> ## Documentation Index
> Fetch the complete documentation index at: https://developers.dwolla.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Transfer Money Between Users

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

## Overview

The most common scenario for this guide is to facilitate marketplace or peer-to-peer transfers between your customers.

<img src="https://mintcdn.com/dwolla/C9LuhBlLWlq2MFvM/assets/images/content-images/funds-flow-facilitate.gif?s=2b1d8ff4a4b7543bade6e15736a114ee" alt="Funds Flow Facilitate Transfers" width="1750" height="900" data-path="assets/images/content-images/funds-flow-facilitate.gif" />

In this guide, we'll cover the key points of transferring money:

<Steps>
  <Step title="Create a Verified Customer who will receive the transfer">
    Create a Verified Customer in your application to act as the recipient of the funds.
  </Step>

  <Step title="Create an Unverified Customer who will send the transfer">
    Create an Unverified Customer who will initiate and send the funds.
  </Step>

  <Step title="Associate a verified funding source with the sender">
    Link and verify a bank or credit union account to the sender's profile to enable sending funds.
  </Step>

  <Step title="Associate an unverified funding source with recipient">
    Link a bank or credit union account to the recipient's profile (verification not required for receiving funds).
  </Step>

  <Step title="Transfer funds from the sender's funding source to the recipient's funding source">
    Initiate a transfer from the sender's verified funding source to the recipient's funding source using the Dwolla API.
  </Step>
</Steps>

<Warning>
  Certain use cases involving transfers between users, such as peer-to-peer payments, may require additional review to ensure alignment with Dwolla's risk policies. Before you start building, <a href="https://www.dwolla.com/contact">contact our Sales team</a> to confirm that your use case is supported.
</Warning>

## Before you begin

You need to have a [Sandbox account](/docs/testing) already set up.

## Verified and Unverified Customers

Here are some rules to keep in mind:

1. With a transfer of money, at least one party must complete the [identity verification process](https://www.dwolla.com/updates/guide-customer-identification-program-payments-api/), either the sender or the receiver. It's your decision about which party completes this process, based on your business model, and you may want to have both parties complete the identity verification process.
2. The sender must have a verified funding source. Unverified funding sources can only receive money, not send.

In this guide, we'll create two Customers: one to represent a seller and one to represent a buyer. In this scenario, the seller, Jane Merchant, is a `Verified Customer` with an unverified funding source. The buyer, Joe Buyer, is an `Unverified Customer` with a verified funding source.

<Info>
  This is a suggested approach and there are other ways you can implement your
  marketplace transfers. For instance, both the sender and the receiver (or
  buyer and seller) could be <code>Verified Customers</code>, and both could
  have verified funding sources. Or, you could have the sender undergo identity
  verification but not the recipient.
</Info>

Looking to learn more about each Customer type and how it relates to your funds flow? Take a look at our [Customer types](/docs/customer-types) article for more information.

# Step 1 - Create a Verified Customer

First, we'll create a `Verified Customer` for Jane Merchant.

There are two types of Verified Customers you can create; [Personal Verified Customers](/docs/personal-verified-customer) and [Business Verified Customers.](/docs/business-verified-customer) In this example, we use [Business Verified Customers](/docs/business-verified-customer) (sole proprietorship) to represent the merchant who will be receiving funds.

