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    OverviewStep 1: Initiate micro-depositsStep 2: Verify micro-deposits
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JavaScript
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Initiate micro-deposits #

Once you POST to the initiate-micro-deposits link, Dwolla will send two small amounts to your customer's bank or credit union account. If the request is successful, Dwolla returns a HTTP 201 and a link to the created micro-deposits resource funding-sources/{id}/micro-deposits in the location header. The micro-deposits resource can be later used to retrieve the status of micro-deposits or verify micro-deposit amounts. If your application is subscribed to webhooks, a webhook will be sent with the microdeposits_added event, notifying your application that micro-deposits are en route to your customer’s bank account.

JavaScript
var fundingSourceUrl =
  "https://api-sandbox.dwolla.com/funding-sources/e52006c3-7560-4ff1-99d5-b0f3a6f4f909";

dwolla.post(`#{fundingSourceUrl}/micro-deposits`);

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Developers

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.