Transfers

Initiate a transfer

Initiate a transfer between funding sources from a Dwolla Account or API Customer resource. Supports ACH, Instant Payments (RTP/FedNow), Push-to-Debit Card, and wire transfers with optional expedited clearing, facilitator fees, metadata, and correlation IDs for enhanced traceability. Includes idempotency key support to prevent duplicate transfers and extensive customization options for addenda records and processing channels. Returns the location of the created transfer resource for tracking and management.

POST

transfers

cURL

POST https://api-sandbox.dwolla.com/transfers
Accept: application/vnd.dwolla.v1.hal+json
Content-Type: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY

{
  "_links": {
    "source": {
      "href": "https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4"
    },
    "destination": {
      "href": "https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db"
    }
  },
  "amount": {
    "currency": "USD",
    "value": "1.00"
  },
  "clearing": {
    "source": "standard",
    "destination": "next-available"
  },
  "achDetails": {
    "source": {
      "addenda": {
        "values": ["ABC123_AddendaValue"]
      }
    },
    "destination": {
      "addenda": {
        "values": ["ZYX987_AddendaValue"]
      }
    }
  },
  "instantDetails": {
    "destination": {
      "remittanceData": "ABC_123 Remittance Data"
    }
  },
  "fees": [
    {
      "_links": {
        "charge-to": {
          "href": "https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8"
        }
      },
      "amount": {
        "value": "4.00",
        "currency": "USD"
      }
    }
  ],
  "metadata": {
    "key": "value"
  },
  "correlationId": "6d127333-69e9-4c2b-8cae-df850228e130",
  "processingChannel": {
    "destination": "instant"
  }
}

// Using dwolla-v2 - https://github.com/Dwolla/dwolla-v2-node
var requestBody = {
  _links: {
    source: {
      href: "https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4",
    },
    destination: {
      href: "https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db",
    },
  },
  amount: {
    currency: "USD",
    value: "1.00",
  },
  clearing: {
    source: "standard",
    destination: "next-available",
  },
  achDetails: {
    source: {
      addenda: {
        values: ["ABC123_AddendaValue"],
      },
    },
    destination: {
      addenda: {
        values: ["ZYX987_AddendaValue"],
      },
    },
  },
  instantDetails: {
    destination: {
      remittanceData: "ABC_123 Remittance Data",
    },
  },
  fees: [
    {
      _links: {
        "charge-to": {
          href: "https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8",
        },
      },
      amount: {
        value: "4.00",
        currency: "USD",
      },
    },
  ],
  metadata: {
    key: "value",
  },
  correlationId: "6d127333-69e9-4c2b-8cae-df850228e130",
  processingChannel: {
    destination: "instant",
  },
};

dwolla
  .post("transfers", requestBody)
  .then((res) => res.headers.get("location")); // => 'https://api-sandbox.dwolla.com/transfers/0e6b8c1e-7b6e-4b2e-8e2e-1b2e2e2e2e2e'

# Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python
request_body = {
  '_links': {
    'source': {
      'href': 'https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4'
    },
    'destination': {
      'href': 'https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db'
    }
  },
  'amount': {
    'currency': 'USD',
    'value': '1.00'
  },
  'clearing': {
    'source': 'standard',
    'destination': 'next-available'
  },
  'achDetails': {
    'source': {
      'addenda': {
        'values': ['ABC123_AddendaValue']
      }
    },
    'destination': {
      'addenda': {
        'values': ['ZYX987_AddendaValue']
      }
    }
  },
  'instantDetails': {
    'destination': {
      'remittanceData': 'ABC_123 Remittance Data'
    }
  },
  'fees': [
    {
      '_links': {
        'charge-to': {
          'href': 'https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8'
        }
      },
      'amount': {
        'value': '4.00',
        'currency': 'USD'
      }
    }
  ],
  'metadata': {
    'key': 'value'
  },
  'correlationId': '6d127333-69e9-4c2b-8cae-df850228e130',
  'processingChannel': {
    'destination': 'instant'
  }
}

transfer = app_token.post('transfers', request_body)
transfer.headers['location'] # => 'https://api-sandbox.dwolla.com/transfers/0e6b8c1e-7b6e-4b2e-8e2e-1b2e2e2e2e2e'

