Frequently Asked Questions #

You can determine the eligibility of the customer to start transacting in the Dwolla platform by the presence of the send and receive links in the customer resource.

send - Denotes that the customer is eligible to start sending funds if they have a verified funding-source attached.

receive - Denotes that the customer is eligible to receive funds into their Dwolla balance or an attached bank funding-source. Note: Until the following actions have been completed, any funds received by the Customer will remain in their Dwolla Balance unable to be withdrawn or sent to another Customer or Account:

• Addition and verification of beneficial owners (if applicable)
• Certification of beneficial ownership

• Send funds - No
• Receive funds - Yes - Note that funds will only process to their balance and the transfer will stay pending until the Customer has been verified.
• Add and verify a bank funding source - Yes
• Add and verify a Beneficial Owner - Yes

• Send funds - No
• Receive funds - Yes - Note that funds will only process to their balance and the transfer will stay pending until the Customer has been verified.
• Add and verify a bank funding source - Yes
• Add and verify a Beneficial Owner - Yes

• Send funds - No
• Receive funds - No
• Add and verify a bank funding source - No
• Add and verify a Beneficial Owner - No

Your Customer has likely not completed the bank verification process. You can check to see the status of the funding source via the API or by going into the Dwolla dashboard.

No. Downgrade functionality is not supported for Dwolla Verified Customers.

Yes, although this is not necessary, nor recommended. Dwolla manually reviews all documents, so sending more documents than necessary may slow down the verification process for your Customers.

No. At this time, Dwolla will create Business Verified Customers when they have a proper business EIN or SSN (for Sole Proprietorships only).

Your Customer will need to certify beneficial ownership information before your Customer will be eligible to send funds.

• Send funds - No
• Receive funds - Yes - Note that funds will only process to their balance and the transfer will stay pending until all of the Beneficial Owners have been verified and certified.
• Add and verify a bank funding source - Yes

• If your Beneficial Owner is an individual from the United States with a US-issued SSN, your Beneficial Owner will sign up using ssn.
• If your Beneficial Owner is a non-US individual, they will use the passport object.