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Overview: Receive money from your users

In this guide, we’ll cover the key points of collecting money from your customers by utilizing the Dwolla API.

  • Create a sending customer for the funds transfer
  • Associate a verified funding source (bank or credit union account) with the customer
  • Transfer funds from the customer’s linked funding source (bank account)

Before you begin

You need to have a Sandbox account already set up.

Next step: Customer onboarding

The first step is to create senders for your transfer, along with adding a funding source (bank account) where the money will be sent from. Your application will need to capture these fields to pass through to Dwolla for secure storage.


Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.