<?php
// Using dwollaswagger - https://github.com/Dwolla/dwolla-swagger-php
$transfersApi = new DwollaSwagger\TransfersApi($apiClient);

$transfer = $transfersApi->create([
  '_links' => [
    'source' => [
      'href' => 'https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4',
    ],
    'destination' => [
      'href' => 'https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db',
    ]
  ],
  'amount' => [
    'currency' => 'USD',
    'value' => '1.00'
  ],
  'clearing' => [
    'source' => 'standard',
    'destination' => 'next-available'
  ],
  'achDetails' => [
    'source' => [
      'addenda' => [
        'values' => ['ABC123_AddendaValue']
      ]
    ],
    'destination' => [
      'addenda' => [
        'values' => ['ZYX987_AddendaValue']
      ]
    ]
  ],
  'instantDetails' => [
    'destination' => [
      'remittanceData' => 'ABC_123 Remittance Data'
    ]
  ],
  'fees' => [
    [
      '_links' => [
        'charge-to' => [
          'href' => 'https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8',
        ]
      ],
      'amount' => [
        'value' => '4.00',
        'currency' => 'USD'
      ]
    ]
  ],
  'metadata' => [
    'key' => 'value'
  ],
  'correlationId' => '6d127333-69e9-4c2b-8cae-df850228e130',
  'processingChannel' => [
    'destination' => 'instant'
  ]
]);
$transfer; # => "https://api-sandbox.dwolla.com/transfers/0e6b8c1e-7b6e-4b2e-8e2e-1b2e2e2e2e2e"
?>

# Using dwolla_v2 - https://github.com/Dwolla/dwolla-v2-ruby
request_body = {
  :_links => {
    :source => {
      :href => "https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4"
    },
    :destination => {
      :href => "https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db"
    }
  },
  :amount => {
    :currency => "USD",
    :value => "1.00"
  },
  :clearing => {
    :source => "standard",
    :destination => "next-available"
  },
  :achDetails => {
    :source => {
      :addenda => {
        :values => ["ABC123_AddendaValue"]
      }
    },
    :destination => {
      :addenda => {
        :values => ["ZYX987_AddendaValue"]
      }
    }
  },
  :instantDetails => {
    :destination => {
      :remittanceData => "ABC_123 Remittance Data"
    }
  },
  :fees => [
    {
      :_links => {
        :"charge-to" => {
          :href => "https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8"
        }
      },
      :amount => {
        :value => "4.00",
        :currency => "USD"
      }
    }
  ],
  :metadata => {
    :key => "value"
  },
  :correlationId => "6d127333-69e9-4c2b-8cae-df850228e130",
  :processingChannel => {
    :destination => "instant"
  }
}

transfer = app_token.post "transfers", request_body
transfer.response_headers[:location] # => "https://api-sandbox.dwolla.com/transfers/0e6b8c1e-7b6e-4b2e-8e2e-1b2e2e2e2e2e"

{
  "code": "ValidationError",
  "message": "Validation error(s) present. See embedded errors list for more details.",
  "_embedded": {
    "errors": [
      {
        "code": "Invalid",
        "message": "Funding source not found.",
        "path": "/_links/source/href",
        "_links": {}
      }
    ]
  }
}

{
  "code": "Forbidden",
  "message": "Invalid Funds Flow: this operation requires the funds flow 'Facilitate' to be enabled"
}

{
  "code": "TooManyRequests",
  "message": "Concurrent transfers with the given funding source are not supported. Please wait a short period of time before re-attempting the request."
}

Authorizations

Authorization

string

header

required

The access token received from the authorization server in the OAuth 2.0 flow.

FlowClient Credentials

Token URL: /token

Headers

enum<string>

default:application/vnd.dwolla.v1.hal+json

required

The media type of the response. Must be application/vnd.dwolla.v1.hal+json

Available options:

application/vnd.dwolla.v1.hal+json

Idempotency-Key

string

Body

application/json

Parameters to initiate a transfer

_links

object

required

Show child attributes

amount

TransferAmount · object

required

Show child attributes

metadata

object

fees

object[]

Show child attributes

clearing

object

Show child attributes

achDetails

object

Show child attributes

rtpDetails

object

Real-Time Payments (RTP) specific transaction details.

