• Getting Started
    Generate an OAuth Access Token
    Send Money to Users
    Receive Money from Users
    Transfer Money Between Users
    Transfer Money Me-to-Me
    Building With Drop-in Components
  • Customers
    Create a Business Verified Customer
    Create a Personal Verified Customer
  • Funding Sources
    Add a Debit Card Using Dwolla-cards.js
    Add a Bank Using Dwolla.js
    Add a Bank Using Dwolla.js + IAV
    Verify Bank with Micro-deposits
    Add Bank via Dwolla + Plaid Integration
  • Webhooks
    Working with Webhooks

Testing Funding Sources #

Test bank account numbers #

Dwolla requires a valid U.S. routing number and a random account number between 4-17 digits to add a bank account. For testing purposes, you can use the routing number 222222226 or refer to the list of routing numbers from the Federal Reserve Bank Services website.

Simulate IAV success and error scenarios in Sandbox #

Dwolla's Sandbox environment uses a fake service which allows you to simulate the end user experience for adding and verifying a bank account within the IAV flow. The default "success" scenario is a happy path flow that includes: a single set of MFA questions, presentation of two valid accounts and one account without a routing number. Any text can be entered in the input fields to allow you to proceed through the IAV flow.

To help you test error scenarios, a flag and an option can be used in the first field (usually username or ID) for the bank you are trying to authenticate. The remaining input fields in the flow can be any string of text, as we allow you to proceed through the flow regardless of the information entered.

List of flag and option values for testing IAV errors
FlagOptionUser-facing message
-eInvalidLoginPlease make sure your login or security information is correct.
-eAccountNotFoundSorry, we’re unable to find your {BANK NAME} account. Please try again or use a different account.
-eUnsupportedSiteSorry, that financial institution is not supported. If possible, please choose a different one or an alternative method for connecting your financial institution.
-eAlreadyLoggedInIf you're currently logged in to your {BANK NAME} account, please log out and try again.
-eVisitSiteWe’re unable to process your information because the {BANK NAME} site is currently requiring additional action from you. Please resolve this, then try again.
-eUnavailableSiteSorry, there seem to be some technical difficulties while attempting to process your information. Please try again later.

Test micro-deposit verification #

If your application leverages the micro-deposit method of bank verification, Dwolla will transfer two deposits of less than $0.10 to your customer's linked bank or credit union account after calling the API to initiate micro-deposits. Since the Sandbox environment doesn't replicate any bank transfer processes, any two amounts below $0.10 will allow you to verify the funding source immediately. In Production, when the micro-deposits have finished processing, you will receive a customer_microdeposits_completed event. To trigger this event in Sandbox, you need to simulate bank transfer processing. Check out the testing transfers section for more information on how to simulate bank transfer processing in Sandbox.

Use our step-by-step guide to verify a funding-source with micro-deposits.

Test micro-deposit failed verification attempts #

When verifying a funding source using the micro-deposit method of bank verification, users are allowed three attempts to correctly input the two posted micro-deposit amounts. If the user fails to verify the two posted amounts on the third attempt, an event will be triggered and the funding source will not be verified using those micro-deposit amounts. To simulate the microdeposits_maxattempts or customer_microdeposits_maxattempts events in the Sandbox, use the amounts 0.09 and 0.09 when calling the API to verify micro-deposits. Reference the micro-deposit verification guide for more information on handling failed verification attempts.

Test debit card numbers #

Dwolla requires a valid card number to add a debit card. For testing purposes, you can use the following card numbers,

  • Visa - 4111 1111 1111 1111
  • MasterCard - 5555 5555 5555 4444
Check out our step-by-step guide on adding a debit card using dwolla-cards.js

Test debit card failures #

To help you test error scenarios, an option can be used in the Cardholder Name field for the debit card you are trying to add.

List of options for testing Debit card errors
OptionError message
pushfunds ineligibleThe card is ineligible for push-to-card.
actioncode invalidThe card could not be verified.
cvv invalidThe CVV or expiration date is invalid.
address invalidThe address is invalid.
Also check out the list of all possible errors when adding a Debit card.

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Use sandbox environment to test API requests.

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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.