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Customer Verification

This article will walk through the identity verification process for verified Customers within the Dwolla API. For more information on going live with the Dwolla API, please contact sales.

A Customer represents an individual or business that intends to send or receive funds on your platform. In any transaction at least one party—either the sender or the recipient—must complete the identity verification process as outlined in this article. In cases where a Customer is only sending funds to or receiving funds from your full Dwolla account, the Customer is not required to complete the process set out below.

First, you should have an active webhook subscription. This active webhook subscription allows information about a Customer’s status in the verification process to be sent asynchronously to your application.

Quick overview

We’ll outline the verification process for both personal and business Customers.

  1. Personal verified Customer
    • • Create a personal verified Customer
    • • Check the status of the personal Customer
  2. Business verified Customer
    • • Create a business verified Customer
    • • Check the status of the business Customer
  3. Handling verification statuses
    • • If necessary, retry verification
    • • If necessary, upload a document
    • • Overview of suspended status

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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.