Create an exchange for an account #

This section contains information on how to create an exchange for a reseller partner or client account. The creation of an exchange serves as the “hand-shake” between Dwolla and a trusted ecosystem partner. The creation of an exchange requires a _link to the exchange partner and tokenized data which encapsulates limited permissioned access between an ecosystem partner and Dwolla.

HTTP request #

POST https://api.dwolla.com/exchanges

Request parameters #

Property	Required	Type	Description
_links	yes	object	HAL-JSON links that represent resource relationships required for creating an exchange.
token	conditional	string	A third party provider processor token. Required for MX, Flinks, and Plaid integrations.
mx	conditional	object	A MX object containing memberId and accountId information for the selected bank account via the Instant Account Verification (IAV) flow. Note: Only used with Exchange Sessions API and pre-integrated open banking providers.
finicity	conditional	object	Finicity resource object containing access key receipt information. Required for Finicity integration. See `finicity` JSON object below (including nested `product`and `accessPeriod` JSON objects).

HTTP status and error codes #

HTTP Status	Code	Description
201	Created	The Dwolla API accepted the request and created an exchange resource. You can reference the Location header to retrieve a link that represents the created exchange resource.
400	InvalidExchangeToken	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.
400	InactiveExchange	Exchange was removed or disabled.
401	InvalidScope	The scopes for creating an exchange resource for an account is not enabled for this application. Reach out to Dwolla for more information.

Request and Response (MX) #

Raw

POST https://api.dwolla.com/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/292317ec-e252-47d8-93c3-2d128e037aa4"
        }
    },
    "token": "someMXProcessorToken"
}

HTTP/1.1 201 Created
Location: https://api.dwolla.com/exchanges/fcd15e5f-8d13-4570-a9b7-7fb49e55941d

Request and Response (Flinks) #

Raw

POST https://api.dwolla.com/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/a0b22a57-68df-4450-b507-47c937e64e89"
        }
    },
    "token": "MTExYTFhMWEtMTExMS0xYWExLTExMTEtMTFhMTExYTExMTFhOjIyMmIyYjFiLTIyMjItMmJiMi0yMjIyLTIyYjIyMmIyMjIyYg=="
}

HTTP/1.1 201 Created
Location: https://api.dwolla.com/exchanges/fcd15e5f-8d13-4570-a9b7-7fb49e55941d

Request and Response (Mastercard) #

Raw

POST https://api.dwolla.com/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/292317ec-e252-47d8-93c3-2d128e037aa4"
        }
    },
    "finicity": {
        "profile": 3,
        "version": "1",
        "receiptId": "cr_4N47ou7SlppuIxq0ZUtACh10vYcloY",
        "receiptVersion": "1",
        "customerId": "5454874858510164117",
        "partnerId": 2445583946651,
        "products": [
            {
                "product": "moneyTransferDetails",
                "accountId": "1015199035827334916",
                "accessPeriod": {
                    "type": "timeframe",
                    "startTime": "2022-07-06",
                    "endTime": "2022-08-16T06:06:20Z"
                }
            }
        ],
        "timestamp": "2022-07-11T06:06:23Z"
    }
}

 HTTP/1.1 201 Created
 Location: https://api.dwolla.com/exchanges/fcd15e5f-8d13-4570-a9b7-7fb49e55941d

Retrieve an exchange partner

Create an exchange for an external party

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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.