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Overview: Send money to your users

In this guide, we’ll cover the key points of transferring money:

  • Create a receiving customer for the funds
  • Associate a funding source (bank or credit union account) with the customer
  • Transfer fund to a customer’s linked account

Before you begin

You need to have a Sandbox account already set up.

Choose the experience you want for your customers

Dwolla offers two different paths for you to onboard your customers onto the payment platform. If you want to keep Dwolla in the background, choose our Access API. Otherwise, tap into Dwolla’s co-branded OAuth experience. Contact sales for information about pricing for each option.

Regardless of which option you implement, the first step is to onboard recipients for your transfer, along with ensuring a funding source is added where money will be sent. Dwolla’s branded experience prompts your recipients for their bank or credit union account information. Otherwise, if you choose to integrate with the Access API, your application will need to capture the recipient’s bank account information to pass through to Dwolla for secure storage.

Next step: Choose your onboarding experience

After this step you will be directed back to step 2 where the remaining process is the same.


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.