Step 1: Obtain authorization

To subscribe to webhooks, you must first obtain client authorization via OAuth. You will be requesting these credentials on the behalf of your own application, so there will be no OAuth permissions dialog; you are only required to provide your client_id and client_secret.

To generate an application access token, you’ll need to initiate a POST request to in our UAT (Sandbox) environment or in our production environment. The Content-Type: application/json header should be included if passing your clientid, clientsecret, and grant_type via a JSON-encoded request body.

NOTE: Currently, the Dwolla/Swagger SDKs do not contain the capability to do this, so you must use an external REST client.


Content-Type: application/json

  "client_id": "foo",
  "client_secret": "bar",
  "grant_type": "client_credentials"


  "access_token": "(...)",
  "token_type": "bearer",
  "expires_in": 3600

Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and 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 and Compass Bank.