# Dwolla Developer Portal ## Docs - [Guides and Concepts](https://developers.dwolla.com/docs.md): Everything you need to understand, build, and launch your payment integration - [Overview](https://developers.dwolla.com/docs/api-reference.md): Comprehensive, structured, and up-to-date documentation for all Dwolla API endpoints, parameters, request/response schemas, and usage examples. - [Overview](https://developers.dwolla.com/docs/api-reference/accounts.md): Endpoints for your Main Dwolla account that include funding source creation, mass payment and transfer listings, and retrieving account details. - [Create a funding source for an account](https://developers.dwolla.com/docs/api-reference/accounts/create-a-funding-source-for-an-account.md): Create a funding source by adding a bank account to a Main Dwolla Account. This endpoint allows you to connect a checking or savings account using either manual bank account details or an exchange resource. - [List and search account transfers](https://developers.dwolla.com/docs/api-reference/accounts/list-and-search-transfers-for-an-account.md): Returns a paginated, searchable list of transfers associated with the specified Main Dwolla account. Supports advanced filtering by amount range, date range, transfer status, and correlation ID. Results are limited to 10,000 transfers per query; use date range filters for historical data beyond this… - [List funding sources for an account](https://developers.dwolla.com/docs/api-reference/accounts/list-funding-sources-for-an-account.md): Get a list of all funding sources associated with a specific Main Dwolla Account. This endpoint returns both bank accounts and balance funding sources, with detailed information about each funding source's status, type, and available processing channels. - [List account mass payments](https://developers.dwolla.com/docs/api-reference/accounts/list-mass-payments-for-an-account.md): Returns a paginated list of mass payments created by your Main Dwolla account. Results are sorted by creation date in descending order (newest first) and can be filtered by correlation ID. - [Retrieve account details](https://developers.dwolla.com/docs/api-reference/accounts/retrieve-account-details.md): Returns basic account information for your authorized Main Dwolla Account, including account ID, name, and links to related resources such as funding sources, transfers, and customers. - [Overview](https://developers.dwolla.com/docs/api-reference/api-fundamentals.md): Streamline A2A Payments with Dwolla: Understand the API Fundamentals. Explore request/response structures, authentication, error handling, and more. - [Debugging with X-Request-ID](https://developers.dwolla.com/docs/api-reference/api-fundamentals/debugging.md): Troubleshoot API Request Issues. Discover efficient methods to identify and resolve request errors. - [Handling Errors](https://developers.dwolla.com/docs/api-reference/api-fundamentals/errors.md): Dwolla API Errors: Master Error Handling. Grasp standard HTTP status codes, Dwolla error codes, and embedded errors. - [Handling Responses](https://developers.dwolla.com/docs/api-reference/api-fundamentals/handling-responses.md): Learn how to interpret Dwolla API responses including response types, status codes, headers, and body conventions. - [Idempotency Key](https://developers.dwolla.com/docs/api-reference/api-fundamentals/idempotency-key.md): Generate unique keys to prevent accidental duplicate transactions and ensure predictable API behavior. Build robust and reliable financial applications with confidence. - [IP Allowlist](https://developers.dwolla.com/docs/api-reference/api-fundamentals/ip-allowlist.md): Understand IP Allowlisting. Explore how to define authorized IP addresses, prevent unauthorized activity, and troubleshoot Forbidden errors. - [JSON-HAL and Dwolla HAL-Forms](https://developers.dwolla.com/docs/api-reference/api-fundamentals/json-hal-hypermedia.md): Uncover the power of Dwolla HAL-Forms for intuitive API interactions. Grasp JSON-HAL and how Dwolla expands it for dynamic forms. Effortlessly transition between resource states and gain valuable insights for a streamlined integration. - [Making Requests and Authentication](https://developers.dwolla.com/docs/api-reference/api-fundamentals/making-requests-and-authentication.md): Learn how to construct well-formed API requests, set essential headers, and implement robust authentication. - [Rate Limits](https://developers.dwolla.com/docs/api-reference/api-fundamentals/rate-limits.md): Ensure smooth integration by understanding Dwolla's API rate limits. Grasp concurrency and volume-based limits, and learn effective strategies to handle 429 Too Many Requests errors. - [Overview](https://developers.dwolla.com/docs/api-reference/beneficial-owners.md): Create, certify, remove, update and list Beneficial Owners for a Business Verified Customer. - [Certify beneficial ownership](https://developers.dwolla.com/docs/api-reference/beneficial-owners/certify-beneficial-ownership-status.md): Updates the beneficial ownership certification status to "certified", confirming that all beneficial owner information is accurate and complete. This action enables the business customer to send funds and is required to complete the verification process. - [Create customer beneficial owner](https://developers.dwolla.com/docs/api-reference/beneficial-owners/create-beneficial-owner.md): Creates a new beneficial owner for a business verified customer. Beneficial owners are individuals who own 25% or more of the company's equity. Requires personal information, address, and SSN or passport for identity verification. - [Remove beneficial owner](https://developers.dwolla.com/docs/api-reference/beneficial-owners/delete-beneficial-owner.md): Permanently