<CodeGroup>
  ```bash HTTP theme={"dark"}
  POST https://api-sandbox.dwolla.com/customers
  Content-Type: application/vnd.dwolla.v1.hal+json
  Accept: application/vnd.dwolla.v1.hal+json
  Authorization: Bearer 0Sn0W6kzNic+oWhDbQcVSKLRUpGjIdl/YyrHqrDDoRnQwE7Q

  {
      "firstName": "Jane",
      "lastName": "Merchant",
      "email": "solePropBusiness@email.com",
      "ipAddress": "143.156.7.8",
      "type": "business",
      "dateOfBirth": "1980-01-31",
      "ssn": "6789",
      "address1": "99-99 33rd St",
      "city": "Some City",
      "state": "NY",
      "postalCode": "11101",
      "businessClassification": "9ed3f670-7d6f-11e3-b1ce-5404a6144203",
      "businessType": "soleProprietorship",
      "businessName":"Jane Corp",
      "ein":"00-0000000"
  }

  HTTP/1.1 201 Created
  Location: https://api-sandbox.dwolla.com/customers/62c3aa1b-3a1b-46d0-ae90-17304d60c3d5
  ```

  ```php create_verified_customer.php theme={"dark"}
  <?php
  $customersApi = new DwollaSwagger\CustomersApi($apiClient);
  $new_customer = 'https://api-sandbox.dwolla.com/customers/b70c3194-35fa-49e8-9243-d55a30e06d1e';
  $new_customer = $customersApi->create([
      'firstName' => 'Jane',
      'lastName' => 'Merchant',
      'email' => 'solePropBusiness@email.com',
      'ipAddress' => '143.156.7.8',
      'type' => 'business',
      'dateOfBirth' => '1980-01-31',
      'ssn' => '6789',
      'address1' => '99-99 33rd St',
      'city' => 'Some City',
      'state' => 'NY',
      'postalCode' => '11101',
      'businessClassification' => '9ed3f670-7d6f-11e3-b1ce-5404a6144203',
      'businessType' => 'soleProprietorship',
      'businessName' => 'Jane Corp',
      'ein' => '00-0000000']);
  ?>
  ```

  ```ruby create_verified_customer.rb theme={"dark"}
  # Using DwollaV2 - https://github.com/Dwolla/dwolla-v2-ruby (Recommended)
  request_body = {
      :firstName => 'Jane',
      :lastName => 'Merchant',
      :email => 'solePropBusiness@email.com',
      :ipAddress => '143.156.7.8',
      :type => 'business',
      :dateOfBirth => '1980-01-31',
      :ssn => '6789',
      :address1 => '99-99 33rd St',
      :city => 'Some City',
      :state => 'NY',
      :postalCode => '11101',
      :businessClassification => '9ed3f670-7d6f-11e3-b1ce-5404a6144203',
      :businessType => 'soleProprietorship',
      :businessName => 'Jane Corp',
      :ein => '00-0000000'
  }

  customer = app_token.post "customers", request_body
  customer.response_headers[:location] # => "https://api-sandbox.dwolla.com/customers/62c3aa1b-3a1b-46d0-ae90-17304d60c3d5"
  ```

  ```python create_verified_customer.py theme={"dark"}
  # Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python (Recommended)
  request_body = {
    'firstName': 'Jane',
    'lastName': 'Merchant',
    'email': 'solePropBusiness@email.com',
    'ipAddress': '143.156.7.8',
    'type': 'business',
    'dateOfBirth': '1980-01-31',
    'ssn': '6789',
    'address1': '99-99 33rd St',
    'city': 'Some City',
    'state': 'NY',
    'postalCode': '11101',
    'businessClassification': '9ed3f670-7d6f-11e3-b1ce-5404a6144203',
    'businessType': 'soleProprietorship',
    'businessName': 'Jane Corp',
    'ein': '00-0000000'
  }

  customer = app_token.post('customers', request_body)
  customer.headers['location'] # => 'https://api-sandbox.dwolla.com/customers/62c3aa1b-3a1b-46d0-ae90-17304d60c3d5'
  ```

  ```javascript create_verified_customer.js theme={"dark"}
  var requestBody = {
    firstName: "Jane",
    lastName: "Merchant",
    email: "solePropBusiness@email.com",
    ipAddress: "143.156.7.8",
    type: "business",
    dateOfBirth: "1980-01-31",
    ssn: "6789",
    address1: "99-99 33rd St",
    city: "Some City",
    state: "NY",
    postalCode: "11101",
    businessClassification: "9ed3f670-7d6f-11e3-b1ce-5404a6144203",
    businessType: "soleProprietorship",
    businessName: "Jane Corp",
    ein: "00-0000000",
  };

  dwolla
    .post("customers", requestBody)
    .then((res) => res.headers.get("location")); // => 'https://api-sandbox.dwolla.com/customers/62c3aa1b-3a1b-46d0-ae90-17304d60c3d5'
  ```
</CodeGroup>

When the customer is created, you'll receive the customer URL in the location header.

<Warning>
  There are various reasons a Verified Customer will result in a status other than <code>verified</code> which you will want to account for after the Customer is created. Reference the Customer verification resource article for more information on <a href="/docs/business-verified-customer#handle-verification-statuses">handling verification statuses</a>.
</Warning>

# Step 2 - Create unverified funding source

Next, we'll add Jane Merchant's bank or credit union account as an unverified funding source. Unverified funding sources can only receive funds, not send.

The example below shows sample bank information, but you will include actual bank name, routing, and account numbers after prompting your customer for this information within your application. Possible values for `bankAccountType` can be either "checking" or "savings". More detail is available in [API docs](/docs/api-reference/funding-sources/create-customer-funding-source).

