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  • Getting Started
    Testing in the Sandbox
    Generate an OAuth Access Token
    Send Money to Users
    Receive Money from Users
    Transfer Money Between Users
    OverviewStep 1: Create a Verified CustomerStep 2: Create unverified funding sourceStep 3: Create Unverified CustomerStep 4: Add verified funding sourceStep 5: Create transfer
    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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Transfer Money Between your Users #

The most common scenario for this guide is to facilitate marketplace or peer-to-peer transfers between your customers.

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

  • Create a Verified Customer who will receive the transfer
  • Create an Unverified Customer who will send the transfer
  • Associate a verified funding source (bank or credit union account) with the sender
  • Associate an unverified funding source (bank or credit union account) with recipient
  • Transfer funds from the sender’s funding source to the recipient’s funding source
Funds Flow Facilitate Transfers

Before you begin #

You need to have a Sandbox account already set up.

Verified and Unverified Customers #

Here are some rules to keep in mind:

  1. With a transfer of money, at least one party must complete the identity verification process, either the sender or the receiver. It’s your decision about which party completes this process, based on your business model, and you may want to have both parties complete the identity verification process.
  2. The sender must have a verified funding source. Unverified funding sources can only receive money, not send.

In this guide, we’ll create two Customers: one to represent a seller and one to represent a buyer. In this scenario, the seller, Jane Merchant, is a Verified Customer with an unverified funding source. The buyer, Joe Buyer, is an Unverified Customer with a verified funding source.

This is a suggested approach and there are other ways you can implement your marketplace transfers. For instance, both the sender and the receiver (or buyer and seller) could be Verified Customers, and both could have verified funding sources. Or, you could have the sender undergo identity verification but not the recipient.

Looking to learn more about each Customer type and how it relates to your funds flow? Take a look at our Customer types article for more information.

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Financial institutions play an important role in our network.

All funds transfers made using the Dwolla Platform are performed by a financial institution partner, and any funds held in a Dwolla Balance are held by a financial institution partner. Learn more about our financial institution partners.