Receive money from your users


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:

  1. Choosing and creating the Customer type for your sending Customer
  2. Attaching a funding source (bank account) to the Customer
  3. Fetching the available funding sources
  4. Initiating a transfer from your Customer to your Dwolla Master Account

Before you begin

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 setup 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!

Production: Operational

Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and all funds associated with your account in our network are held in one or more pooled accounts at Veridian Credit Union. These funds 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.