Dwolla Developers Logo
  • Getting Started
    Testing in the Sandbox
    Generate an OAuth Access Token
    Send Money to Users
    Receive Money from Users
    Transfer Money Between Users
    Transfer Money Me-to-Me
    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
API DocsOpen in new tabChangelog
Get API Keys
API DocsOpen in new tabChangelog
Get API Keys

Example scenario #

Let's assume that you have a webhook subscription and Dwolla has just delivered the following payload to your specified endpoint:

Webhook payload example
  "id": "cac95329-9fa5-42f1-a4fc-c08af7b868fb",
  "resourceId": "cdb5f11f-62df-e611-80ee-0aa34a9b2388",
  "topic": "customer_transfer_created",
  "timestamp": "2017-01-20T22:45:12.790Z",
  "_links": {
    "self": {
      "href": "https://api-sandbox.dwolla.com/events/cac95329-9fa5-42f1-a4fc-c08af7b868fb"
    "account": {
      "href": "https://api-sandbox.dwolla.com/accounts/ad5f2162-404a-4c4c-994e-6ab6c3a13254"
    "resource": {
      "href": "https://api-sandbox.dwolla.com/transfers/cdb5f11f-62df-e611-80ee-0aa34a9b2388"
    "customer": {
      "href": "https://api-sandbox.dwolla.com/customers/e358a488-6699-4d79-bbfb-c5bf58100ea4"
  "created": "2017-01-20T22:45:12.790Z"

For illustrative purposes, let's assume you are using Ruby on Rails with a controller defined to handle the POST request from Dwolla's servers. Your application logic will look a little something like this:

require 'dwolla_swagger'

if params[:topic] == 'transfer_completed'
  transfer = DwollaSwagger::TransfersApi.by_id(params[:links][:resource][:href])

  transfer._embedded.each do |k, v|
    # Retrieve customer info from your database
    # or from Dwolla here, and then send notifications
elsif params[:topic] == 'another_event'

Let's recap. From the event we can retrieve the transfer and then take a look at the _links object and retrieve the customers that need to be notified. From here, you can make a call to customers/{id} to retrieve their e-mail addresses (or to your own database) so that you can send your notification message.

That's it! You’ve learned the basics of webhooks.

Test in the Sandbox for free today.

Use sandbox environment to test API requests.

Get API Keys
2021 All Rights Reserved


  • About
  • Blog
  • Pricing
  • Contact Sales
  • Terms of Service
  • Privacy Policy
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.