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.
  • All API endpoints have a base URL of instead of
  • Actual money is not sent or received as part of test transactions.
  1. Real financial data should never be used in the Sandbox.

Transfer behavior in the Sandbox

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

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 environment.

Sandbox setup

To set up your Sandbox account, all we ask for is a valid email address. Once you agree to the Dwolla Developer Terms and Service, you will receive an email asking to verify your email address.

Please note: Failure to verify your email will result in a 401 HTTP status for all API calls with an error code of InvalidAccountStatus.

After email verification, your Sandbox account will be created and you’ll be redirected to our Sandbox Dashboard at Here you can view your API key and secret and generate an OAuth access token. Dwolla will also associate a funding source, add $5000 to the account balance, and create an application.

Create your Sandbox account

Next Steps

Once you have a valid Sandbox account, you can start making calls to the API. To simplify development, learn about configuring and using our SDKs. You can also jump straight into the API docs or continue to our guides for step by step instructions for your appropriate funds flow.

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.