Show child attributes

instantDetails

object

Instant Payments specific transaction details for both RTP and FedNow networks. Only destination is supported; there is no sender-side remittance field. Use destination.remittanceData to convey payment context to the receiver. The metadata and correlationId fields are for your own reconciliation and are not transmitted over the payment network.

Show child attributes

correlationId

string

processingChannel

object

Show child attributes

Response

created

cURL

POST https://api-sandbox.dwolla.com/transfers
Accept: application/vnd.dwolla.v1.hal+json
Content-Type: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY

{
  "_links": {
    "source": {
      "href": "https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4"
    },
    "destination": {
      "href": "https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db"
    }
  },
  "amount": {
    "currency": "USD",
    "value": "1.00"
  },
  "clearing": {
    "source": "standard",
    "destination": "next-available"
  },
  "achDetails": {
    "source": {
      "addenda": {
        "values": ["ABC123_AddendaValue"]
      }
    },
    "destination": {
      "addenda": {
        "values": ["ZYX987_AddendaValue"]
      }
    }
  },
  "instantDetails": {
    "destination": {
      "remittanceData": "ABC_123 Remittance Data"
    }
  },
  "fees": [
    {
      "_links": {
        "charge-to": {
          "href": "https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8"
        }
      },
      "amount": {
        "value": "4.00",
        "currency": "USD"
      }
    }
  ],
  "metadata": {
    "key": "value"
  },
  "correlationId": "6d127333-69e9-4c2b-8cae-df850228e130",
  "processingChannel": {
    "destination": "instant"
  }
}

// Using dwolla-v2 - https://github.com/Dwolla/dwolla-v2-node
var requestBody = {
  _links: {
    source: {
      href: "https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4",
    },
    destination: {
      href: "https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db",
    },
  },
  amount: {
    currency: "USD",
    value: "1.00",
  },
  clearing: {
    source: "standard",
    destination: "next-available",
  },
  achDetails: {
    source: {
      addenda: {
        values: ["ABC123_AddendaValue"],
      },
    },
    destination: {
      addenda: {
        values: ["ZYX987_AddendaValue"],
      },
    },
  },
  instantDetails: {
    destination: {
      remittanceData: "ABC_123 Remittance Data",
    },
  },
  fees: [
    {
      _links: {
        "charge-to": {
          href: "https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8",
        },
      },
      amount: {
        value: "4.00",
        currency: "USD",
      },
    },
  ],
  metadata: {
    key: "value",
  },
  correlationId: "6d127333-69e9-4c2b-8cae-df850228e130",
  processingChannel: {
    destination: "instant",
  },
};

dwolla
  .post("transfers", requestBody)
  .then((res) => res.headers.get("location")); // => 'https://api-sandbox.dwolla.com/transfers/0e6b8c1e-7b6e-4b2e-8e2e-1b2e2e2e2e2e'

# Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python
request_body = {
  '_links': {
    'source': {
      'href': 'https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4'
    },
    'destination': {
      'href': 'https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db'
    }
  },
  'amount': {
    'currency': 'USD',
    'value': '1.00'
  },
  'clearing': {
    'source': 'standard',
    'destination': 'next-available'
  },
  'achDetails': {
    'source': {
      'addenda': {
        'values': ['ABC123_AddendaValue']
      }
    },
    'destination': {
      'addenda': {
        'values': ['ZYX987_AddendaValue']
      }
    }
  },
  'instantDetails': {
    'destination': {
      'remittanceData': 'ABC_123 Remittance Data'
    }
  },
  'fees': [
    {
      '_links': {
        'charge-to': {
          'href': 'https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8'
        }
      },
      'amount': {
        'value': '4.00',
        'currency': 'USD'
      }
    }
  ],
  'metadata': {
    'key': 'value'
  },
  'correlationId': '6d127333-69e9-4c2b-8cae-df850228e130',
  'processingChannel': {
    'destination': 'instant'
  }
}

transfer = app_token.post('transfers', request_body)
transfer.headers['location'] # => 'https://api-sandbox.dwolla.com/transfers/0e6b8c1e-7b6e-4b2e-8e2e-1b2e2e2e2e2e'

