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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  • Money withdrawn from a balance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:

ItemRequired?DescriptionAccount NameYesThe name that will display in the From section, defaults to the name on your Dwolla account or specified DBA name.
Example: Your Business NameFrom Email AddressYesThe email address that will display in the [From] address, only the local-part can be customized.
Example: yourbusinessname@dwolla.comReply-to Email AddressYesThe email address your company will specify to receive replies.
Example: support@yourbusinessname.comLogoNoThe branded image for your company, to be displayed at the top of the email content. The upload file format must be: .jpg, .png, or .gif. The max file size is 10 MB. The recommended width is 135 pixels.Logo LinkNoThe link that when the logo is clicked on, will redirect the receiver.
Example: www.yourbusinessname.comSupport AddressYesThe physical address that will display in the email footer, defaulted to the address on the account.
Example: 123 Main Street, Des Moines, IA 50309Support phoneConditionalAn optional item. Required if a Support 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 Email AddressConditionalAn optional item. Required if a 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.

Operational Notifications email template

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

plaintext
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

plaintext
Hello {CustomerName},

Your account has been successfully verified!
Email topic name

customer_suspended

Email subject and body

Subject: Account Suspended

plaintext
Hello {CustomerName},

Your account has been suspended.
Email topic name

customer_verification_document_needed

Email subject and body

Subject: Verification Document Required

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
Hello {CustomerName},

"{BankAccountNickName}" was verified on {Timestamp}.
Email topic name

customer_funding_source_removed

Email subject and body

Subject: Funding Source Removed

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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

plaintext
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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