<CodeGroup>
  ```bash HTTP theme={"dark"}
  POST https://api-sandbox.dwolla.com/customers/AB443D36-3757-44C1-A1B4-29727FB3111C/funding-sources
  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"
  }

  HTTP/1.1 201 Created
  Location: https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31
  ```

  ```ruby create_unverified_funding_source.rb theme={"dark"}
  customer_url = 'https://api-sandbox.dwolla.com/customers/62c3aa1b-3a1b-46d0-ae90-17304d60c3d5'
  request_body = {
    routingNumber: '222222226',
    accountNumber: '123456789',
    bankAccountType: 'checking',
    name: 'Jane Merchant'
  }

  # Using DwollaV2 - https://github.com/Dwolla/dwolla-v2-ruby (Recommended)
  funding_source = app_token.post "#{customer_url}/funding-sources", request_body
  funding_source.response_headers[:location] # => "https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31"
  ```

  ```javascript create_unverified_funding_source.js theme={"dark"}
  var customerUrl =
    "https://api-sandbox.dwolla.com/customers/62c3aa1b-3a1b-46d0-ae90-17304d60c3d5";
  var requestBody = {
    routingNumber: "222222226",
    accountNumber: "123456789",
    bankAccountType: "checking",
    name: "Jane Merchant",
  };

  dwolla
    .post(`${customerUrl}/funding-sources`, requestBody)
    .then((res) => res.headers.get("location")); // => 'https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31'
  ```

  ```python create_unverified_funding_source.py theme={"dark"}
  customer_url = 'https://api-sandbox.dwolla.com/customers/62c3aa1b-3a1b-46d0-ae90-17304d60c3d5'
  request_body = {
    'routingNumber': '222222226',
    'accountNumber': '123456789',
    'bankAccountType': 'checking',
    'name': 'Jane Merchant'
  }

  # Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python (Recommended)
  customer = app_token.post('%s/funding-sources' % customer_url, request_body)
  customer.headers['location'] # => 'https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31'
  ```

  ```php create_unverified_funding_source.php theme={"dark"}
  <?php
  $fsApi = new DwollaSwagger\FundingsourcesApi($apiClient);

  $customer = 'https://api.dwolla.com/customers/62c3aa1b-3a1b-46d0-ae90-17304d60c3d5/funding-sources'
  $new_fs = $fsApi->createCustomerFundingSource(array (
    'routingNumber' => '222222226',
    'accountNumber' => '123456789',
    'bankAccountType' => 'checking',
    'name' => 'Jane Merchant',
    ), $customer
  );

  print($new_fs); # => https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31
  ?>
  ```
</CodeGroup>

The created funding source URL is returned in the Location header.

# Step 3 - Creating an Unverified Customer

Now that we've created a customer for Jane Merchant and associated a funding source, we'll do the same for Joe Buyer, but this time we'll create an `Unverified Customer`, and a verified funding source which is capable of sending money.

Provide the user's full name, email address, and IP address to create the Customer. More detail is available in [API docs](https://developers.dwolla.com/api-reference/customers).

<Tip>
  Provide the IP address of the end user accessing your application as the <code>ipAddress</code> parameter. This enhances Dwolla's ability to detect fraud.
</Tip>

<CodeGroup>
  ```bash HTTP theme={"dark"}
  POST https://api-sandbox.dwolla.com/customers
  Content-Type: application/vnd.dwolla.v1.hal+json
  Accept: application/vnd.dwolla.v1.hal+json
  Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q
  {
  "firstName": "Joe",
  "lastName": "Buyer",
  "email": "jbuyer@mail.net"
  }

  HTTP/1.1 201 Created
  Location: https://api-sandbox.dwolla.com/customers/247B1BD8-F5A0-4B71-A898-F62F67B8AE1C
  ```

  ```ruby create_unverified_customer.rb theme={"dark"}
  request_body = {
    :firstName => 'Joe',
    :lastName => 'Buyer',
    :email => 'jbuyer@mail.net',
    :ipAddress => '99.99.99.99'
  }

  # Using DwollaV2 - https://github.com/Dwolla/dwolla-v2-ruby (Recommended)
  customer = app_token.post "customers", request_body
  customer.response_headers[:location] # => "https://api-sandbox.dwolla.com/customers/247B1BD8-F5A0-4B71-A898-F62F67B8AE1C"
  ```

  ```javascript create_unverified_customer.js theme={"dark"}
  var requestBody = {
    firstName: "Joe",
    lastName: "Buyer",
    email: "jbuyer@mail.net",
    ipAddress: "99.99.99.99",
  };

  dwolla
    .post("customers", requestBody)
    .then((res) => res.headers.get("location")); // => 'https://api-sandbox.dwolla.com/customers/247B1BD8-F5A0-4B71-A898-F62F67B8AE1C'
  ```

  ```python create_unverified_customer.py theme={"dark"}
  request_body = {
    'firstName': 'Joe',
    'lastName': 'Buyer',
    'email': 'jbuyer@mail.net',
    'ipAddress': '99.99.99.99'
  }

  # Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python (Recommended)
  customer = app_token.post('customers', request_body)
  customer.headers['location'] # => 'https://api-sandbox.dwolla.com/customers/247B1BD8-F5A0-4B71-A898-F62F67B8AE1C'
  ```

  ```php create_unverified_customer.php theme={"dark"}
  <?php
  $customersApi = new DwollaSwagger\CustomersApi($apiClient);

  $new_customer = $customersApi->create([
    'firstName' => 'Joe',
    'lastName' => 'Buyer',
    'email' => 'jbuyer@mail.net',
    'ipAddress' => '99.99.99.99'
  ]);

  print($new_customer); # => https://api-sandbox.dwolla.com/customers/247B1BD8-F5A0-4B71-A898-F62F67B8AE1C
  ?>
  ```
</CodeGroup>