<?php
// Using dwollaswagger - https://github.com/Dwolla/dwolla-swagger-php
$transfersApi = new DwollaSwagger\TransfersApi($apiClient);

$transfer = $transfersApi->create([
  '_links' => [
    'source' => [
      'href' => 'https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4',
    ],
    'destination' => [
      'href' => 'https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db',
    ]
  ],
  'amount' => [
    'currency' => 'USD',
    'value' => '1.00'
  ],
  'clearing' => [
    'source' => 'standard',
    'destination' => 'next-available'
  ],
  'achDetails' => [
    'source' => [
      'addenda' => [
        'values' => ['ABC123_AddendaValue']
      ]
    ],
    'destination' => [
      'addenda' => [
        'values' => ['ZYX987_AddendaValue']
      ]
    ]
  ],
  'instantDetails' => [
    'destination' => [
      'remittanceData' => 'ABC_123 Remittance Data'
    ]
  ],
  'fees' => [
    [
      '_links' => [
        'charge-to' => [
          'href' => 'https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8',
        ]
      ],
      'amount' => [
        'value' => '4.00',
        'currency' => 'USD'
      ]
    ]
  ],
  'metadata' => [
    'key' => 'value'
  ],
  'correlationId' => '6d127333-69e9-4c2b-8cae-df850228e130',
  'processingChannel' => [
    'destination' => 'instant'
  ]
]);
$transfer; # => "https://api-sandbox.dwolla.com/transfers/0e6b8c1e-7b6e-4b2e-8e2e-1b2e2e2e2e2e"
?>

# Using dwolla_v2 - https://github.com/Dwolla/dwolla-v2-ruby
request_body = {
  :_links => {
    :source => {
      :href => "https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4"
    },
    :destination => {
      :href => "https://api-sandbox.dwolla.com/funding-sources/9c7f8d57-cd45-4e7a-bf7a-914dbd6131db"
    }
  },
  :amount => {
    :currency => "USD",
    :value => "1.00"
  },
  :clearing => {
    :source => "standard",
    :destination => "next-available"
  },
  :achDetails => {
    :source => {
      :addenda => {
        :values => ["ABC123_AddendaValue"]
      }
    },
    :destination => {
      :addenda => {
        :values => ["ZYX987_AddendaValue"]
      }
    }
  },
  :instantDetails => {
    :destination => {
      :remittanceData => "ABC_123 Remittance Data"
    }
  },
  :fees => [
    {
      :_links => {
        :"charge-to" => {
          :href => "https://api-sandbox.dwolla.com/customers/d795f696-2cac-4662-8f16-95f1db9bddd8"
        }
      },
      :amount => {
        :value => "4.00",
        :currency => "USD"
      }
    }
  ],
  :metadata => {
    :key => "value"
  },
  :correlationId => "6d127333-69e9-4c2b-8cae-df850228e130",
  :processingChannel => {
    :destination => "instant"
  }
}

transfer = app_token.post "transfers", request_body
transfer.response_headers[:location] # => "https://api-sandbox.dwolla.com/transfers/0e6b8c1e-7b6e-4b2e-8e2e-1b2e2e2e2e2e"

{
  "code": "ValidationError",
  "message": "Validation error(s) present. See embedded errors list for more details.",
  "_embedded": {
    "errors": [
      {
        "code": "Invalid",
        "message": "Funding source not found.",
        "path": "/_links/source/href",
        "_links": {}
      }
    ]
  }
}

{
  "code": "Forbidden",
  "message": "Invalid Funds Flow: this operation requires the funds flow 'Facilitate' to be enabled"
}

{
  "code": "TooManyRequests",
  "message": "Concurrent transfers with the given funding source are not supported. Please wait a short period of time before re-attempting the request."
}

Introduction

Resources

Initiate a transfer

Authorizations

Headers

Body

Response