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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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Step 5: Initiating a transfer #

Create a transfer by specifying Joe Buyer’s funding source as the source and Jane Merchant’s funding source as the destination.

var requestBody = {
  _links: {
    source: {
    destination: {
  amount: {
    currency: "USD",
    value: "225.00",

// For Dwolla API applications, an appToken can be used for this endpoint. (https://docs.dwolla.com/#application-authorization)
  .post("transfers", requestBody)
  .then((res) => res.headers.get("location")); // => 'https://api.dwolla.com/transfers/d76265cd-0951-e511-80da-0aa34a9b2388'

Retrieve the status of your transfer #

You can check the status of the newly created transfer by retrieving the transfer by its URL.

Request and response (view schema in raw)

var transferUrl =

// For Dwolla API applications, an appToken can be used for this endpoint. (https://docs.dwolla.com/#application-authorization)
appToken.get(transferUrl).then((res) => res.body.status); // => 'pending'

That’s it! You’ve successfully transferred money from Joe Buyer to Jane Merchant. Please continue to the Webhooks guide for information on implementing notifications for your customers about the transfer.

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Use sandbox environment to test API requests.

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Financial institutions play an important role in our network.

Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to our financial institution partners.

Dwolla is an agent of Veridian Credit Union. All ACH and Wire transfers are performed by Veridian Credit Union. Your Dwolla Balance, if any, is held in one or more pooled holding accounts held by Veridian Credit Union. These funds may not be eligible for share insurance by the National Credit Union Share Insurance Fund.

Sponsorship and Settlement of Push-to-Debit payment services provided by MetaBank®, N.A.
Push-to-Debit payments are typically available within 30 minutes.

Real-Time Payments are performed by Cross River Bank, which holds funds on behalf of the Receiver of such transactions in one or more pooled custodial accounts. These funds are not subject to FDIC pass-through deposit insurance.