removes a beneficial owner from a business customer. This action is irreversible and the beneficial owner cannot be retrieved after removal. Removing a beneficial owner will change the customer's certification status to "recertify". - [List customer beneficial owners](https://developers.dwolla.com/docs/api-reference/beneficial-owners/list-beneficial-owners.md): Returns all beneficial owners associated with a business verified customer. Beneficial owners are individuals who directly or indirectly own 25% or more of the company's equity. Includes personal information, verification status, and address details for each owner. - [Retrieve beneficial owner](https://developers.dwolla.com/docs/api-reference/beneficial-owners/retrieve-beneficial-owner.md): Returns detailed information for a specific beneficial owner, including personal information, address, and verification status. The verification status indicates the owner's identity verification progress and affects the business customer's transaction capabilities. - [Retrieve beneficial ownership status](https://developers.dwolla.com/docs/api-reference/beneficial-owners/retrieve-beneficial-ownership-status.md): Returns the certification status of beneficial ownership for a business verified customer. Status indicates whether beneficial owner information has been certified and affects the customer's ability to send funds. Possible values include uncertified, certified, and recertify. - [Update beneficial owner](https://developers.dwolla.com/docs/api-reference/beneficial-owners/update-beneficial-owner.md): Updates a beneficial owner's information to retry verification when their status is "incomplete". Only beneficial owners with incomplete verification status can be updated. Used to correct information that caused initial verification to fail. - [Create a client token](https://developers.dwolla.com/docs/api-reference/client-tokens/create-a-client-token.md): Create a client token for secure authentication within Dwolla Drop-in components. Requires a granular permission action and a Customer link to define what operations the end user can perform within the component. Returns a short-lived token for configuring client-side Drop-in components including cu… - [Overview](https://developers.dwolla.com/docs/api-reference/customers.md): Create, search and update Customers, and search for business-classification. - [Create a customer](https://developers.dwolla.com/docs/api-reference/customers/create-a-customer.md): Creates a new customer with different verification levels and capabilities. Supports personal verified customers (individuals), business verified customers (businesses), unverified customers, and receive-only users. Customer type determines transaction limits, verification requirements, and availabl… - [List and search customers](https://developers.dwolla.com/docs/api-reference/customers/list-and-search-customers.md): Returns a paginated list of customers sorted by creation date. Supports fuzzy search across customer names, business names, and email addresses, plus exact filtering by email and verification status. Default limit is 25 customers per page, maximum 200. - [List business classifications](https://developers.dwolla.com/docs/api-reference/customers/list-business-classifications.md): Returns a directory of business and industry classifications required for creating business verified customers. Each business classification contains multiple industry classifications. The industry classification ID must be provided in the businessClassification parameter during business customer cr… - [Retrieve a business classification](https://developers.dwolla.com/docs/api-reference/customers/retrieve-a-business-classification.md): Returns a specific business classification with its embedded industry classifications. Use this endpoint to browse available industry options within a business category and obtain the industry classification ID required for the businessClassification parameter when creating business verified custome… - [Retrieve a customer](https://developers.dwolla.com/docs/api-reference/customers/retrieve-a-customer.md): Retrieve identifying information for a specific customer. The returned data varies by customer type - verified customers include contact details, address information, and verification status, while unverified customers and receive-only users contain basic contact information only. - [Update a customer](https://developers.dwolla.com/docs/api-reference/customers/update-a-customer.md): Update Customer information, upgrade an unverified Customer to a verified Customer, suspend a Customer, deactivate a Customer, reactivate a Customer, and update a verified Customer's information to retry verification. - [Overview](https://developers.dwolla.com/docs/api-reference/documents.md): Create, list, and retrieve documents from Customers and Beneficial Owners. - [Create a document for beneficial owner](https://developers.dwolla.com/docs/api-reference/documents/create-a-document-for-beneficial-owner.md): Uploads an identity verification document for a beneficial owner using multipart form-data. Required when a beneficial owner has "document" status during the business verification process. - [Create a document for customer](https://developers.dwolla.com/docs/api-reference/documents/create-a-document-for-customer.md): Uploads an identity verification document for a customer using multipart form-data. Required when a customer has "document" status during the verification process. - [List documents for beneficial owner](https://developers.dwolla.com/docs/api-reference/documents/list-document-for-beneficial-owner.md): Returns all identity verification documents submitted for a