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  • Getting Started
    Testing in the Sandbox
    Generate an OAuth Access Token
    Send Money to Users
    Receive Money from Users
    Transfer Money Between Users
    Transfer Money Me-to-Me
    Building With Drop-in Components
  • Customers
    Create a Business Verified Customer
    Create a Personal Verified Customer
  • Funding Sources
    Add a Debit Card Using Dwolla-cards.js
    Add a Bank Using Dwolla.js
    Add a Bank Using Dwolla.js + IAV
    OverviewStep 1: Create a container for IAVStep 2: Create an IAV tokenStep 3: Configure and call functionStep 4: Handle JavaScript callback
    Verify Bank with Micro-deposits
    Add Bank via Dwolla + Plaid Integration
  • Webhooks
    Create a Webhook Subscription
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Step 4: Handle JavaScript Callback #

The Customer will complete the IAV flow by authenticating with their online banking credentials. You’ll know their bank account was successfully added and verified if you receive a JSON response in your callback that includes a link to the newly created funding source.

IAV select account screen

Example success callback #

  "_links": {
    "funding-source": {
      "href": "https://api-sandbox.dwolla.com/funding-sources/80275e83-1f9d-4bf7-8816-2ddcd5ffc197"

Handling IAV errors #

IAV related errors are returned either as user-facing messages within the IAV flow, or triggered through the dwolla.js callback. User-facing messages are displayed in red text at the top of the bank login screen informing the user there was an issue with connecting the associated bank account. Error callbacks will trigger letting your app know of errors that can't be fixed by the user within the flow.

Error callbacks will contain a similar JSON error response body as common errors in the API, which includes a top-level error code and a message. Reference the following list of error callbacks:

CodeMessageDescriptionUnexpectedPageIAV navigated to an unexpected page and was cancelled.A Dwolla related error occurred.InvalidIavTokenInvalid IAV token.An IAV token has already been used or has exceeded its expiration time of 1 hour.UnsupportedBankSorry, that financial institution is not supported. If possible, please choose a different one or an alternative method for connecting your financial institution.The customer's bank is not supported by the IAV flow.RateLimitReachedSorry, we’re having trouble logging into your account. Please try a different account.The customer exceeded the max number of two IAV attempts with the same bank. The customer must wait 30 minutes in order to re-authenticate.

Example error callback

  "code": "RateLimitReached",
  "message": "Sorry, we’re having trouble logging into your account. Please try a different account."

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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.