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Step 2: Fetch funding sources

No matter which method you used to set up your customers, the remaining steps of sending money are the same. Please note the difference in terminology between the two onboarding experiences:

SolutionRecipient
White label solutionCustomer
Co-brandedAccount

Now that you’ve created a Customer or an Account and associated its funding source, you can initiate your first transfer. The transfer requires the following information:

  • The funding source to pull the funds from (your linked bank account)
  • The recipient to push the funds to

Dwolla uses URLs to represent relations between resources. Therefore, you’ll need to provide the full URL of the funding source and recipient.

Fetch your Account’s list of available funding sources

Use the list an account’s funding sources endpoint to fetch a list of your own funding sources. You’ll need your account URL which can be retrieved by calling the Root of the API.

Request and response (view schema in ‘raw’)

GET https://api-uat.dwolla.com/accounts/4BB512E4-AD4D-4F7E-BFD0-A232007F21A1/funding-sources
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q

{
  "_links": {
    "self": {
      "href": "https://api-uat.dwolla.com/accounts/4bb512e4-ad4d-4f7e-bfd0-a232007f21a1/funding-sources"
    }
  },
  "_embedded": {
    "funding-sources": [
      {
        "_links": {
          "self": {
            "href": "https://api-uat.dwolla.com/funding-sources/0094b1b4-e171-4dc8-865b-cb121c2377bb"
          },
          "account": {
            "href": "https://api-uat.dwolla.com/accounts/4bb512e4-ad4d-4f7e-bfd0-a232007f21a1"
          },
          "with-available-balance": {
            "href": "https://api-uat.dwolla.com/funding-sources/0094b1b4-e171-4dc8-865b-cb121c2377bb"
          }
        },
        "id": "0094b1b4-e171-4dc8-865b-cb121c2377bb",
        "status": "verified",
        "type": "balance",
        "name": "Balance",
        "created": "2013-09-07T14:42:52.000Z"
      },
      {
        "_links": {
          "self": {
            "href": "https://api-uat.dwolla.com/funding-sources/5cfcdc41-10f6-4a45-b11d-7ac89893d985"
          },
          "account": {
            "href": "https://api-uat.dwolla.com/accounts/4bb512e4-ad4d-4f7e-bfd0-a232007f21a1"
          }
        },
        "id": "5cfcdc41-10f6-4a45-b11d-7ac89893d985",
        "status": "verified",
        "type": "bank",
        "name": "ABC Bank Checking",
        "created": "2014-09-04T23:19:19.543Z"
      }
    ]
  }
}
account_url = 'https://api.dwolla.com/accounts/4bb512e4-ad4d-4f7e-bfd0-a232007f21a1'

# Using DwollaV2 - https://github.com/Dwolla/dwolla-v2-ruby (Recommended)
funding_sources = account_token.get "#{account_url}/funding-sources"
funding_sources._embedded['funding-sources'][0].name # => "ABC Bank Checking"

# Using DwollaSwagger - https://github.com/Dwolla/dwolla-swagger-ruby
funding_sources = DwollaSwagger::FundingsourcesApi.get_account_funding_sources(account_url)
# Access desired information in response object fields
p funding_sources._embedded # => Ruby Hash of _embedded contents in schema
var accountUrl = 'https://api-uat.dwolla.com/accounts/4bb512e4-ad4d-4f7e-bfd0-a232007f21a1';

accountToken
  .get(`${accountUrl}/funding-sources`)
  .then(function(res) {
    res.body._embedded['funding-sources'][0].name; // => 'ABC Bank Checking'
  });
account_url = 'https://api.dwolla.com/accounts/4bb512e4-ad4d-4f7e-bfd0-a232007f21a1'

# Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python (Recommended)
funding_sources = account_token.get('%s/funding-sources' % account_url)
funding_sources.body['_embedded']['funding-sources'][0]['name'] # => 'ABC Bank Checking'

# Using dwollaswagger - https://github.com/Dwolla/dwolla-swagger-python
fs_api = dwollaswagger.FundingsourcesApi(client)
funding_sources = fs_api.get_account_funding_sources(account_url)
# Access desired information in response object fields
print(funding_sources._embedded) # => Python Dict of _embedded contents in schema
<?php
$accountUrl = 'https://api.dwolla.com/accounts/4BB512E4-AD4D-4F7E-BFD0-A232007F21A1';

$fsApi = new DwollaSwagger\FundingsourcesApi($apiClient);

$fundingSources = $fsApi->getAccountFundingSources($accountUrl);
# Access desired information in response object fields
print($fundingSources->_embedded) # => PHP associative array of _embedded contents in schema
?>

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.