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Step 2: Adding a Funding Source #

Within Dwolla, the sending party must always have a verified funding source. Since your Customer is the one sending funds, they will need to both add and verify their bank funding source before being eligible to send funds.

The destination party, or the party receiving funds, does not need to have a verified funding source to receive these funds.

Bank Addition and Verification Methods #

There are multiple ways of adding a bank to a Customer with the Dwolla API. A simplified table below outlines the similarities and differences of each method.

Bank Addition MethodWill the bank be verified?Required Information
API - Account & Routing NumberOptional - With MicrodepositsBank Account and Routing Number
Drop-in componentsOptional - With MicrodepositsBank Account and Routing Number
Dwolla + Plaid integrationYesOnline banking Credentials
Dwolla + Secure Exchange solutionYesOnline banking credentials
Other Approved Third-party ProviderYesVariable

Step 2A: Add a Bank to an Unverified Customer #

In this step, we will create and attach a verified funding source to your Customer, which will be done using Plaid Link, a third-party bank verification provider. This method will give your Customers the ability to add and verify their bank account in a matter of seconds by authenticating using their online banking credentials.

Once your Customer reaches the page in your application to add a bank account, you will first use Plaid Link to authenticate the user's bank account, exchange the public_token for a processor_token, and then send the processor_token to Dwolla to create the funding source.

To integrate Dwolla with Plaid, we recommend checking out our Add a Bank via Dwolla + Plaid Integration guide. Additionally, if you would like to see a working example that verifies a bank via Plaid Link (using Next.js/React) and attaches it as a verified funding source to a Dwolla Customer, please check out our dwolla-plaid-funding-source integration example on our GitHub profile.

Step 2B: Handle Webhooks #

If you have an active webhook subscription, you should receive both the customer_funding_source_added and customer_funding_source_verified webhooks immediately following the request to Dwolla to add a funding source using a Plaid processorToken.

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Financial institutions play an important role in our network.

All funds transfers made using the Dwolla Platform are performed by a financial institution partner, and any funds held in a Dwolla Balance are held by a financial institution partner. Learn more about our financial institution partners.