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Step 2: Adding a Funding Source #

After creating our receive-only User, the next step is to attach a bank funding source. This will be the funding source where they will receive funds.

Bank Addition and Verification methods #

Within Dwolla, the sending party must always verify their bank account in order to be eligible to create a transfer. Although it’s recommended, the party that is receiving the funds does not need to undergo bank verification.

There are three 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
Third Party - Plaid (Example)YesOnline Bank Credentials

Step 2A: Adding a Bank to the Receive-only User #

In this step, we will be adding a bank account to our receive-only user by collecting their bank details within a form on our application. After initial validation of the form fields, the user’s bank details will be submitted to our back-end server where the API request is made to Dwolla to add a bank account.

Request Parameters - Create a Funding Source

routingNumberyesstringThe bank routing number
accountNumberyesstringThe bank account number
bankAccountTypeyesstringType of bank account: checking or savings
nameyesstringArbitrary nickname for the funding source. Must be 50 characters or less
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q
    "routingNumber": "222222226",
    "accountNumber": "123456789",
    "bankAccountType": "checking",
    "name": "Jane Merchant - Checking 6789"

HTTP/1.1 201 Created

When the funding source is created, you will receive a 201 HTTP response with an empty response body. You can refer to the Location header to retrieve a link to the created funding source resource. We recommend storing the full URL for future use as it will be referenced when creating the transfer to this user’s bank account.

Step 2B: Handle Webhooks #

If you have an active webhook subscription (required in production & optional in Sandbox), you will receive the customer_funding_source_created webhook immediately after the resource has been created.

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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.