Step 1: Creating your Customer

Choose the Customer Type for your Funds Flow

Before your end user can send funds, they must be created as a Customer via the Dwolla API. The pay-ins funds flow is flexible in terms of choosing a Customer type to onboard, as both the unverified Customer and verified Customer types are eligible to send funds. To learn more on the different Customer types and the capabilities of each, check out our customer types resource article.

Step 1A. Create the Customer

While you can use the verified Customer type in this funds flow, we will be creating an unverified Customer in this guide.

Request Parameters - Unverified Customer

firstNameyesstringCustomer’s first name
lastNameyesstringCustomer’s last name
emailyesstringCustomer’s email address
businessNameconditionalstringCustomer’s registered business name (optional if not a business entity)
ipAddressnostringCustomer’s IP address
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY

  "firstName": "Jane",
  "lastName": "Doe",
  "email": "",
  "ipAddress": "",

HTTP/1.1 201 Created
request_body = {
  :firstName => 'Jane',
  :lastName => 'Doe',
  :email => '',
  :ipAddress => ''

# Using DwollaV2 - (Recommended)
customer = "customers", request_body
customer.response_headers[:location] # => ""
var requestBody = {
  firstName: 'Jane',
  lastName: 'Merchant',
  email: '',
  ipAddress: ''

  .post('customers', requestBody)
  .then(function(res) {
    res.headers.get('location'); // => ''
request_body = {
  'firstName': 'Jane',
  'lastName': 'Merchant',
  'email': '',
  'ipAddress': ''

# Using dwollav2 - (Recommended)
customer ='customers', request_body)
customer.headers['location'] # => ''
$customersApi = new DwollaSwagger\CustomersApi($apiClient);

$customer = $customersApi->create([
  'firstName' => 'Jane',
  'lastName' => 'Merchant',
  'email' => '',
  'ipAddress' => ''

print($customer); # => ""
  1. Provide the IP address of the end-user accessing your application as the `ipAddress` parameter. This enhances fraud detection and tracking.

When the Customer is successfully created by your application, you will receive a 201 HTTP response with an empty response body. You can reference the Location header to retrieve a link that represents the created Customer resource. We recommend storing the full URL for future use, as it will be necessary to complete additional actions, such as attaching a bank or correlating webhooks that are triggered for the end user in the Dwolla system.

Step 1B. Handle Webhooks

If you have an active webhook subscription, you will receive the customer_created webhook immediately after the resource has been created.

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.