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  • Getting Started
    Testing in the Sandbox
    Generate an OAuth Access Token
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    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
    Overview: WebhooksStep 1: Create subscriptionStep 2: Validating webhooksExample: Process webhooks
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Step 1: Create a webhook subscription #

Each application can have multiple subscriptions associated to it. While one subscription is sufficient, you can create up to ten for redundancy.

Security considerations:

Your webhook endpoint should only be accessible over TLS (HTTPS) and your server should have a valid certificate. Your subscription should include a random, secret key, only known by your application. This secret key should be securely stored and used later when validating the authenticity of the webhook request from Dwolla.

var requestBody = {
  url: "http://myawesomeapplication.com/destination",
  secret: "your webhook secret",

  .post("webhook-subscriptions", requestBody)
  .then((res) => res.headers.get("location")); // => 'https://api-sandbox.dwolla.com/webhook-subscriptions/5af4c10a-f6de-4ac8-840d-42cb65454216'

You can retrieve your newly created subscription by its resource location:

var webhookSubscriptionUrl =

applicationToken.get(webhookSubscriptionUrl).then((res) => res.body.created); // => '2016-04-20T15:49:50.340Z'

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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.