Step 1: Create a Dwolla Direct account for the recipient

In this experience, the user on-boarding process of Dwolla account creation and adding a bank account is built into our co-branded OAuth flow.

Step A. Construct OAuth authorization request URL.

Create a URL to send the user to in order to create a new Dwolla Direct account. Optionally, you can set the dwolla_landing querystring parameter to register which will prompt the user to create an account as opposed to login with an existing account. When the user has created a Direct account, they’ll be prompted to give your application permission to access their account, and if they agree, they will be redirected back to your application. Read about OAuth.

URL Format:{client_id}&response_type=code&redirect_uri={redirect_uri}&scope={scope}&dwolla_landing=register

Example URL:

Step B: Redirect back to your application

The user is then redirected back to your application with an authorization code. This authorization code is then exchanged for an OAuth account access token for the user’s newly created account. Your application should store the newly created account ID for later sends to this user.

Example redirect with authorization code:

Content-Type: application/json

  "client_id": "JCGQXLrlfuOqdUYdTcLz3rBiCZQDRvdWIUPkw++GMuGhkem9Bo",
  "client_secret": "g7QLwvO37aN2HoKx1amekWi8a2g7AIuPbD5C/JSLqXIcDOxfTr",
  "code": "sZCE4BTG7Cw4O",
  "grant_type": "authorization_code",
  "redirect_uri": ""
  "_links": {
    "account": {
      "href": ""
  "access_token": "2U2HdYXyQfdZN4hQeQKstadbmqC40mrsVMmzi6Up62R36eFTHW",
  "expires_in": 3600,
  "refresh_token": "aClhbl9euHAq31ldke51DcN0ml2ZAAfBIT7PDhyYXoLCEtGQHO",
  "refresh_expires_in": 5184000,
  "token_type": "bearer",
  "scope": "transactions|funding",
  "account_id": "4bb512e4-ad4d-4f7e-bfd0-a232007f21a1"

You won’t need to use the access token for the Dwolla Direct user, all we need from the above response is their account URL.

Step C. Create an account access token to access your own account

Next, you’ll need to generate an access token for your own account, which you’ll use to transfer funds from your account to the newly created Direct account.

Navigate to the applications page to generate an account access token.

Before selecting the “Create token” button, make sure your created application has at least the Send and Funding scopes in order to send funds from your own account. Once you select the Create token button, you’ll receive an access and refresh token pair that contains the proper scopes for sending money. More detail for implementing the OAuth flow can be found in API docs. Important: this access token will allow you to send money from your own account, so be sure to securely store it.

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.