> ## Documentation Index > Fetch the complete documentation index at: https://developers.dwolla.com/llms.txt > Use this file to discover all available pages before exploring further. # Create an exchange for a customer > Creates an exchange connection between a customer and Dwolla. Request body varies by partner (Plaid, MX, Flinks, Finicity, Checkout.com). For bank accounts, use Plaid, MX, Flinks, or Finicity to establish secure access to the customer's bank account data. For debit cards (Push to Card), use Checkout.com and pass the payment ID from Checkout.com Flow. ## OpenAPI ````yaml post /customers/{id}/exchanges openapi: 3.1.0 info: title: Dwolla API description: Dwolla API Documentation contact: name: Dwolla Developer Relations Team url: https://developers.dwolla.com email: api@dwolla.com version: '2.0' termsOfService: https://www.dwolla.com/legal/tos/ license: name: MIT url: https://github.com/Dwolla/dwolla-openapi/blob/master/LICENSE servers: - url: https://api.dwolla.com description: Production server - url: https://api-sandbox.dwolla.com description: Sandbox server security: - clientCredentials: [] tags: - name: tokens description: Operations related to Application Access Tokens - name: root description: Root API operations - name: accounts description: Operations related to Accounts - name: customers description: Operations related to Customers - name: kba description: Operations related to Knowledge-Based Authentication - name: beneficial owners description: Operations related to Beneficial Owners - name: documents description: Operations related to Documents - name: exchanges description: Operations related to Exchanges - name: exchange sessions description: Operations related to Exchange Sessions - name: funding sources description: Operations related to Funding Sources - name: transfers description: Operations related to Transfers - name: labels description: Operations related to Labels - name: mass payments description: Operations related to Mass Payments - name: events description: Operations related to Events - name: webhook subscriptions description: Operations related to Webhook Subscriptions - name: webhooks description: Operations related to Webhooks - name: client tokens description: Operations related to Client Tokens - name: sandbox simulations description: Sandbox-only operations for simulating processing of bank transfers paths: /customers/{id}/exchanges: post: tags: - exchanges summary: Create an exchange for a customer description: >- Creates an exchange connection between a customer and Dwolla. Request body varies by partner (Plaid, MX, Flinks, Finicity, Checkout.com). For bank accounts, use Plaid, MX, Flinks, or Finicity to establish secure access to the customer's bank account data. For debit cards (Push to Card), use Checkout.com and pass the payment ID from Checkout.com Flow. operationId: createCustomerExchange parameters: - name: id in: path description: The ID of the customer to create an exchange for required: true schema: type: string - $ref: '#/components/parameters/Accept' requestBody: required: true content: application/vnd.dwolla.v1.hal+json: schema: oneOf: - $ref: '#/components/schemas/CreateFinicitySecureExchange' - $ref: '#/components/schemas/CreateTokenBasedExchange' - $ref: '#/components/schemas/CreateMXOpenBankingExchange' - $ref: '#/components/schemas/CreatePlaidOpenBankingExchange' responses: '201': description: created headers: Location: $ref: '#/components/headers/Location' example: >- https://api.dwolla.com/exchanges/fcd15e5f-8d13-4570-a9b7-7fb49e55941d '400': description: Bad Request content: application/vnd.dwolla.v1.hal+json: schema: oneOf: - $ref: '#/components/schemas/InvalidExchangeToken' - $ref: '#/components/schemas/InvalidExchange' '401': description: Unauthorized content: application/vnd.dwolla.v1.hal+json: schema: oneOf: - type: object properties: code: type: string example: InvalidExchangeToken message: type: string example: >- The exchange token is not valid to perform this operation. Either the token is expired or invalid, or the products permissions to the token are invalid or expired. - type: object properties: code: type: string example: InvalidScope message: type: string example: >- The scopes for creating an exchange resource for a customer is not enabled for this application. Reach out to Dwolla for more information. '404': description: Not Found content: application/vnd.dwolla.v1.hal+json: schema: $ref: '#/components/schemas/NotFoundError' x-codeSamples: - lang: bash source: > POST https://api.dwolla.com/customers/74a207b2-b7b7-4efa-8bf8-582148e7b980/exchanges Accept: application/vnd.dwolla.v1.hal+json Content-Type: application/vnd.dwolla.v1.hal+json Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY { "_links": { "exchange-partner": { "href": "https://api.dwolla.com/exchange-partners/f53ffb32-c84f-496a-9d9d-acd100d396ef" } }, "token": "somePlaidProcessorToken" } HTTP/1.1 201 Created Location: https://api.dwolla.com/exchanges/fcd15e5f-8d13-4570-a9b7-7fb49e55941d - lang: javascript source: > // Using dwolla-v2 - https://github.com/Dwolla/dwolla-v2-node var customerUrl = "https://api.dwolla.com/customers/74a207b2-b7b7-4efa-8bf8-582148e7b980"; var requestBody = { _links: { "exchange-partner": { href: "https://api.dwolla.com/exchange-partners/f53ffb32-c84f-496a-9d9d-acd100d396ef", }, }, token: "somePlaidProcessorToken", }; dwolla.post(`${customerUrl}/exchanges`, requestBody).then((res) => res.headers.get("location")); // => 'https://api.dwolla.com/exchanges/fcd15e5f-8d13-4570-a9b7-7fb49e55941d' - lang: python source: > # Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python customer_url = 'https://api.dwolla.com/customers/74a207b2-b7b7-4efa-8bf8-582148e7b980' request_body = { '_links': { 'exchange-partner': { 'href': 'https://api.dwolla.com/exchange-partners/f53ffb32-c84f-496a-9d9d-acd100d396ef' } }, 'token': 'somePlaidProcessorToken' } exchange = app_token.post('%s/exchanges' % customer_url, request_body) exchange.headers['location'] # => 'https://api.dwolla.com/exchanges/fcd15e5f-8d13-4570-a9b7-7fb49e55941d' - lang: php source: > createCustomerExchange(new CreateExchangeRequest([ "_links" => [ "exchange-partner" => [ "href" => "https://api.dwolla.com/exchange-partners/f53ffb32-c84f-496a-9d9d-acd100d396ef" ] ], "token" => "somePlaidProcessorToken" ]), $customerUrl); $exchange; # => https://api.dwolla.com/exchanges/fcd15e5f-8d13-4570-a9b7-7fb49e55941d ?> - lang: ruby source: > # Using dwolla_v2 - https://github.com/Dwolla/dwolla-v2-ruby customer_url = 'https://api.dwolla.com/customers/74a207b2-b7b7-4efa-8bf8-582148e7b980' request_body = { _links: { 'exchange-partner': { href: "https://api.dwolla.com/exchange-partners/f53ffb32-c84f-496a-9d9d-acd100d396ef" } }, token: 'somePlaidProcessorToken' } exchange = app_token.post "#{customer_url}/exchanges", request_body exchange.response_headers[:location] # => "https://api.dwolla.com/exchanges/fcd15e5f-8d13-4570-a9b7-7fb49e55941d" components: parameters: Accept: name: Accept in: header required: true description: >- The media type of the response. Must be application/vnd.dwolla.v1.hal+json schema: type: string enum: - application/vnd.dwolla.v1.hal+json default: application/vnd.dwolla.v1.hal+json schemas: CreateFinicitySecureExchange: title: CreateFinicitySecureExchange type: object required: - _links - finicity properties: _links: type: object properties: exchange-partner: type: object properties: href: type: string example: >- https://api.dwolla.com/exchange-partners/292317ec-e252-47d8-93c3-2d128e037aa4 finicity: type: object properties: profile: type: integer format: int32 example: 3 version: type: string example: '1' receiptId: type: string example: cr_4N47ou7SlppuIxq0ZUtACh10vYcloY receiptVersion: type: string example: '1' customerId: type: string example: '5454874858510164117' partnerId: type: integer format: int64 example: 2445583946651 products: type: array items: type: object properties: product: type: string example: moneyTransferDetails accountId: type: string example: '1015199035827334916' accessPeriod: type: object properties: type: type: string example: timeframe startTime: type: string format: date example: '2022-07-06' endTime: type: string format: date-time example: '2022-08-16T06:06:20Z' timestamp: type: string format: date-time example: '2022-07-11T06:06:23Z' CreateTokenBasedExchange: title: CreateTokenBasedExchange description: >- Create an exchange using a token. Supports MX, Plaid, and Flinks secure exchange flows, and Checkout.com for Push to Card (debit card). type: object required: - _links - token properties: _links: type: object required: - exchange-partner properties: exchange-partner: type: object properties: href: type: string example: >- https://api.dwolla.com/exchange-partners/292317ec-e252-47d8-93c3-2d128e037aa4 token: type: string description: >- Connection or processor token from the exchange partner (e.g., Plaid, MX, Flinks), or payment ID (pay_xxx) from Checkout.com Flow for Push to Card example: sandbox-token-abc123 CreateMXOpenBankingExchange: title: CreateMXOpenBankingExchange type: object required: - _links - mx properties: _links: type: object required: - exchange-partner properties: exchange-partner: type: object required: - href properties: href: type: string format: uri example: >- https://api.dwolla.com/exchange-partners/bca8d065-49a5-475b-a6b4-509bc8504d22 mx: type: object required: - availableConnectionToken properties: availableConnectionToken: type: string description: The MX connection token for the available connection example: >- eyJhY2NvdW50SWQiOiJBQ1QtMjAxY2FkM2MtYzc2Yi00N2M1LWI3Y2QtMTkxY2FhNzdlZWM5IiwibWVtYmVySWQiOiJNQlItZGNjZWY0ZWMtOGM4MC00NTlmLTlhMGItMTc1ZTA0OTJmZWIzIn0= CreatePlaidOpenBankingExchange: title: CreatePlaidOpenBankingExchange type: object required: - _links - plaid properties: _links: type: object required: - exchange-partner properties: exchange-partner: type: object required: - href properties: href: type: string format: uri example: >- https://api.dwolla.com/exchange-partners/f53ffb32-c84f-496a-9d9d-acd100d396ef plaid: type: object required: - publicToken properties: publicToken: type: string description: The Plaid public token for the connection example: public-production-d5456acb-01d5-4932-9783-e4c883cf1c0c InvalidExchangeToken: title: InvalidExchangeToken type: object required: - code - message properties: code: type: string example: InvalidExchangeToken message: type: string example: Exchange token is expired. InvalidExchange: title: InvalidExchange type: object required: - code - message properties: code: type: string example: InvalidExchange message: type: string example: The exchange is no longer active. NotFoundError: title: NotFoundError description: Error response schema for 404 NotFound type: object required: - code - message properties: code: type: string example: NotFound message: type: string example: The requested resource was not found. headers: Location: description: The location of the created resource schema: type: string securitySchemes: clientCredentials: type: oauth2 flows: clientCredentials: tokenUrl: /token x-speakeasy-token-endpoint-authentication: client_secret_basic scopes: {} ````