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    OverviewStep 1: Generate Plaid processor tokenStep 2: Create funding source using Plaid token
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Using Plaid + Dwolla #

To get started, verify that your Plaid account is enabled for the Dwolla integration. Your account will be automatically enabled for Plaid's Sandbox and Development environments once you’ve created an account. Once your Plaid account is setup, add Plaid Link to your site.

Plaid’s development environment is not compatible with Dwolla. Dwolla's Sandbox and Production environments work with Plaid's Sandbox and Production environments respectively.

A high-level overview of Plaid Link can be referenced below, however reference the Plaid documentation for more information on integrating with Plaid Link.

Plaid Link

Plaid Link is handled completely on the client-side using JavaScript. Set up Link using only a few lines of Javascript, and then specify callbacks to handle the public_token after the user has authenticated and created an Item.

Note: When testing in Plaid Sandbox, make sure to use the test credentials user_good/pass_good when creating a Plaid item.

Plaid Link handles the entire onboarding flow securely and quickly, but does not actually retrieve data for the selected financial institution. Instead, the Link module returns a public_token and an account_id (an id representing a user selected account at their FI) via a callback.

This public token, along with the account id must be exchanged for a Plaid access_token by your back-end server making a call to the Plaid API. Finally, you’ll send the access_token and account_id to the Plaid API in exchange for a Dwolla processor_token which will be sent to the Dwolla API in the next step.

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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.