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Transfers

A transfer represents money being transferred from a source to a destination. Transfers can be created over the ACH network or over Wire. A Debit represents funds being debited from an funding source. A Credit represents funds being credited to an external party’s funding source.

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Transfer Statuses

Once a transfer is successfully created, it can go through various status changes as it moves from Dwolla to your bank for processing. Reference the list below that includes every possible status and a brief description:
StatusDescription
createdThe initial status of a transfer.
pendingA transfer will move from created to pending as it processes in Dwolla system and continues processing on submission to your bank.
processedA transfer was submitted by your bank through the payment network for processing and successfully completed.
failedA transfer failed to be submitted to your bank for processing.
returnedA transfer was submitted to your bank for processing and later updated to returned upon receiving an ACH return code.

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Transfer resource

ParameterDescription
idTransfer unique identifier.
statusEither processed, pending, cancelled, or failed.
amountAn amount JSON object. See below.
createdISO-8601 timestamp.
metadataA metadata JSON object
{
    "_links": {
        "self": {
            "href": "https://api.dwolla.com/transfers/60075bd9-2492-4d88-b810-13b162cdec03",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "transfer"
        },
        "source": {
            "href": "https://api.dwolla.com/accounts/3b0f270c-9cfd-4724-bae8-aa4b1659cbb3",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "account"
        },
        "source-funding-source": {
            "href": "https://api.dwolla.com/funding-sources/9062c625-2094-47ed-9d1f-f40315e4bea7",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "funding-source"
        },
        "destination": {
            "href": "https://api.dwolla.com/external-parties/ef156b8c-159b-45dc-9e1a-9a92fa355cdc",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "external-party"
        },
        "destination-funding-source": {
            "href": "https://api.dwolla.com/funding-sources/737d3c04-02c3-416f-b327-cd5419999b3f",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "funding-source"
        }
    },
    "id": "60075bd9-2492-4d88-b810-13b162cdec03",
    "created": "2023-09-20T14:43:30.403Z",
    "amount": {
        "value": "5.12",
        "currency": "USD"
    },
    "status": "returned",
    "processingChannel": "ach",
    "failureReason": {
        "description": "Insufficient Funds",
        "code": "R01",
        "explanation": "Available balance is not sufficient to cover the dollar amount of the debit entry."
    }
}