensure you know when your users will receive notifications via Operational Notifications. In addition to the email notifications listed in this article, further communications, per Dwolla’s requirements and your own application’s functionality, will need to be sent by you to your end users. Please contact your Integration Manager with questions specific to your integration and recommended (or required) emails.
Customization #
When configuring Operational Notifications, there are several items that can be customized to your business. Below is a list of the items that you can currently customize:
Example:
Your Business NameExample:
yourbusinessname@dwolla.comExample:
support@yourbusinessname.comExample:
www.yourbusinessname.comExample:
123 Main Street, Des Moines, IA 50309Support email isn't provided. The phone number that will show up in the support section, defaulted to the account phone number.Example:
"If you have any questions or concerns please contact support at 555-555-5555."Support phone isn't provided. The email address that will show up in the support section, optional and defaults to the account email address.Example:
"If you have any questions or concerns please contact support at support@yourbusinessname.com."Example email template
An example email template is shown below for a payment initiated email. At the present time, only the information listed in the customization section can be edited. Emails are viewable within the Dwolla Dashboard upon delivery attempt to your customers.
List of emails by type #
Dwolla will systematically deliver emails for a subset of events existing in the API. As API enhancements are made, Dwolla may add new emails at any point in the future.
Customer account emails #
Customers #
Email topic Name
customer_created
Email subject and body
Subject: Account Created
Hello {CustomerName},
Congrats! Your {AccountName} account was successfully created.
By creating a {AccountName} account you have also agreed to the Dwolla Terms of Service and Privacy Policy,
and opened a Dwolla account.
Email topic name
customer_verified
Email subject and body
Subject: Account Verified
Hello {CustomerName},
Your account has been successfully verified!
Email topic name
customer_suspended
Email subject and body
Subject: Account Suspended
Hello {CustomerName},
Your account has been suspended.
Email topic name
customer_verification_document_needed
Email subject and body
Subject: Verification Document Required
Hello {CustomerName},
Additional documentation is required to verify your account. Please login to upload a document.
Email topic name
customer_verification_document_uploaded
Email subject and body
Subject: Verification Document Uploaded
Hello {CustomerName},
Your document was successfully uploaded. You will receive another email when the document has been reviewed.
It will either be approved or rejected.
Email topic name
customer_verification_document_approved
Email subject and body
Subject: Verification Document Approved
Hello {CustomerName},
The document you uploaded for account verification was approved.
Email topic name
customer_verification_document_failed
Email subject and body
Subject: Verification Document Failed
Hello {CustomerName},
A document you uploaded for account verification was rejected. Please login to your account and upload another document.
Email topic name
customer_reverification_needed
Email subject and body
Subject: Verification Required
Hello {CustomerName},
Thank you for choosing {AccountName}. While you have started to create an account, more information is needed in order
to verify your account. Please visit the {AccountName} application to complete your account registration.
Funding sources #
Email topic name
customer_funding_source_added
Email subject and body
Subject: Funding Source Added
Hello {CustomerName},
"{BankAccountNickName}" was added to your {AccountName} account. Here are the details:
Bank Name: {FinancialInstitutionName}
Account: {BankAccountNickName}
Date: {Timestamp}
{#OnDemandAuthPresent}
You've agreed that future payments initiated through {AccountName}'s application will be processed by the
Dwolla payment system using the bank account identified above and, if you want to cancel this, please
contact support at {SupportEmail} or {#SupportPhone}.
{/OnDemandAuthPresent}
Email topic name
customer_funding_source_verified
Email subject and body
Subject: Funding Source Verified
Hello {CustomerName},
"{BankAccountNickName}" was verified on {Timestamp}.
Email topic name
customer_funding_source_removed
Email subject and body
Subject: Funding Source Removed
Hello {CustomerName},
"{BankAccountNickName}" was removed from your {AccountName} account on {Timestamp}.
Email topic name
customer_microdeposits_added
Email subject and body
Subject: Micro-deposits Initiated
Hello {CustomerName},
Two micro-deposits were initiated to your bank account. Here are the details:
Bank Name: {FinancialInstitutionName}
Account: {BankAccountNickName}
Date: {Timestamp}
Email topic name
customer_microdeposits_completed
Email subject and body
Subject: Micro-deposits Completed
Hello {CustomerName},
Two micro-deposits were successfully processed. Here are the details:
Bank Name: {FinancialInstitutionName}
Account: {BankAccountNickName}
Date: {Timestamp}
Please check your bank account for two, less than $.20, micro-deposit amounts.
You can complete the verification process within the {AccountName} application.
