Step 3: Retrieving Funding Sources #

Now that you’ve created a Customer and associated its funding source, you are close to being able to initiate your first transfer. The transfer requires the following information:

A funding source to pull the funds from (your Customer’s linked bank funding source)
A funding source to push the funds to (your Dwolla Master Account’s linked bank funding source)

Dwolla uses URLs to represent relations between resources. Therefore, you’ll need to provide the full URL of the funding source and recipient.

Step 3A: Retrieve your Customer’s list of available Funding Sources #

In order to find your Customer’s available bank and balance funding sources, you will need to first retrieve the funding sources from your Customer, via the API.

Request and response (view schema in ‘raw’)

Raw

GET https://api-sandbox.dwolla.com/customers/2e09d295-e0b4-48e1-9ad0-69eafd47f212/funding-sources
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer [YOUR_OAUTH_TOKEN_HERE]

{
    "_links": {
        "self": {
            "href": "https://api-sandbox.dwolla.com/customers/2e09d295-e0b4-48e1-9ad0-69eafd47f212/funding-sources?removed=false",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "funding-source"
        },
        "customer": {
            "href": "https://api-sandbox.dwolla.com/customers/2e09d295-e0b4-48e1-9ad0-69eafd47f212",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "customer"
        }
    },
    "_embedded": {
        "funding-sources": [
            {
                "_links": {
                    "transfer-from-balance": {
                        "href": "https://api-sandbox.dwolla.com/transfers",
                        "type": "application/vnd.dwolla.v1.hal+json",
                        "resource-type": "transfer"
                    },
                    "self": {
                        "href": "https://api-sandbox.dwolla.com/funding-sources/c4805686-dee2-4f5a-ae8c-f269e29658b2",
                        "type": "application/vnd.dwolla.v1.hal+json",
                        "resource-type": "funding-source"
                    },
                    "transfer-to-balance": {
                        "href": "https://api-sandbox.dwolla.com/transfers",
                        "type": "application/vnd.dwolla.v1.hal+json",
                        "resource-type": "transfer"
                    },
                    "transfer-send": {
                        "href": "https://api-sandbox.dwolla.com/transfers",
                        "type": "application/vnd.dwolla.v1.hal+json",
                        "resource-type": "transfer"
                    },
                    "remove": {
                        "href": "https://api-sandbox.dwolla.com/funding-sources/c4805686-dee2-4f5a-ae8c-f269e29658b2",
                        "type": "application/vnd.dwolla.v1.hal+json",
                        "resource-type": "funding-source"
                    },
                    "customer": {
                        "href": "https://api-sandbox.dwolla.com/customers/2e09d295-e0b4-48e1-9ad0-69eafd47f212",
                        "type": "application/vnd.dwolla.v1.hal+json",
                        "resource-type": "customer"
                    },
                    "transfer-receive": {
                        "href": "https://api-sandbox.dwolla.com/transfers",
                        "type": "application/vnd.dwolla.v1.hal+json",
                        "resource-type": "transfer"
                    }
                },
                "id": "c4805686-dee2-4f5a-ae8c-f269e29658b2",
                "status": "verified",
                "type": "bank",
                "bankAccountType": "checking",
                "name": "Plaid Test",
                "created": "2022-06-01T20:50:17.276Z",
                "removed": false,
                "channels": [
                    "ach",
                    "real-time-payments"
                ],
                "bankName": "SANDBOX TEST BANK",
                "fingerprint": "dcd236c37358c1e4a306e6fb1b37dac85e0b2cc9925d4719f1e72d7731a80923"
            }
        ]
    }
}

Step 3B: Retrieve your Dwolla Master Account's list of available Funding Sources #

In order to find your Master Account’s available bank funding sources, you will need to first retrieve the funding sources from your Master Account, via the API. You’ll need your account URL which can be retrieved by calling the Root of the API.

Request and Response (view schema in `raw`)

Raw

GET https://api-sandbox.dwolla.com/accounts/ad5f2162-404a-4c4c-994e-6ab6c3a13254/funding-sources?removed=false
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q

{
  "_links": {
    "self": {
      "href": "https://api-sandbox.dwolla.com/accounts/ad5f2162-404a-4c4c-994e-6ab6c3a13254/funding-sources"
    }
  },
  "_embedded": {
    "funding-sources": [
    {
          "_links": {
              "transfer-from-balance": {
                  "href": "https://api-sandbox.dwolla.com/transfers",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "transfer"
              },
              "self": {
                  "href": "https://api-sandbox.dwolla.com/funding-sources/b5e68264-7d4d-42a9-88d4-5616c77c6baa",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "funding-source"
              },
              "remove": {
                  "href": "https://api-sandbox.dwolla.com/funding-sources/b5e68264-7d4d-42a9-88d4-5616c77c6baa",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "funding-source"
              },
              "transfer-send": {
                  "href": "https://api-sandbox.dwolla.com/transfers",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "transfer"
              },
              "transfer-receive": {
                  "href": "https://api-sandbox.dwolla.com/transfers",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "transfer"
              },
              "account": {
                  "href": "https://api-sandbox.dwolla.com/accounts/ad5f2162-404a-4c4c-994e-6ab6c3a13254",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "account"
              }
          },
          "id": "b5e68264-7d4d-42a9-88d4-5616c77c6baa",
          "status": "verified",
          "type": "bank",
          "bankAccountType": "checking",
          "name": "ABC Bank Checking",
          "created": "2019-03-14T15:18:51.336Z",
          "removed": false,
          "channels": [
              "ach"
          ],
          "bankName": "SANDBOX TEST BANK"
      },
      {
          "_links": {
              "self": {
                  "href": "https://api-sandbox.dwolla.com/funding-sources/b268f6b9-db3b-4ecc-83a2-8823a53ec8b7",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "funding-source"
              },
              "balance": {
                  "href": "https://api-sandbox.dwolla.com/funding-sources/b268f6b9-db3b-4ecc-83a2-8823a53ec8b7/balance",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "balance"
              },
              "transfer-send": {
                  "href": "https://api-sandbox.dwolla.com/transfers",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "transfer"
              },
              "with-available-balance": {
                  "href": "https://api-sandbox.dwolla.com/funding-sources/b268f6b9-db3b-4ecc-83a2-8823a53ec8b7",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "funding-source"
              },
              "transfer-receive": {
                  "href": "https://api-sandbox.dwolla.com/transfers",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "transfer"
              },
              "account": {
                  "href": "https://api-sandbox.dwolla.com/accounts/ad5f2162-404a-4c4c-994e-6ab6c3a13254",
                  "type": "application/vnd.dwolla.v1.hal+json",
                  "resource-type": "account"
              }
          },
          "id": "b268f6b9-db3b-4ecc-83a2-8823a53ec8b7",
          "status": "verified",
          "type": "balance",
          "name": "Balance",
          "created": "2014-07-09T20:39:33.000Z",
          "removed": false,
          "channels": []
      }
    ]
  }
}

When the funding sources are successfully retrieved, you will receive a 200 HTTP response with the details of the funding sources. After retrieving the funding sources, we recommend storing the full URL for future use as it will be referenced when creating the transfer to this end user’s bank account.

Step 2: Add a funding source

Step 4: Create a transfer

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Financial institutions play an important role in our network.

All funds transfers made using the Dwolla Platform are performed by a financial institution partner, and any funds held in a Dwolla Balance are held by a financial institution partner. Learn more about our financial institution partners.