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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
    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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Plaid Integration #

Plaid Auth for bank funding source authentication in seconds #

Dwolla and Plaid are collaborating to offer Dwolla customers a solution that enables their users to quickly and securely verify bank account ownership.

Using Plaid Link, your users verify their accounts in seconds by simply inputting their banking credentials in Plaid’s front-end module. Plaid’s mobile-friendly module handles input validation, error handling, and multi-factor authentication, providing a seamless experience that converts more users for your business.

Your Customers will authenticate information with their financial institution through Plaid Auth, and select the bank or credit union account they wish to use for initiating bank transfers. Behind the scenes, you’ll receive a unique token from Plaid that will be used to create a funding source for a Customer via the Dwolla API. The Dwolla and Plaid partnership offers an elegantly designed and secure way for our joint Customers to verify account ownership with access tokens, removing sensitive financial information from the transaction stream.

In this article we’ll cover the steps involved with obtaining a plaidToken, which will be sent to the Dwolla API in exchange for a funding source URL, used to identify a bank for a Dwolla API Customer. To test the integration in the Sandbox, you’ll use your Plaid Sandbox Credentials along with your Dwolla Sandbox Credentials.

Quick overview #

  • Register for a Plaid account and integrate with Plaid Link
  • Create a funding source for an Dwolla API Customer using a plaidToken
  • Obtain and store a unique funding source URL that belongs to the Dwolla API Customer
Dwolla and Plaid Flow

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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.