beneficial owner. Includes document status, verification results, document type (passport, driver's license, etc.), and failure reasons if verification was rejected. Used to track document submission and verification progress during the bus… - [List documents for customer](https://developers.dwolla.com/docs/api-reference/documents/list-documents-for-customer.md): Returns all identity verification documents submitted for a customer. Includes document status, verification results, document type (passport, driver's license, etc.), and failure reasons if verification was rejected. Used to track document submission and verification progress during the business ve… - [Retrieve a document](https://developers.dwolla.com/docs/api-reference/documents/retrieve-a-document.md): Returns detailed information about a specific identity verification document, including its status, type, and verification results. Used to track document submission and verification progress during the business verification process. - [Overview](https://developers.dwolla.com/docs/api-reference/events.md): List or retrieve an event using the Dwolla API. - [List events](https://developers.dwolla.com/docs/api-reference/events/list-events.md): Returns a paginated list of events representing state changes to resources in your Dwolla application. Events track actions on customers, transfers, funding sources, and other resources, sorted by creation date (newest first). Events are retained for 30 days and are essential for webhook notificatio… - [Retrieve event](https://developers.dwolla.com/docs/api-reference/events/retrieve-event.md): Returns detailed information for a specific event representing a state change that occurred on a resource in your Dwolla application. Includes the event topic, timestamp, resource links, and correlation ID if applicable. - [Overview](https://developers.dwolla.com/docs/api-reference/exchange-sessions.md): Dwolla Exchange Sessions API connects your app, open banking providers and user banks. Streamline onboarding with instant account verification and leverage Dwolla's pre-integrated solutions. - [Create customer exchange session](https://developers.dwolla.com/docs/api-reference/exchange-sessions/create-customer-exchange-session.md): Creates an exchange session to initiate instant bank account verification for a customer. Supports Plaid and MX open banking partners for faster verification as compared to traditional micro-deposits. - [Create re-authentication exchange session](https://developers.dwolla.com/docs/api-reference/exchange-sessions/create-re-authentication-exchange-session.md): Creates a re-authentication exchange session to refresh a user's bank account connection when their existing authorization is no longer valid. Required when receiving an UpdateCredentials error during bank balance checks or when user re-authentication is needed. - [List available exchange connections](https://developers.dwolla.com/docs/api-reference/exchange-sessions/list-available-exchange-connections.md): Returns available exchange connections for a customer's bank accounts authorized through MX Connect. Each connection includes an account name and availableConnectionToken required to create exchanges and funding sources for transfers. - [Retrieve exchange session](https://developers.dwolla.com/docs/api-reference/exchange-sessions/retrieve-exchange-session.md): Returns details of a previously created exchange session, including URLs and tokens needed to continue the instant account verification flow. Response varies by partner - MX provides redirect URLs while Plaid provides session tokens for Link initialization. - [Overview](https://developers.dwolla.com/docs/api-reference/exchanges.md): Create, list, and retrieve exchanges and exchange partners. - [Create an exchange for a customer](https://developers.dwolla.com/docs/api-reference/exchanges/create-an-exchange-for-a-customer.md): Creates an exchange connection between a customer's external bank account and Dwolla through open banking partners. Acts as the handshake that establishes secure access to the customer's bank account data. Request body varies by partner (Plaid, MX, Flinks, Finicity). - [Create an exchange for an account](https://developers.dwolla.com/docs/api-reference/exchanges/create-an-exchange-for-an-account.md): Create an exchange for an account. The request body will vary based on the exchange partner. For Finicity, the request body will include finicity-specific fields. For MX Secure Exchange, the request body will include a token. For Flinks Secure Exchange, the request body will include a token. For Pla… - [List exchange partners](https://developers.dwolla.com/docs/api-reference/exchanges/list-exchange-partners.md): Returns a list of all supported exchange partners. Each partner includes a unique ID, name, and status indicating whether they are active or inactive. - [List exchanges for a customer](https://developers.dwolla.com/docs/api-reference/exchanges/list-exchanges-for-a-customer.md): Returns all exchanges for a specific customer. Exchanges represent connections between the customer's external bank accounts and open banking partners. Includes exchange status, creation date, and links to associated funding sources and partners. - [List exchanges for an account](https://developers.dwolla.com/docs/api-reference/exchanges/list-exchanges-for-an-account.md): Returns all exchanges for your Dwolla account. Exchanges represent connections between external bank accounts and your account through open banking partners. Includes exchange status, creation date, and associated partner information. - [Retrieve exchange partner](https://developers.dwolla.com/docs/api-reference/exchanges/retrieve-exchange-partner.md): Returns details for