This guide is designed to get you up and running quickly through creating a one-time transfer from an end user via the Dwolla API. In this guide, we’ll cover the basics of integrating this lightweight payment flow, receiving funds (also referred to as “pay-ins”), by breaking down the steps to create a bank transfer. For simplicity, we’ll represent a one-to-one transfer between two end users, where the
source user is the individual or business that has been onboarded as a Dwolla Customer record. The
destination user is identified as your Master Dwolla Account.
In this quickstart guide, you’ll learn the following key concepts involved with receiving funds from your end user’s bank account:
We encourage you to create a sandbox account, if you haven’t already. This will allow you to follow along with the steps outlined in this guide. Check out our Sandbox guide to learn more on creating an account.
After creating a sandbox account, you’ll obtain your API Key and Secret, which are used to obtain an OAuth access token. An access token is required in order to authenticate against the Dwolla API. Learn more about how to obtain an access token in our guide.
Lastly, in this sandbox walkthrough, we recommend having an active webhook subscription. This will help notify your application of various events that occur within the Dwolla API. Check out our guide to learn more.
Let’s get started!
Use sandbox environment to test API requests.
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.