- Getting StartedTesting in the Sandbox
Generate an OAuth Access TokenSend Money to UsersReceive Money from UsersTransfer Money Between UsersTransfer Money Me-to-MeBuilding With Drop-in Components - CustomersCreate a Business Verified CustomerOverviewStep 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 - Funding SourcesAdd a Debit Card Using Dwolla-cards.jsAdd a Bank Using Dwolla.jsAdd a Bank Using Dwolla.js + IAVVerify Bank with Micro-depositsAdd Bank via Dwolla + Plaid Integration
- WebhooksCreate a Webhook Subscription
Frequently Asked Questions #
Customer Eligibility #
retry status. What activity would they be able to engage in while being in retry status, as it relates to the Dwolla Platform?
- Send funds - No
- Receive funds - Yes - Note that funds will only process to their balance and the transfer will stay
pendinguntil the Customer has been verified. - Add and verify a bank funding source - Yes
- Add and verify a Beneficial Owner - Yes
document status. What activity would they be able to engage in while being in document status, as it relates to the Dwolla Platform?- Send funds - No
- Receive funds - Yes - Note that funds will only process to their balance and the transfer will stay
pendinguntil the Customer has been verified. - Add and verify a bank funding source - Yes
- Add and verify a Beneficial Owner - Yes
deactivated or suspended status. What activity would they be able to engage in while being in deactivated or suspended status, as it relates to the Dwolla Platform?- Send funds - No
- Receive funds - No
- Add and verify a bank funding source - No
- Add and verify a Beneficial Owner - No
verified status, but is unable to send funds. Why is this?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.
Business Verified Customer type to an Unverified Customer type?No. Downgrade functionality is not supported for Dwolla Verified Customers.
document status. Can I submit more than one document via the API?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 #
verified and my Beneficial Owners are verified but they cannot send funds. Why is this?Your Customer will need to certify beneficial ownership information before your Customer will be eligible to send funds.
verified status. What is my Customer’s eligibility for certain actions with Dwolla?- Send funds - No
- Receive funds - Yes - Note that funds will only process to their balance and the transfer will stay
pendinguntil all of the Beneficial Owners have been verified and certified. - Add and verify a bank funding source - Yes
ssn? When should they use the passport?- 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
passportobject.
PreviousTest in the Sandbox for free today.
Use sandbox environment to test API requests.
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.