a specific open banking provider that integrates with Dwolla. Includes partner name, status, and creation date. Use this to verify partner availability before creating exchanges and funding sources. - [Retrieve exchange resource](https://developers.dwolla.com/docs/api-reference/exchanges/retrieve-exchange-resource.md): Returns details for a specific exchange connection between Dwolla and an open banking partner for a customer's bank account. Includes exchange status, creation date, and links to the associated customer and exchange partner. - [Overview](https://developers.dwolla.com/docs/api-reference/funding-sources.md): Create, update, remove or retrieve a funding source with the API. Use Finicity, MX, or Flinks via Secure Exchange, Plaid, or micro deposits to verify the funding source. - [Create customer funding source](https://developers.dwolla.com/docs/api-reference/funding-sources/create-customer-funding-source.md): Creates a bank account or debit card funding source for a customer. Supports multiple methods including manual entry with routing/account numbers, instant verification using existing open banking connections, tokenized card creation, and virtual account numbers. Bank funding sources require verifica… - [Initiate or Verify micro-deposits](https://developers.dwolla.com/docs/api-reference/funding-sources/initiate-or-verify-micro-deposits.md): Handles micro-deposit bank verification process. Make a request without a request body to initiate two small deposits to the customer's bank account. Include deposit amounts to verify the received values and complete verification. - [List customer funding sources](https://developers.dwolla.com/docs/api-reference/funding-sources/list-customer-funding-sources.md): Returns all funding sources for a customer, including bank accounts, debit card funding sources, and Dwolla balance (verified customers only). Shows verification status, limited account details, and creation dates. Card funding sources include masked card information. Supports filtering to exclude r… - [Retrieve a funding source](https://developers.dwolla.com/docs/api-reference/funding-sources/retrieve-a-funding-source.md): Returns detailed information for a specific funding source, including its type, status, and verification details. Supports bank accounts (via Open Banking), debit card funding sources, and Dwolla balance (verified customers only). Debit card funding sources include masked card details such as brand,… - [Retrieve funding source balance](https://developers.dwolla.com/docs/api-reference/funding-sources/retrieve-funding-source-balance.md): Returns the current balance for a specific funding source. For bank accounts, includes available and closing balances; for Dwolla balance, includes balance and total amounts; for settlement accounts (bankUsageType = card-network), includes available balance only. Supports bank accounts (via Open Ban… - [Retrieve micro-deposits details](https://developers.dwolla.com/docs/api-reference/funding-sources/retrieve-micro-deposits-details.md): Returns the status and details of micro-deposits for a funding source to check verification eligibility. Includes deposit status (pending, processed, failed), creation timestamp, and failure details with ACH return codes if deposits failed. Use this endpoint to determine when micro-deposits are read… - [Retrieve VAN account and routing numbers](https://developers.dwolla.com/docs/api-reference/funding-sources/retrieve-van-account-and-routing-numbers.md): Returns the unique account and routing numbers for a Virtual Account Number (VAN) funding source. These numbers can be used by external systems to initiate ACH transactions that pull funds from or push funds to the associated Dwolla balance. - [Update or remove a funding source](https://developers.dwolla.com/docs/api-reference/funding-sources/update-or-remove-a-funding-source.md): Updates a bank funding source's details or soft deletes it. When updating, you can change the name (any status) or modify routing/account numbers and account type (unverified status only). When removing, the funding source is soft deleted and can still be accessed but marked as removed. - [Overview](https://developers.dwolla.com/docs/api-reference/kba.md): Apply Knowledge Based Authentication (KBA) in your application to verify the identity of a Personal Verified Customer. - [Initiate a KBA session](https://developers.dwolla.com/docs/api-reference/kba/initiate-a-kba-session.md): Creates a new KBA (Knowledge-Based Authentication) session for a personal Verified Customer. Returns a KBA identifier that represents the session and is used to retrieve authentication questions for customer verification. - [Retrieve KBA Questions](https://developers.dwolla.com/docs/api-reference/kba/retrieve-kba-questions.md): Returns the KBA questions for a specific KBA session. The questions are used to verify the customer's identity during the KBA process. - [Verify KBA Questions](https://developers.dwolla.com/docs/api-reference/kba/verify-kba-questions.md): Submits customer answers to KBA questions for identity verification. Requires four question-answer pairs with questionId and answerId values. Returns verification status indicating whether the customer passed or failed the KBA authentication. - [Overview](https://developers.dwolla.com/docs/api-reference/labels.md): Labels represent a designated portion of funds within a Verified Customer's balance. Create, remove, and list them using the Dwolla API. - [Create a label for a customer](https://developers.dwolla.com/docs/api-reference/labels/create-a-label-for-a-customer.md): Creates a new label for a Verified Customer with a specified amount. Labels help organize and track funds within a customer's balance. Returns