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    Transfer Money Me-to-Me
    OverviewStep 1: Create a customerStep 2: Add funding sourcesStep 3: Retrieve funding sourcesStep 4: Create transfer
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Transfer Money Me-to-Me #

This guide is designed to get you up and running quickly through creating a bank to bank transfer between a verified Customer’s two bank accounts. In this guide we’ll cover the basics of integrating this payment flow by walking through the steps needed to onboard your end-user as a verified Customer and create the bank to bank transfer.

Funds Flow Me-to-Me

In this quickstart guide, you’ll learn the key concepts involved with sending money between a Customer’s bank accounts.

  1. Choosing a Customer type and creating a verified Customer record
  2. Attaching a source and destination funding source (bank account) to the Customer record
  3. Fetching the available funding sources
  4. Sending funds from the Customer’s checking account to the Customer’s savings account

Before you begin #

We encourage you to create a sandbox account, if you haven’t already. This will allow you to follow along with the steps outlined in this guide. Check out our Sandbox guide to learn more.

After creating a sandbox account, you’ll obtain your API Key and Secret, which are used to obtain an OAuth access token. An access token is required in order to authenticate against the Dwolla API. Learn more about how to obtain an access token in our guide.

Lastly, in this sandbox walkthrough, we recommend having an active webhook subscription. This will help notify your application of various events that occur within Dwolla. Check out our guide to learn more.

Let’s get started!

Test in the Sandbox for free today.

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.