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  • Customers
    Create a Business Verified Customer
    OverviewStep 1: Create a business Verified CustomerStep 2: Handle verification statusesStep 3: Add beneficial ownersStep 4: Certify beneficial ownershipFrequently asked questions
    Create a Personal Verified Customer
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    Add a Debit Card Using Dwolla-cards.js
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Frequently Asked Questions #

Customer Eligibility #

  • 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 is able to send multiple separate transfers as long as each transfer amount is less than the transfer limit defined in your services agreement.

Example Scenario: The transaction limit for my Customer is $10,000 and they need to send $15,000. In this case, you can prompt your Customer to send two transfers. One for $10,000 and another for $5,000.

Beneficial Owner Eligibility #

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.

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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.