the location of the created label resource in the response header. - [Create a label ledger entry](https://developers.dwolla.com/docs/api-reference/labels/create-a-label-ledger-entry.md): Create a new ledger entry to track fund adjustments on a Label by specifying a positive or negative amount value. Returns the location of the created ledger entry in the response header. Label amounts cannot go negative, so validation errors occur if the entry would result in a negative Label balanc… - [Create a label reallocation](https://developers.dwolla.com/docs/api-reference/labels/create-a-label-reallocation.md): Reallocates funds between two labels belonging to the same Verified Customer. Moves the specified amount from the source label to the destination label, creating ledger entries for both. The reallocation only succeeds if the source label has sufficient funds. - [List label ledger entries](https://developers.dwolla.com/docs/api-reference/labels/list-label-ledger-entries.md): Returns all ledger entries for a specific Label, sorted by creation date (newest first). Supports pagination with limit and offset parameters. Each ledger entry includes its amount, currency, and creation timestamp. - [List labels for a customer](https://developers.dwolla.com/docs/api-reference/labels/list-labels-for-a-customer.md): Returns all labels for a specified Verified Customer, sorted by creation date (most recent first). Supports pagination with limit and offset parameters. Each label includes its current amount and creation timestamp. - [Remove a label](https://developers.dwolla.com/docs/api-reference/labels/remove-a-label.md): Delete a Label to stop tracking funds and remove it from your account. Returns success status if the Label is successfully removed. Use this to streamline your account management and remove unused Labels from your system. - [Retrieve a label](https://developers.dwolla.com/docs/api-reference/labels/retrieve-a-label.md): Retrieve details for a specific Label used to categorize and track funds within your account. Returns Label information including unique identifier, current amount with currency, and creation timestamp. - [Retrieve a label ledger entry](https://developers.dwolla.com/docs/api-reference/labels/retrieve-a-label-ledger-entry.md) - [Retrieve a label reallocation](https://developers.dwolla.com/docs/api-reference/labels/retrieve-a-label-reallocation.md) - [Overview](https://developers.dwolla.com/docs/api-reference/mass-payments.md): Create, list, update, and retrieve mass payments using the Dwolla API. - [Initiate a mass payment](https://developers.dwolla.com/docs/api-reference/mass-payments/initiate-a-mass-payment.md): Create a mass payment containing up to 5,000 individual payment items from a Dwolla Main Account or Verified Customer funding source. Supports optional metadata, correlation IDs for traceability, deferred processing, and expedited transfer options including same-day ACH clearing. Returns the locatio… - [List items for a mass payment](https://developers.dwolla.com/docs/api-reference/mass-payments/list-items-for-a-mass-payment.md): Retrieve individual payment items within a mass payment with optional status filtering and pagination support. Each item represents a distinct payment with status indicators (failed, pending, success) showing whether a transfer was successfully created. Returns paginated item details including amoun… - [List mass payments for customer](https://developers.dwolla.com/docs/api-reference/mass-payments/list-mass-payments-for-customer.md): Retrieve all previously created mass payments for a Verified Customer account with optional correlation ID filtering and pagination support. Mass payments are returned ordered by date created with most recent appearing first. Returns paginated results including mass payment status, metadata, source… - [Retrieve a mass payment](https://developers.dwolla.com/docs/api-reference/mass-payments/retrieve-a-mass-payment.md): Retrieve detailed information for a mass payment by its unique identifier. Returns the current processing status (pending, processing, or complete), creation date, metadata, and links to the source funding source and payment items. Use this endpoint to monitor mass payment processing progress and de… - [Retrieve mass payment item](https://developers.dwolla.com/docs/api-reference/mass-payments/retrieve-mass-payment-item.md) - [Update a mass payment](https://developers.dwolla.com/docs/api-reference/mass-payments/update-a-mass-payment.md): Update the status of a deferred mass payment to control its processing lifecycle. Set status to `pending` to trigger processing and begin fund transfers, or `cancelled` to permanently cancel the mass payment before processing begins. Only applies to mass payments created with deferred status. Return… - [root](https://developers.dwolla.com/docs/api-reference/root.md): Retrieve the API root entry point to discover available resources and endpoints based on your OAuth access token permissions. Returns HAL+JSON with navigation links to accessible resources including accounts, customers, events, and webhook subscriptions depending on token scope. Essential for API ex… - [Create an application access token](https://developers.dwolla.com/docs/api-reference/tokens/create-an-application-access-token.md): Generate an application access token using OAuth 2.0 client credentials flow for server-to-server authentication. Requires client ID and secret sent via Basic authentication header with grant_type=client_credentials in the request body. Returns a bearer access token with expiration time for authenti… - [Overview](https://developers.dwolla.com/docs/api-reference/transfers.md): Create, list, cancel, or retrieve transfer details. - [Cancel