When the customer is created, you'll receive the customer URL in the location header.

# Step 4 - Attach a verified funding source

Next, you will create and attach a verified funding source to Joe Buyer, which will be done using Dwolla's Open Banking solution with Plaid, a leading Open Banking service provider that Dwolla partners with. This method will give Joe Buyer the ability to add and verify their bank account in a matter of seconds by authenticating using their online banking credentials.

Once Joe Buyer reaches the page in your application to add a bank account, you will use Open Banking with Plaid to authenticate their bank account. This involves initiating an <Tooltip content="A session created to facilitate the secure exchange of data between Dwolla and a third-party provider">Exchange Session</Tooltip> with Dwolla, guiding the user through the verification process with their bank, and then using the <Tooltip content="A secure method of exchanging data between Dwolla and a third-party provider">Exchange</Tooltip> details to create a funding source in Dwolla.

To integrate Open Banking with Plaid, we recommend checking out our [integration guide](/docs/open-banking/plaid). Additionally, if you would like to see a working example that verifies a bank using Open Banking with Plaid and attaches it as a verified funding source to a Dwolla Customer, please check out our [open-banking/plaid](https://github.com/Dwolla/integration-examples/tree/main/packages/open-banking/plaid) integration example on our GitHub profile.

<Card title="Step-by-step guide on implementing Open Banking with Plaid" href="/docs/open-banking/plaid" icon="book" />

Finally, once an instantly-verified funding source has been created via Open Banking with Plaid, Joe Buyer is now set up and ready to send money!

