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  • Getting Started
    Testing in the Sandbox
    Generate an OAuth Access Token
    Send Money to Users
    OverviewStep 1: Create a customerStep 2: Add a funding sourceStep 3: Retrieve funding sourcesStep 4: Create a transfer
    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
    Create a Webhook Subscription
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Send money to your users #

This guide is designed to get you up and running quickly through creating a one-time transfer to an end user via the Dwolla API. In this guide we’ll cover the basics of integrating the most lightweight payment flow, sending funds (also referred to as “payouts”), by outlining and walking through the necessary steps, to create a bank transfer. For simplicity, we’ll represent a one-to-one transfer between two users, where the source user is identified as the Master Dwolla account and the destination user is an individual or business that has been on-boarded via the Dwolla API.

If your use case involves sending many payments in a single batch, it’s recommended that you leverage our Mass Payment API which allows you to send up to 5000 payments with a single API request.

Funds Flow Receive Money

Key Concepts #

In this quickstart guide, you’ll learn the key concepts involved with sending money to a recipient’s bank account:

  1. Choosing and creating the Customer type for your recipient
  2. Attaching a funding source (bank account) to the receive-only User
  3. Retrieving the available funding sources
  4. Sending funds to the Receive-Only User

Before you begin #

We encourage you to create a sandbox account, if you haven’t already. This will allow you to follow along with the steps outlined in this guide. Check out our Sandbox guide to learn more.

After creating a sandbox account, you’ll obtain your API Key and Secret, which are used to obtain an OAuth access token. An access token is required in order to authenticate against the Dwolla API. Learn more about how to obtain an access token in our guide.

Lastly, in this sandbox walkthrough, we recommend having an active webhook subscription. This will help notify your application of various events that occur within Dwolla. Check out our guide to learn more.

Let’s get started!

Test in the Sandbox for free today.

Use sandbox environment to test API requests.

Get API Keys
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Financial institutions play an important role in our network.

Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to our financial institution partners.

Dwolla is an agent of Veridian Credit Union. All ACH and Wire transfers are performed by Veridian Credit Union. Your Dwolla Balance, if any, is held in one or more pooled holding accounts held by Veridian Credit Union. These funds may not be eligible for share insurance by the National Credit Union Share Insurance Fund.

Sponsorship and Settlement of Push-to-Debit payment services provided by MetaBank®, N.A.
Push-to-Debit payments are typically available within 30 minutes.

Real-Time Payments are performed by Cross River Bank, which holds funds on behalf of the Receiver of such transactions in one or more pooled custodial accounts. These funds are not subject to FDIC pass-through deposit insurance.