a transfer](https://developers.dwolla.com/docs/api-reference/transfers/cancel-a-transfer.md): Cancel a pending transfer by setting its status to cancelled. Only transfers in pending status can be cancelled before processing begins. Returns the updated transfer resource with cancelled status. Use this endpoint to stop a bank transfer from further processing. - [Create an on-demand transfer authorization](https://developers.dwolla.com/docs/api-reference/transfers/create-an-on-demand-transfer-authorization.md): Create an on-demand transfer authorization that allows Customers to pre-authorize variable amount ACH transfers from their bank account for future payments. This authorization is used when creating Customer funding sources to enable flexible payment processing. Returns UI text elements including aut… - [Initiate a transfer](https://developers.dwolla.com/docs/api-reference/transfers/initiate-a-transfer.md): Initiate a transfer between funding sources from a Dwolla Account or API Customer resource. Supports ACH, Instant Payments (RTP/FedNow), Push-to-Debit Card, and wire transfers with optional expedited clearing, facilitator fees, metadata, and correlation IDs for enhanced traceability. Includes idempo… - [List and search transfers for a customer](https://developers.dwolla.com/docs/api-reference/transfers/list-and-search-transfers-for-a-customer.md): Retrieve and search transfers for a specific Customer with comprehensive filtering and pagination support. Supports searching by customer details (name, email, business name), amount ranges, date ranges, transfer status, and correlation IDs for enhanced transaction discovery. Returns paginated trans… - [List fees for a transfer](https://developers.dwolla.com/docs/api-reference/transfers/list-fees-for-a-transfer.md): Retrieve detailed fee information for a specific transfer by its unique identifier. Returns the total number of fees and individual fee transaction details including amounts, status, and links to source and destination accounts. - [Retrieve a transfer](https://developers.dwolla.com/docs/api-reference/transfers/retrieve-a-transfer.md): Retrieve detailed information for a specific transfer by its unique identifier belonging to an Account or Customer. Returns transfer status, amount, creation date, clearing details, and links to source and destination funding sources for complete transaction tracking. Includes cancellation links whe… - [Retrieve a transfer failure reason](https://developers.dwolla.com/docs/api-reference/transfers/retrieve-a-transfer-failure-reason.md): Retrieve detailed failure information for a failed bank or VAN transfer including the ACH return code, description, and explanation. Returns failure details with links to the failed funding source and associated Customer for comprehensive error analysis. Available only for transfers with failure sta… - [Overview](https://developers.dwolla.com/docs/api-reference/webhook-subscriptions.md): Webhook subscriptions help you follow the events in your application triggered with every POST request. Create, list, update, or remove them from your application using the Dwolla API. - [Create a webhook subscription](https://developers.dwolla.com/docs/api-reference/webhook-subscriptions/create-a-webhook-subscription.md): Create a webhook subscription to deliver webhook notifications to a specified URL endpoint for your application. Requires a destination URL where Dwolla will send notifications and a secret key for webhook validation and security. Returns the location of the created subscription resource. Essential… - [Delete a webhook subscription](https://developers.dwolla.com/docs/api-reference/webhook-subscriptions/delete-a-webhook-subscription.md): Delete a webhook subscription to permanently remove webhook notifications for your application. This action stops all future webhook deliveries and cannot be undone. Returns the deleted subscription resource for confirmation. Use this endpoint when webhook notifications are no longer needed or when… - [List webhook subscriptions](https://developers.dwolla.com/docs/api-reference/webhook-subscriptions/list-webhook-subscriptions.md): Retrieve all webhook subscriptions that belong to an application including their configuration details and status. Returns subscription details including webhook endpoints, status, creation dates, and links to associated webhooks with total count. Essential for webhook management and monitoring subs… - [List webhooks for a webhook subscription](https://developers.dwolla.com/docs/api-reference/webhook-subscriptions/list-webhooks-for-a-webhook-subscription.md): Retrieve all fired webhooks for a specific webhook subscription with comprehensive filtering and pagination support. Returns webhook delivery history including topics, attempts, request/response details, and delivery status over a rolling 30-day period. Supports filtering by resource ID, date ranges… - [Retrieve a webhook subscription](https://developers.dwolla.com/docs/api-reference/webhook-subscriptions/retrieve-a-webhook-subscription.md): Retrieve detailed information for a specific webhook subscription by its unique identifier. Returns subscription configuration including URL endpoint, creation date, and links to associated webhooks for comprehensive subscription management. Essential for monitoring webhook subscription status and a… - [Update a webhook subscription](https://developers.dwolla.com/docs/api-reference/webhook-subscriptions/update-a-webhook-subscription.md): Update a webhook subscription to pause or resume webhook delivery notifications. Allows toggling the paused status to temporarily stop webhook notifications without deleting the subscription. Returns the updated subscription resource with the new