Step 4: Creating an Unverified Customer

Now that we’ve created a customer for Jane Merchant and associated a funding source, we’ll do the same for Joe Buyer, but this time we’ll create an Unverified Customer, and a verified funding source which is capable of sending money.

Provide the user’s full name, email address, and IP address to create the Customer. More detail is available in API docs.

Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q
"firstName": "Joe",
"lastName": "Buyer",
"email": ""

HTTP/1.1 201 Created
request_body = {
  :firstName => 'Joe',
  :lastName => 'Buyer',
  :email => '',
  :ipAddress => ''

# Using DwollaV2 - (Recommended)
customer = "customers", request_body
customer.response_headers[:location] # => ""

var requestBody = {
  firstName: 'Joe',
  lastName: 'Buyer',
  email: '',
  ipAddress: ''

  .post('customers', requestBody)
  .then(res => res.headers.get('location')); // => ''
request_body = {
  'firstName': 'Joe',
  'lastName': 'Buyer',
  'email': '',
  'ipAddress': ''

# Using dwollav2 - (Recommended)
customer ='customers', request_body)
customer.headers['location'] # => ''
$customersApi = new DwollaSwagger\CustomersApi($apiClient);

$new_customer = $customersApi->create([
  'firstName' => 'Joe',
  'lastName' => 'Buyer',
  'email' => '',
  'ipAddress' => ''

print($new_customer); # =>
CustomersApi cApi = new CustomersApi(a);

CreateCustomer newCustomerData = new CreateCustomer();


try {
    Unit$ r = cApi.create(myNewCust);
    System.out.println(r.getLocationHeader()); // =>
catch (Exception e) {
    System.out.println("Something's up!");
  1. Provide the IP address of the end-user accessing your application as the `ipAddress` parameter. This enhances fraud detection and tracking.

When the customer is created, you’ll receive the customer URL in the location header.

Production: Operational

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.