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  • Getting Started
    Testing in the Sandbox
    Generate an OAuth Access Token
    Send Money to Users
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    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
    Verify Bank with Micro-deposits
    Add Bank via Dwolla + Plaid Integration
    OverviewStep 1: Generate Plaid processor tokenStep 2: Create funding source using Plaid token
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    Create a Webhook Subscription
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Step 2 - Create a funding source for a Customer using a plaidToken #

This step assumes you’ve created a Customer for the user that you’ve authenticated or will authenticate with Plaid. Using the processor_token obtained from the previous step, you’ll pass this in as the value of the plaidToken request parameter; along with a funding source name in the request to create a funding source for a Customer.

Request and response (view schema in 'raw')
var customerUrl =
var requestBody = {
  plaidToken: "processor-sandbox-161c86dd-d470-47e9-a741-d381c2b2cb6f",
  name: "Jane Doe’s Checking",

  .post(`${customerUrl}/funding-sources`, requestBody)
  .then((res) => res.headers.get("location")); // => 'https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31'

Obtain a funding source URL that belongs to the Customer #

Once you’ve received a successful response from the API, you’ll use the unique funding source URL to identify the Customer’s bank when initiating ACH transfers.

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Use sandbox environment to test API requests.

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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.