paused status. Use this endpoint to manage webhook de… - [Overview](https://developers.dwolla.com/docs/api-reference/webhooks.md): List, retrieve, or retry webhooks in your application using the Dwolla API. - [List retries for a webhook](https://developers.dwolla.com/docs/api-reference/webhooks/list-retries-for-a-webhook.md): Retrieve all retry attempts for a specific webhook including timestamps and delivery details. Returns a list of retry attempts with unique identifiers, timestamps, and links to the parent webhook with total count. Essential for tracking webhook delivery failures, analyzing retry patterns, and debugg… - [Retrieve a webhook](https://developers.dwolla.com/docs/api-reference/webhooks/retrieve-a-webhook.md): Retrieve detailed information for a specific webhook by its unique identifier including delivery attempts and response data. Returns webhook details with topic, account information, delivery attempts containing request/response history, and links to subscription and retry resources. Essential for de… - [Retry a webhook](https://developers.dwolla.com/docs/api-reference/webhooks/retry-a-webhook.md): Retry a webhook by its unique identifier to redeliver the notification to your endpoint. Creates a new retry attempt and returns the location of the new webhook resource. Essential for recovering from webhook delivery failures and ensuring reliable event notification processing in your application. - [Authentication](https://developers.dwolla.com/docs/auth.md): Requests to the Dwolla API require an OAuth access token for authentication. Learn about Dwolla's supported authorization flow and how to create an access token. - [Balance Funding Source](https://developers.dwolla.com/docs/balance-funding-source.md): Send to, receive from, or hold funds within the Dwolla network for client master accounts and Verified Customer accounts. - [Bank Funding Source](https://developers.dwolla.com/docs/bank-funding-source.md): Learn about the different methods of adding and verifying a bank funding source to a Customer account. - [Business Verified Customer](https://developers.dwolla.com/docs/business-verified-customer.md): Verifying a business' identity enables increased functionality on the platform. Create a business Customer that can receive funds and send up to $10,000 per transfer (default). - [Changelog](https://developers.dwolla.com/docs/changelog.md): Keep up to date on new product features and enhancements, API docs, tools changes, and development updates. - [Customer Types](https://developers.dwolla.com/docs/customer-types.md): Understanding and selecting the appropriate Customer type is the first step to a successful payment integration. - [Drop-in Components](https://developers.dwolla.com/docs/drop-in-components.md): Dwolla's Drop-in components are low-code solutions to alleviate the technical overhead of a payments integration to rapidly implement key functionality into an application. - [Building with Drop-in Components](https://developers.dwolla.com/docs/drop-in-components/building-with-drop-ins.md): Dwolla's Drop-in Components are low-code solutions to abstract away the complexity of integrating with a payment API and act as a shortcut to completing a payment integration. - [Facilitator Fee](https://developers.dwolla.com/docs/facilitator-fee.md): Charge users a flat rate amount to be removed from a payment as a fee. The fee is sent to the creator of the application. - [Instant Payments](https://developers.dwolla.com/docs/instant-payments.md): Learn about Instant Payments (defined as both FedNow Service and RTP), and how to identify and send transfers to instant payment-enabled funding sources. - [Model Context Protocol](https://developers.dwolla.com/docs/mcp-server.md): Learn how to use the Dwolla MCP Server to enable AI agents to retrieve and analyze data from Dwolla's payment platform using natural language. - [Verify Bank with Micro-deposits](https://developers.dwolla.com/docs/micro-deposit-verification.md): Learn how to verify a user's bank account ownership by initiating micro-deposits - small deposits that are sent to the account and must be verified by the user to confirm account ownership. - [Overview](https://developers.dwolla.com/docs/open-banking.md): Simplify Open Banking Integration with Dwolla's API. Leverage a single API to connect to various Open Banking providers and streamline account linking, verification, and data retrieval for your application. - [Bank Balance Check](https://developers.dwolla.com/docs/open-banking/bank-balance-check.md): Learn how to use Dwolla's Open Banking Bank Balance Check to verify account balances in real time, reduce payment failures, and improve the success rate of your ACH transactions. - [MX: Instant Account Verification](https://developers.dwolla.com/docs/open-banking/mx.md): Step-by-step guide to integrating Dwolla's Open Banking solution with MX. Learn how to enable instant account verification, streamline account-to-account (A2A) payments, and enhance security for enterprise payment workflows. - [Plaid: Instant Account Verification](https://developers.dwolla.com/docs/open-banking/plaid.md): Step-by-step guide to integrating Dwolla's Open Banking solution with Plaid. Learn how to enable instant account verification, streamline account-to-account (A2A) payments, and enhance security for enterprise payment workflows. - [Operational Notifications](https://developers.dwolla.com/docs/operational-notifications.md): Understand what Dwolla events are tied to notifications that are sent to your end users. Preview the customizable email templates here. - [Personal Verified Customer](https://developers.dwolla.com/docs/personal-verified-customer.md): Learn how to create a Verified personal Customer that