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  • Getting Started
    Testing in the Sandbox
    Generate an OAuth Access Token
    OverviewStep 1: Generate an access TokenStep 2: Using an access token
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    Receive Money from Users
    Transfer Money Between Users
    Transfer Money Me-to-Me
    Building With Drop-in Components
  • Customers
    Create a Business Verified Customer
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  • Funding Sources
    Add a Debit Card Using Dwolla-cards.js
    Add a Bank Using Dwolla.js
    Add a Bank Using Dwolla.js + IAV
    Verify Bank with Micro-deposits
    Add Bank via Dwolla + Plaid Integration
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Generate an OAuth Access Token #

Dwolla utilizes the OAuth 2 protocol to facilitate authorization. OAuth is an authorization framework that enables a third-party application to obtain access to protected resources (Transfers, Funding Sources, etc.) in the Dwolla API. The following guide will walk through Dwolla's implementation of OAuth and how it will be leveraged by your application.

Creating an application #

Before you can get started with making OAuth requests, you’ll need to first register an application with Dwolla by logging in and navigating to the applications page in the Dashboard. Once an application is registered you will obtain your client_id and client_secret (aka client credentials), which will be used to identify your application when calling the Dwolla API. The Sandbox environment provides you with a created application once you have signed up for an account. Learn more in our Sandbox guide.

Warning
Your client_secret should be kept a secret! Be sure to store your client credentials securely.

Dwolla's authorization flow #

The OAuth 2 protocol defines four main authorization grant types, more commonly referred to as OAuth flows. Dwolla implements one of these flows that third party applications will utilize to obtain authorization.

Application authorization: - Using the client credentials grant flow, your application will obtain authorization to interact with the API on its own behalf. This is a server-to-server flow with interaction between an application and the Dwolla API; also known as 2-legged OAuth.

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Financial institutions play an important role in our network.

Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to our financial institution partners.

Dwolla is an agent of Veridian Credit Union. All ACH and Wire transfers are performed by Veridian Credit Union. Your Dwolla Balance, if any, is held in one or more pooled holding accounts held by Veridian Credit Union. These funds may not be eligible for share insurance by the National Credit Union Share Insurance Fund.

Sponsorship and Settlement of Push-to-Debit payment services provided by MetaBank®, N.A.
Push-to-Debit payments are typically available within 30 minutes.

Real-Time Payments are performed by Cross River Bank, which holds funds on behalf of the Receiver of such transactions in one or more pooled custodial accounts. These funds are not subject to FDIC pass-through deposit insurance.