Sending funds from the Customer’s checking account to their savings account.
The first step is to determine where the funds are being sourced from and where the funds are going to.
Source
- Your Customer’s Checking Bank Funding SourceDestination
- Your Customer’s Savings Bank Funding SourceSince you are utilizing a me-to-me
funds flow, you will need to know that there are two parts to a transfer,
To initiate a transfer, we will need to specify the source and destination funding source URLs in the _links
parameter.
clearing
to specify the processing timing for the transfer, or correlationId
to help correlate transfers from end-to-end. The object facilitator-fee
isn't supported for this funds flow. For more information on all available transfer request parameters, check out our API reference documentation. var transferRequest = {
_links: {
source: {
href:
"https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4",
},
destination: {
href:
"https://api-sandbox.dwolla.com/funding-sources/3152c22b-3d72-442d-a83b-e575df3a043e",
},
},
amount: {
currency: "USD",
value: "225.00",
},
};
appToken.post("transfers", transferRequest).then(function (res) {
res.headers.get("location"); // => 'https://api-sandbox.dwolla.com/transfers/81643da1-b1b3-e911-811b-f08aa77f5aa3'
});
When the transfer is created, you will receive a 201
HTTP response with an empty response body. You can refer to the location header to retrieve a link to the created transfer resource. We recommend storing this URL or the transferId for future use.
If you have an active webhook subscription (required in production & optional in Sandbox), you will receive the customer_bank_transfer_created
webhook immediately after the transfer resource has been created. This denotes that the first part of the transfer has been initiated from the checking bank funding source to the Balance funding source.
To simulate bank transfer processing in the Dwolla Sandbox environment, navigate to the Sandbox Dashboard. From here, you will want to click the “Process Bank Transfers” button on the top of the screen. Your Sandbox transfer will be moved out of a pending status and moved to a processed status.
Production bank transfer processing timing
While pending bank transfers can be processed at any time in the Sandbox, behavior will vary in production depending on if your application has access to expedited transfers versus standard ACH transfer times. Refer to our developer resource article to learn more on transfer timing in production.
If you have an active webhook subscription (required in production & optional in Sandbox), you will receive the customer_bank_transfer_completed
webhook when the status of the first part of the transfer has changed from pending
to processed
. The second part of the transfer is then automatically initiated from the Balance funding source to the savings bank funding-source which triggers another customer_bank_transfer_created
webhook. Repeat Step 4C to simulate bank transfer processing again. Once the transfer has cleared into the final destination bank funding source, you will receive another customer_bank_transfer_completed
webhook denoting that the transfer is now complete.
Since ACH transfers in production can take a few days to complete, webhooks are an efficient way to notify you of when a transfer’s status has been updated from pending
to processed
to a destination funding source. However, if you want to verify the status of a transfer at any given point in time, you can make a call to the API to retrieve the transfer by its unique id.
{
"_links": {
"self": {
"href": "https://api-sandbox.dwolla.com/transfers/81643da1-b1b3-e911-811b-f08aa77f5aa3",
"type": "application/vnd.dwolla.v1.hal+json",
"resource-type": "transfer"
},
"source": {
"href": "https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4",
"type": "application/vnd.dwolla.v1.hal+json",
"resource-type": "funding-source"
},
"destination": {
"href": "https://api-sandbox.dwolla.com/customers/cf3f1ad4-fc48-45d3-8aff-0ef5577b8a17",
"type": "application/vnd.dwolla.v1.hal+json",
"resource-type": "customer"
},
"funded-transfer": {
"href": "https://api-sandbox.dwolla.com/transfers/a00ff82d-73b4-e911-811b-f08aa77f5aa3",
"type": "application/vnd.dwolla.v1.hal+json",
"resource-type": "transfer"
}
},
"id": "81643da1-b1b3-e911-811b-f08aa77f5aa3",
"created": "2019-08-01T15:32:05.620Z",
"status": "processed",
"amount": {
"value": "225.00",
"currency": "USD"
},
"individualAchId": "IQ8M922R"
}
{
"_links": {
"self": {
"href": "https://api-sandbox.dwolla.com/transfers/a00ff82d-73b4-e911-811b-f08aa77f5aa3",
"type": "application/vnd.dwolla.v1.hal+json",
"resource-type": "transfer"
},
"source": {
"href": "https://api-sandbox.dwolla.com/customers/cf3f1ad4-fc48-45d3-8aff-0ef5577b8a17",
"type": "application/vnd.dwolla.v1.hal+json",
"resource-type": "customer"
},
"destination": {
"href": "https://api-sandbox.dwolla.com/funding-sources/3152c22b-3d72-442d-a83b-e575df3a043e",
"type": "application/vnd.dwolla.v1.hal+json",
"resource-type": "funding-source"
},
"funding-transfer": {
"href": "https://api-sandbox.dwolla.com/transfers/81643da1-b1b3-e911-811b-f08aa77f5aa3",
"type": "application/vnd.dwolla.v1.hal+json",
"resource-type": "transfer"
}
},
"id": "a00ff82d-73b4-e911-811b-f08aa77f5aa3",
"created": "2019-08-01T15:44:06.290Z",
"status": "processed",
"amount": {
"value": "225.00",
"currency": "USD"
},
"individualAchId": "IQKBPJAY"
}
Use sandbox environment to test API requests.
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.