Getting started in Sandbox

Sandbox environment

The Sandbox environment is a complete replica of the Dwolla production environment, supporting all of the same API endpoints. Applications should be tested against the Sandbox environment before being used in production.

Differences from production environment

  • The Sandbox contains only test data and is completely separate from your production account
  • Actual money is not sent or received as part of test transactions. Real financial data should never be used in the Sandbox
  • All Access API endpoints have a base URL of instead of

Transfer behavior in the Sandbox

Unlike balance sourced transfers, which are processed instantaneously, bank-sourced transfers exist in the pending state for a few business days until they are processed, failed, cancelled, or reclaimed.

The Sandbox environment does not replicate any ACH processes, so a pending transfer will not clear or fail automatically after a few business days as it would in production. It will simply remain in the pending state indefinitely. Reference our testing resource article for more information on how-to simulate bank transfer processing in the Sandbox environemnt.

Sandbox setup

During Sandbox account creation, Dwolla will associate a funding source, add $1000 to the account balance, and create an application. Once your account is created, you’ll be redirected to our Sandbox Dashboard at where you can view your API key and secret and generate an OAuth access token.

Create your Sandbox account

You’re ready to start sending money in the Sandbox! To simplify development, learn about configuring and using our SDKs. You can jump straight into the API docs or continue to the next guide below.

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.