Verify micro-deposits

In the Dwolla production environment, you must wait until the micro-deposits actually post to the customer’s bank account before the account can be verified, which can take 1-2 business days. A microdeposits_completed event will be triggered once micro-deposits have successfully posted to the bank. Once micro-deposits have completed, a verify-micro-deposits link relation will return on the funding source letting your application know the funding source can be verified.

In the Sandbox environment, any amount below $0.10 will allow you to verify the account immediately.

var fundingSourceUrl =
  "https://api-sandbox.dwolla.com/funding-sources/e52006c3-7560-4ff1-99d5-b0f3a6f4f909";
var requestBody = {
  amount1: {
    value: "0.03",
    currency: "USD",
  },
  amount2: {
    value: "0.09",
    currency: "USD",
  },
};

appToken.post(`${fundingSourceUrl}/micro-deposits`, requestBody);

Handle failed verification attempts

Your customer will have only three attempts to correctly input the two posted micro-deposit amounts. If your customer reaches the max attempts allowed, a microdeposits_maxattempts event will be triggered and they will no longer be allowed to verify the funding source using those same two posted micro-deposit amounts. In order to retry bank account verification via micro-deposits, the following steps will need to be taken by your customer and application:

1. Removal of the funding source with failed micro-deposit verification attempts.
2. Wait 48 hours after the initial funding source was added to re-add the funding source.
3. Initiate new micro-deposits to the funding source.
4. Verify the funding source using the new posted micro-deposit amounts.

Links returned on the funding source resource, either initiate-micro-deposits or verify-micro-deposits, will give your application insight into whether the funding source is eligible to receive or verify micro-deposits.