can send and receive funds. - [Receive Money from Users](https://developers.dwolla.com/docs/receive-money.md): Learn the key steps involved with receiving funds from your end user's bank account. - [Same-Day ACH](https://developers.dwolla.com/docs/same-day-ach.md): An overview of Same Day ACH and leveraging next-available processing times for faster transfers. - [SDKS & Tools](https://developers.dwolla.com/docs/sdks-tools.md): Choose from a collection of client libraries and tools to get up and running quickly in a variety of languages. - [C#](https://developers.dwolla.com/docs/sdks-tools/c-sharp.md): `Dwolla.Client` is available on [Nuget](https://www.nuget.org/packages/Dwolla.Client/) with [source code](https://github.com/Dwolla/dwolla-v2-csharp) available on our GitHub page. - [Kotlin](https://developers.dwolla.com/docs/sdks-tools/kotlin.md): Use Dwolla’s SDK for Kotlin to build applications that interact with the Dwolla API to perform account-to-account payment functions. - [Node](https://developers.dwolla.com/docs/sdks-tools/node.md): Use Dwolla’s SDK for Node to build applications that interact with the Dwolla API to perform account-to-account payment functions. - [PHP](https://developers.dwolla.com/docs/sdks-tools/php.md): Use Dwolla's SDK for PHP to build applications that interact with the Dwolla API to perform account-to-account payment functions. - [PHP (Legacy)](https://developers.dwolla.com/docs/sdks-tools/php-legacy.md): Use Dwolla's legacy SDK for PHP to build applications that interact with the Dwolla API to perform account-to-account payment functions. - [Python](https://developers.dwolla.com/docs/sdks-tools/python.md): Use Dwolla’s SDK for Python to build applications that interact with the Dwolla API to perform account-to-account payment functions. - [Ruby](https://developers.dwolla.com/docs/sdks-tools/ruby.md): Use Dwolla’s SDK for Ruby to build applications that interact with the Dwolla API to perform account-to-account payment functions. - [TypeScript](https://developers.dwolla.com/docs/sdks-tools/typescript.md): Use Dwolla's SDK for TypeScript to build applications that interact with the Dwolla API to perform account-to-account payment functions. - [Overview](https://developers.dwolla.com/docs/secure-exchange.md): The Secure Exchange solution connects clients with integrated ecosystem partners to seamlessly share data and initiate account-to-account payments. - [Dwolla + Plaid](https://developers.dwolla.com/docs/secure-exchange/plaid.md): Learn how to integrate Dwolla and Plaid using Dwolla's Secure Token Exchange solution to securely verify and link your users' bank accounts for ACH payments, without handling sensitive account data directly. - [Send Money](https://developers.dwolla.com/docs/send-money.md): Learn the key steps involved with sending funds to your end user's bank account. - [Testing in the Sandbox](https://developers.dwolla.com/docs/testing.md): Test and refine your integration in the Dwolla Sandbox—a free, full-featured environment that simulates real API interactions, allowing you to build, experiment, and validate your application before going live. - [Transfer Failures](https://developers.dwolla.com/docs/transfer-failures.md): Familiarize yourself with the unhappy path of transfers and build resilient practices to mitigate ACH returns. Learn about returns, why they happen and recommended actions your application can take based on the return code. - [Transfer Lifecycle](https://developers.dwolla.com/docs/transfer-lifecycle.md): Learn about the complete lifecycle of a transfer in Dwolla and find out what webhooks you can expect to receive during each step. - [Transfer Money Between Users](https://developers.dwolla.com/docs/transfer-money-between-users.md): Facilitate ACH transfers between two distinct parties, e.g. for marketplace applications that connect buyers with sellers for bank to bank payments. - [Transfer Money Me-to-Me](https://developers.dwolla.com/docs/transfer-money-me-to-me.md): Move funds between two different bank accounts belonging to a single Verified Customer, e.g. for savings applications that move funds between a Customer's checking and savings accounts. - [Transfer Processing Times](https://developers.dwolla.com/docs/transfer-processing-times.md): Learn more about transfer clearing times, including `standard` ,`expedited` and `instant` clearing. - [Virtual Account Numbers](https://developers.dwolla.com/docs/virtual-account-numbers.md): A Virtual Account Number (VAN) provides a dedicated routing path for external transactions to flow into and out of a Dwolla balance. Each VAN generates unique account and routing numbers that enable you to credit or debit a Dwolla balance through ACH transfers. - [Webhook Events](https://developers.dwolla.com/docs/webhook-events.md): Real-time event notifications. Determine why a webhook subscription is vital to the experience of your application. - [What is Dwolla?](https://developers.dwolla.com/docs/what-is-dwolla.md): Leverage Dwolla's existing financial institution relationship to connect your business to the U.S. banking infrastructure. - [Working with Webhooks](https://developers.dwolla.com/docs/working-with-webhooks.md): Implement simple, real-time, event notifications regarding account and transaction status, and more. - [Dwolla Developers](https://developers.dwolla.com/index.md): The Dwolla Developer Portal provides comprehensive guides, API documentation, and resources to help you build, test, and launch powerful solutions with Dwolla’s modern account-to-account payments platform. ## OpenAPI Specs - [openapi](https://developers.dwolla.com/api-reference/openapi.json) ## Optional - [Status](https://status.dwolla.com/) - [Community](https://discuss.dwolla.com/)