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Customer verification

Business verified Customers

Create a verified business Customer

To create a verified business Customer, use the create a customer endpoint:

POST /customers
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY

{
  "firstName": "Jane",
  "lastName": "Doe",
  "email": "janedoe@nomail.com",
  "ipAddress": "10.10.10.10",
  "type": "business",
  "address1": "1234 Main St.",
  "city": "Ridgewood",
  "state": "NY",
  "postalCode": "11385",
  "dateOfBirth": "1970-01-01",
  "ssn": "1516",
  "businessClassification": "9ed3f677-7d6f-11e3-96a2-5404a6144203",
  "businessType": "llc",
  "businessName":"Jane Corp",
  "ein":"12-3456789"
}

HTTP/1.1 201 Created
Location: https://api.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F
new_customer = DwollaSwagger::CustomersApi.create({:body => {
      "firstName" => "Jane",
       "lastName" => "Doe",
          "email" => "janedoe@nomail.com",
      "ipAddress" => "10.10.10.10",
           "type" => "business",
       "address1" => "1234 Main St.",
           "city" => "Ridgewood",
          "state" => "NY",
     "postalCode" => "11385",
    "dateOfBirth" => "1970-01-01",
            "ssn" => "1516",
          "businessClassification" => "9ed3f677-7d6f-11e3-96a2-5404a6144203",
          "businessType" => "llc",
          "businessName" => "Jane Corp",
          "ein" => "12-3456789"
}})

p new_customer # => https://api.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F
dwolla.then(function(dwolla) {
  dwolla.customers.create({
      "firstName": "Jane",
      "lastName": "Doe",
      "email": "janedoe@nomail.com",
      "ipAddress": "10.10.10.10",
      "type": "business",
      "address1": "1234 Main St.",
      "city": "Some City",
      "state": "NY",
      "postalCode": "11385",
      "dateOfBirth": "1970-01-01",
      "ssn": "1516",
      "businessClassification": "9ed3f677-7d6f-11e3-96a2-5404a6144203",
      "businessType": "llc",
      "businessName": "Jane Corp",
      "ein": "12-3456789"
    })
    .then(function(data) {
        console.log(data); // https://api-uat.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F
    });
});

customers_api = dwollaswagger.CustomersApi(client)

new_customer = customers_api.create(body = {
  "firstName": "Jane",
  "lastName": "Doe",
  "email": "jane@nomail.com",
  "ipAddress": "10.10.10.10",
  "type": "business",
  "address1": "1234 Main St.",
  "city": "Ridgewood",
  "state": "NY",
  "postalCode": "11385",
  "dateOfBirth": "1970-01-01",
  "ssn": "1516",
  "businessClassification": "9ed3f677-7d6f-11e3-96a2-5404a6144203",
  "businessType": "llc",
  "businessName": "Jane Corp",
  "ein": "12-3456789"
})

print(new_customer) # => https://api.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F
<?php
$customersApi = DwollaSwagger\CustomersApi($apiClient);

$newCustomer = $customersApi->create(array (
  'firstName' => 'Jane',
  'lastName' => 'Doe',
  'email' => 'janedoe@nomail.com',
  'ipAddress' => '10.10.10.10',
  'type' => 'business',
  'address1' => '1234 Main St.',
  'city' => 'Ridgewood',
  'state' => 'NY',
  'postalCode' => '11385',
  'dateOfBirth' => '1970-01-01',
  'ssn' => '1516',
  'businessClassification' => '9ed3f677-7d6f-11e3-96a2-5404a6144203',
  'businessType' => 'llc',
  'businessName' => 'Jane Corp',
  'ein' => '12-3456789'
));

print($newCustomer); # => https://api.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F
?>

You’ll need to provide the the a full name, email address, home address, date of birth, and the last four digits of the Social Security Number for the authorized representative of the business. In addition to the authorized representative’s identifying information, you’ll also need to supply information which helps Dwolla identify the business. Required information includes: businessClassification, businessType, businessName, and ein.

Once you submit this request, Dwolla will perform some initial validation to check for formatting issues such as an invalid date of birth, invalid email format, etc. If successful, the response will be a HTTP 201/Created with the URL of the new Customer resource contained in the Location header.

Check the status of the business Customer

Businesses may need to provide additional information to help verify their identity which will likely correspond to a verification status of document upon creation. It is important to immediately check the status of the business Customer to determine if additional documentation is needed. When a Customer has been successfully verified by Dwolla, their status will be set to verified.

Let’s check to see if the Customer was successfully verified or not. We are going to use the location of the Customer resource that we just created, which is in new_customer.

GET https://api.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY

HTTP 200 OK
{
  "_links": {
    "self": {
      "href": "https://api-uat.dwolla.com/customers/5F8A457F-9883-4598-8449-27C5DC1119C5"
    },
    "funding-sources": {
      "href": "https://api-uat.dwolla.com/customers/5F8A457F-9883-4598-8449-27C5DC1119C5/funding-sources"
    },
    "transfers": {
      "href": "https://api-uat.dwolla.com/customers/5F8A457F-9883-4598-8449-27C5DC1119C5/transfers"
    },
    "verify-with-document": {
      "href": "https://api-uat.dwolla.com/customers/5F8A457F-9883-4598-8449-27C5DC1119C5/documents"
    }
  },
  "id": "5F8A457F-9883-4598-8449-27C5DC1119C5",
  "firstName": "Jane",
  "lastName": "Doe",
  "email": "janedoe@nomail.com",
  "type": "business",
  "status": "document",
  "created": "2016-01-08T20:27:12.340Z"
}
retrieved_customer = DwollaSwagger::CustomersApi.get_customer(new_customer)

p retrieved_customer.verified # => false
dwolla.then(function(dwolla) {
    dwolla.customers.getCustomer({id:'5F8A457F-9883-4598-8449-27C5DC1119C5'}).then(function(data) {
        console.log(data.obj._embedded.status); // document
    })
})

customers_api = dwollaswagger.CustomersApi(client)

retrieved_customer = customers_api.get_customer(new_customer)

print(retrieved_customer.verified) # => false
<?php
$customersApi = DwollaSwagger\CustomersApi($apiClient);

$retrievedCustomer = $customersApi->getCustomer($newCustomer);

print($newCustomer->verified); # => false
?>

Our Customer is created successfully, but there is a verification status of “document”. Continue reading for instructions on handling Customer verification statuses and guidelines for providing additional information to verify this type of Customer.


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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.