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.

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 setup 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!

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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.