# Step 5 - Initiating a transfer

<CodeGroup>
  ```bash HTTP theme={"dark"}
  POST https://api-sandbox.dwolla.com/transfers
  Accept: application/vnd.dwolla.v1.hal+json
  Content-Type: application/vnd.dwolla.v1.hal+json
  Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q
  {
      "_links": {
          "source": {
              "href": "https://api-sandbox.dwolla.com/funding-sources/80275e83-1f9d-4bf7-8816-2ddcd5ffc197"
          },
          "destination": {
              "href": "https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31"
          }
      },
      "amount": {
          "currency": "USD",
          "value": "225.00"
      }
  }

  HTTP/1.1 201 Created
  Location: https://api-sandbox.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388
  ```

  ```ruby initiate_transfer.rb theme={"dark"}
  request_body = {
    :_links => {
      :source => {
        :href => "https://api-sandbox.dwolla.com/funding-sources/80275e83-1f9d-4bf7-8816-2ddcd5ffc197"
      },
      :destination => {
        :href => "https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31"
      }
    },
    :amount => {
      :currency => "USD",
      :value => "225.00"
    }
  }

  # Using DwollaV2 - https://github.com/Dwolla/dwolla-v2-ruby (Recommended)
  # For Dwolla API applications, an app_token can be used for this endpoint. (https://developers.dwolla.com/docs/api-reference/tokens/create-an-application-access-token)
  transfer = app_token.post "transfers", request_body
  transfer.response_headers[:location] # => "https://api.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388"
  ```

  ```javascript initiate_transfer.js theme={"dark"}
  var requestBody = {
    _links: {
      source: {
        href: "https://api-sandbox.dwolla.com/funding-sources/80275e83-1f9d-4bf7-8816-2ddcd5ffc197",
      },
      destination: {
        href: "https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31",
      },
    },
    amount: {
      currency: "USD",
      value: "225.00",
    },
  };

  // For Dwolla API applications, an dwolla can be used for this endpoint. (https://developers.dwolla.com/docs/api-reference/tokens/create-an-application-access-token)
  dwolla
    .post("transfers", requestBody)
    .then((res) => res.headers.get("location")); // => 'https://api.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388'
  ```

  ```python initiate_transfer.py theme={"dark"}
  request_body = {
    '_links': {
      'source': {
        'href': 'https://api-sandbox.dwolla.com/funding-sources/80275e83-1f9d-4bf7-8816-2ddcd5ffc197'
      },
      'destination': {
        'href': 'https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31'
      }
    },
    'amount': {
      'currency': 'USD',
      'value': '225.00'
    }
  }

  # Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python (Recommended)
  # For Dwolla API applications, an app_token can be used for this endpoint. (https://developers.dwolla.com/docs/api-reference/tokens/create-an-application-access-token)
  transfer = app_token.post('transfers', request_body)
  transfer.headers['location'] # => 'https://api.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388'
  ```

  ```php initiate_transfer.php theme={"dark"}
  <?php
  $transfer_request = array (
    '_links' =>
    array (
      'source' =>
      array (
        'href' => 'https://api-sandbox.dwolla.com/funding-sources/80275e83-1f9d-4bf7-8816-2ddcd5ffc197',
      ),
      'destination' =>
      array (
        'href' => 'https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31',
      ),
    ),
    'amount' =>
    array (
      'currency' => 'USD',
      'value' => '225.00',
    )
  );

  $transferApi = new DwollaSwagger\TransfersApi($apiClient);
  $myAccount = $transferApi->create($transfer_request);

  print($xfer); # => https://api-sandbox.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388
  ?>
  ```
</CodeGroup>

## Retrieve the status of your transfer

You can check the status of the newly created transfer by retrieving the transfer by its URL.

##### Request and response

<CodeGroup>
  ```bash HTTP theme={"dark"}
  GET https://api-sandbox.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388
  Accept: application/vnd.dwolla.v1.hal+json
  Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY

  ...

  {
    "_links": {
      "self": {
        "href": "https://api-sandbox.dwolla.com/transfers/D76265CD-0951-E511-80DA-0AA34A9B2388"
      },
      "source": {
        "href": "https://api-sandbox.dwolla.com/customers/AB443D36-3757-44C1-A1B4-29727FB3111C"
      },
      "destination": {
        "href": "https://api-sandbox.dwolla.com/customers/C7F300C0-F1EF-4151-9BBE-005005AC3747"
      }
    },
    "id": "D76265CD-0951-E511-80DA-0AA34A9B2388",
    "status": "pending",
    "amount": {
      "value": "225.00",
      "currency": "USD"
    },
    "created": "2015-09-02T00:30:25.580Z"
  }
  ```

  ```ruby get_transfer_status.rb theme={"dark"}
  transfer_url = 'https://api-sandbox.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388'

  # Using DwollaV2 - https://github.com/Dwolla/dwolla-v2-ruby (Recommended)
  # For Dwolla  API applications, an app_token can be used for this endpoint. (https://developers.dwolla.com/api-reference/authorization/application-authorization)
  transfer = app_token.get transfer_url
  transfer.status # => "pending"
  ```

  ```php get_transfer_status.php theme={"dark"}
  <?php
  $transferUrl = 'https://api.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388';

  $transfersApi = new DwollaSwagger\TransfersApi($apiClient);

  $transfer = $transfersApi->byId($transferUrl);
  $transfer->status; # => "pending"
  ?>
  ```

  ```python get_transfer_status.py theme={"dark"}
  transfer_url = 'https://api.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388'

  # Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python (Recommended)
  # For Dwolla API applications, an app_token can be used for this endpoint. (https://developers.dwolla.com/api-reference/authorization/application-authorization)
  transfer = app_token.get(transfer_url)
  transfer.body['status'] # => 'pending'
  ```

  ```javascript get_transfer_status.js theme={"dark"}
  var transferUrl =
    "https://api.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388";

  // For Dwolla API applications, an dwolla can be used for this endpoint. (https://developers.dwolla.com/api-reference/authorization/application-authorization)
  dwolla.get(transferUrl).then((res) => res.body.status); // => 'pending'
  ```
</CodeGroup>

That's it! You've successfully transferred money from Joe Buyer to Jane Merchant. Please continue to the [Webhooks guide](/docs/working-with-webhooks) for information on implementing notifications for your customers about the transfer.