Email topic name
customer_microdeposits_failed
Email subject and body
Subject: Micro-deposits Failed
Hello {CustomerName},
The transfer of two micro-deposits sent to your bank account failed. Here are the details:
Bank Name: {FinancialInstitutionName}
Account: {BankAccountNickName}
Date: {Timestamp}
Transfers #
Email topic name
customer_money_sent
Email subject and body
Subject: Payment Initiated
Hello {CustomerName},
A payment was initiated to {OtherPartyName}. Here are the details of this payment:
Source: {FundingSource}
Recipient: {OtherPartyName}
Amount: {Amount}
Date Initiated: {Timestamp}
Email topic name
customer_money_sent_failed
Email subject and body
Subject: Payment Unsuccessful
Hello {CustomerName},
Your payment to {OtherPartyName} was unsuccessful. Here are the details of this payment:
Source: {FundingSource}
Recipient: {OtherPartyName}
Amount: {Amount}
Date Failed: {Timestamp}
Email topic name
customer_money_sent_cancelled
Email subject and body
Subject: Payment Cancelled
Hello {CustomerName},
Your payment to {OtherPartyName} was cancelled. Here are the details of this payment:
Source: {FundingSource}
Recipient: {OtherPartyName}
Amount: {Amount}
Date Cancelled: {Timestamp}
Email topic name
customer_money_received
Email subject and body
Subject: Payment Pending
Hello {CustomerName},
A payment was initiated from {OtherPartyName}. Here are the details of this payment:
Source: {OtherPartyName}
Destination: {FundingSource}
Amount: {Amount}
Date Initiated: {Timestamp}
Email topic name
customer_money_received_completed
Email subject and body
Subject: Payment Successful
Hello {CustomerName},
A payment from {OtherPartyName} has completed. Here are the details of this payment:
Source: {OtherPartyName}
Destination: {FundingSource}
Amount: {Amount}
Date Completed: {Timestamp}
Email topic name
customer_money_received_cancelled
Email subject and body
Subject: Payment Cancelled
Hello {CustomerName},
A payment from {OtherPartyName} was cancelled. Here are the details of this payment:
Source: {OtherPartyName}
Destination: {FundingSource}
Amount: {Amount}
Date Cancelled: {Timestamp}
Email topic name
customer_money_received_failed
Email subject and body
Subject: Payment Unsuccessful
Hello {CustomerName},
A payment from {OtherPartyName} was unsuccessful. Here are the details of this payment:
Source: {OtherPartyName}
Destination: {FundingSource}
Amount: {Amount}
Date Failed: {Timestamp}
Email topic name
customer_money_added
Email Subject and Body
Subject: Money Added
Hello {CustomerName},
An ACH transfer was initiated into your {AccountName} balance. Here are the details of this payment:
Source: {FundingSource}
Destination: {Destination}
Amount: {Amount}
Date Initiated: {Timestamp}
Email topic name
customer_money_add_completed
Email subject and body
Subject: Add to Balance Completed
Hello {CustomerName},
An ACH transfer into your {AccountName} balance has cleared. Here are the details of this payment:
Source: {FundingSource}
Destination: {Destination}
Amount: {Amount}
Date Cleared: {Timestamp}
Email topic name
customer_money_add_cancelled
Email subject and body
Subject: Add to Balance Cancelled
Hello {CustomerName},
An ACH transfer into your {AccountName} balance was cancelled. Here are the details of this payment:
Source: {FundingSource}
Destination: {Destination}
Amount: {Amount}
Date Cancelled: {Timestamp}
Email topic name
customer_money_add_failed
Email subject and body
Subject: Add to Balance Failed
Hello {CustomerName},
An ACH transfer failed to clear into your {AccountName} balance. Here are the details of this payment:
Source: {FundingSource}
Destination: {Destination}
Amount: {Amount}
Date Failed: {Timestamp}
Email topic name
customer_money_withdrawn
Email subject and body
Subject: Money Withdrawn
Hello {CustomerName},
An ACH transfer was initiated out of your {AccountName} balance. Here are the details of this payment:
Source: {FundingSource}
Destination: {Destination}
Amount: {Amount}
Date Initiated: {Timestamp}
Email topic name
customer_money_withdrawal_cancelled
Email subject and body
Subject: Withdrawal Cancelled
Hello {CustomerName},
An ACH transfer out of your {AccountName} balance was cancelled. Here are the details of this payment:
Source: {FundingSource}
Destination: {Destination}
Amount: {Amount}
Date Cancelled: {Timestamp}
Email topic name
customer_money_withdrawal_failed
Email subject and body
Subject: Withdrawal Failure
Hello {CustomerName},
An ACH transfer out of your {AccountName} balance was unsuccessful. Here are the details of this payment:
Source: {FundingSource}
Destination: {Destination}
Amount: {Amount}
Date Failed: {Timestamp}
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Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to our financial institution partners.
Dwolla is an agent of Veridian Credit Union. All ACH and Wire transfers are performed by Veridian Credit Union. Your Dwolla Balance, if any, is held in one or more pooled holding accounts held by Veridian Credit Union. These funds may not be eligible for share insurance by the National Credit Union Share Insurance Fund.
Sponsorship and Settlement of Push-to-Debit payment services provided by MetaBank®, N.A.
Push-to-Debit payments are typically available within 30 minutes.
Real-Time Payments are performed by Cross River Bank, which holds funds on behalf of the Receiver of such transactions in one or more pooled custodial accounts. These funds are not subject to FDIC pass-through deposit insurance.