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Sift Integration #

As part of Dwolla’s API, you can choose to implement Sift’s machine learning model for real-time ACH fraud monitoring.

The need to leverage machine learning in protecting against fraud becomes increasingly valuable as payment volume scales. With this in mind, many Dwolla customers look for the right solution to help manage risk for their ACH payments.

Often, we see customers choosing to use Sift in order to better monitor and protect against fraud. We understand the value Sift’s real-time risk scoring model can provide our customers, so we’ve integrated the service right into the Dwolla API.

Integration overview #

Warning
Your integration with Sift will involve the placement of Sift JavaScript within your application. Dwolla is unable to perform this code placement on your behalf, as the Sift JavaScript implementation occurs within your application.

As outlined in the bullet points above, first you’ll insert your Sift JavaScript within your application. Subsequently, you will copy and paste your Sift API key within the Integrations section under Account in the Dwolla API Dashboard. Then you are all set!

The events below are sent to Sift on your behalf by Dwolla’s API, and there is no additional development needed on your side. Events will begin populating into Sift once your integration is complete.

Dwolla EventSift EventFields SentCustomer Created$create_accountuser_id, name, user_email, phone (optional), address (Billing Address)Customer Updated$update_accountSame as above in addition to: customField ("type"= accountType (personal or business)), customField ( "status" = (suspended)), payment_methods = routing_numberCustomer SuspendedLabel User with $abuse_type = 'account_abuse'api_key, abuse_type = account_abuseCustomer Funding Source Added$update_accountCustomer Funding Source Removed$update_accountTransfers$transaction with $transaction_type = '$transfer'type, api_key, transaction_type = (deposit, withdrawal, or transfer), amount, currency_code=USD, transaction_status=success, failure, or pending, billing_address, and transfer_recipient_user_idTransfers In$transaction with $transaction_type = '$deposit'Transfers Out$transaction with $transaction_type = '$withdrawal'

If you would like to go live with your Dwolla API integration, please reach out to our sales team. If you already have an Dwolla API Integration and would like to get started with Sift, log in and connect your Sift account now.

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Financial institutions play an important role in our network.

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.