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#dwolla-legal-disclaimer span {
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/* Improved sidebar navigation text contrast for dark mode - Mintlify specific */
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/* Sidebar group headers */
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/* Navigation items within sidebar groups */
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// Initialize Kapa widget and hide Mintlify search
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This endpoint handles two different actions:
1. Initiating micro-deposits: No request body is required
2. Verifying micro-deposits: Request body with micro-deposit amounts is required

The action is determined by the presence of a request body:
- If no request body is provided, the endpoint will initiate micro-deposits
- If a request body with micro-deposit amounts is provided, the endpoint will verify the micro-deposits


Initiate or Verify micro-deposits

Optional request body for verifying micro-deposits.
- If omitted: Endpoint will initiate micro-deposits
- If provided: Must contain micro-deposit amounts for verification


No request body is required for initiating micro-deposits.

InitiateMicroDeposits

Required request body for verifying micro-deposits

VerifyMicroDeposits

clientCredentials

Response for microdeposits operations (initiation and verification)

Dwolla Developer Portal

The Dwolla Developer Portal provides comprehensive guides, API documentation, and resources to help you build, test, and launch powerful solutions with Dwolla’s modern account-to-account payments platform.

Dwolla Developers

Everything you need to understand, build, and launch your payment integration

Overview

Guides and Concepts

Leverage Dwolla's existing financial institution relationship to connect your business to the U.S. banking infrastructure.

What is Dwolla?

Understanding and selecting the appropriate Customer type is the first step to a successful payment integration.

Customer Types

Test and refine your integration in the Dwolla Sandbox—a free, full-featured environment that simulates real API interactions, allowing you to build, experiment, and validate your application before going live.

Testing

Testing in the Sandbox

Requests to the Dwolla API require an OAuth access token for authentication. Learn about Dwolla's supported authorization flow and how to create an access token.

Authentication

Learn the key steps involved with sending funds to your end user's bank account.

Send Money

Learn the key steps involved with receiving funds from your end user's bank account.

Receive Money from Users

Facilitate ACH transfers between two distinct parties, e.g. for marketplace applications that connect buyers with sellers for bank to bank payments.

Transfer Money Between Users

Move funds between two different bank accounts belonging to a single Verified Customer, e.g. for savings applications that move funds between a Customer's checking and savings accounts.

Transfer Money Me-to-Me

Verifying a business' identity enables increased functionality on the platform. Create a business Customer that can receive funds and send up to $10,000 per transfer (default).

Business Verified Customer

Learn how to create a Verified personal Customer that can send and receive funds.

Personal Verified Customer

Send to, receive from, or hold funds within the Dwolla network for client master accounts and Verified Customer accounts.

Balance Funding Source

Learn about the different methods of adding and verifying a bank funding source to a Customer account.

Bank Funding Source

Use a Virtual Account Number to create unique account and routing numbers for receiving external transactions into a Dwolla Balance.

Virtual Account Numbers

Learn how to verify a user's bank account ownership by initiating micro-deposits - small deposits that are sent to the account and must be verified by the user to confirm account ownership.

Verify Bank with Micro-deposits

Learn about the complete lifecycle of a transfer in Dwolla and find out what webhooks you can expect to receive during each step.

Transfer Lifecycle

Learn more about transfer clearing times, including `standard` ,`expedited` and `instant` clearing.

Transfer Processing Times

Familiarize yourself with the unhappy path of transfers and build resilient practices to mitigate ACH returns. Learn about returns, why they happen and recommended actions your application can take based on the return code.

Transfer Failures

An overview of Same Day ACH and leveraging next-available processing times for faster transfers.

Same-Day ACH

Learn about Real Time Payments, and how to identify and send transfers to RTP-enabled funding-sources.

Real-time Payments

Charge users a flat rate amount to be removed from a payment as a fee. The fee is sent to the creator of the application.

Facilitator Fee

Real-time event notifications. Determine why a webhook subscription is vital to the experience of your application.

Webhook Events

Understand what Dwolla events are tied to notifications that are sent to your end users. Preview the customizable email templates here.

Operational Notifications

Implement simple, real-time, event notifications regarding account and transaction status, and more.

Working with Webhooks

Comprehensive, structured, and up-to-date documentation for all Dwolla API endpoints, parameters, request/response schemas, and usage examples. 

The entry point that clients can use to discover and explore the entire API.

root

Choose from a collection of client libraries and tools to get up and running quickly in a variety of languages.

SDKS & Tools

Use Dwolla’s SDK for Node to build applications that interact with the Dwolla API to perform account-to-account payment functions.

Node

Use Dwolla’s SDK for PHP to build applications that interact with the Dwolla API to perform account-to-account payment functions.

`Dwolla.Client` is available on [Nuget](https://www.nuget.org/packages/Dwolla.Client/) with [source code](https://github.com/Dwolla/dwolla-v2-csharp) available on our GitHub page.

Use Dwolla’s SDK for Python to build applications that interact with the Dwolla API to perform account-to-account payment functions.

Python

Use Dwolla’s SDK for Ruby to build applications that interact with the Dwolla API to perform account-to-account payment functions.

Ruby

Use Dwolla’s SDK for Kotlin to build applications that interact with the Dwolla API to perform account-to-account payment functions.

Kotlin

Dwolla's Drop-in components are low-code solutions to alleviate the technical overhead of a payments integration to rapidly implement key functionality into an application.

Drop-in Components

Dwolla's Drop-in Components are low-code solutions to abstract away the complexity of integrating with a payment API and act as a shortcut to completing a payment integration.

Building with Drop-in Components

Creates a client token with certain actions for Dwolla Drop-in components. The client token API request requires an `action` as well as a `link` which points to the Customer that identifies the end user performing the action within the drop-in component. The `action` is a string that contains a granular permission for the Customer performing the action within a drop-in component.


Create a client token

Keep up to date on new product features and enhancements, API docs, tools changes, and development updates.

Introduction

Resources

Initiate or Verify micro-deposits

Authorizations

Headers

Path Parameters

Body

Response