Language

Customer verification

Personal verified Customers

Create a verified personal Customer

To create a verified personal 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": "John",
  "lastName": "Doe",
  "email": "johndoe@nomail.net",
  "ipAddress": "10.10.10.10",
  "type": "personal",
  "address1": "99-99 3rd St.",
  "city": "Ridgewood",
  "state": "NY",
  "postalCode": "11385",
  "dateOfBirth": "1990-07-11",
  "ssn": "1516"
}

HTTP/1.1 201 Created
Location: https://api.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F
new_customer = DwollaSwagger::CustomersApi.create({:body => {
      "firstName" => "John",
       "lastName" => "Doe",
          "email" => "johndoe@nomail.net",
      "ipAddress" => "10.10.10.10",
           "type" => "personal",
       "address1" => "99-99 3rd St.",
           "city" => "Ridgewood",
          "state" => "NY",
     "postalCode" => "11385",
    "dateOfBirth" => "1990-07-11",
            "ssn" => "1516"
}})

p new_customer # => https://api.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F
// No example for this language yet.
customers_api = dwollaswagger.CustomersApi(client)

new_customer = customers_api.create(body = {
  "firstName": "John",
  "lastName": "Doe",
  "email": "johndoe@nomail.net",
  "ipAddress": "10.10.10.10",
  "type": "personal",
  "address1": "99-99 3rd St.",
  "city": "Ridgewood",
  "state": "NY",
  "postalCode": "11385",
  "dateOfBirth": "1990-07-11",
  "ssn": "1516"
})

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

$newCustomer = $customersApi->create(array (
  'firstName' => 'John',
  'lastName' => 'Doe',
  'email' => 'johndoe@nomail.net',
  'ipAddress' => '10.10.10.10',
  'type' => 'personal',
  'address1' => '99-99 3rd St.',
  'city' => 'Ridgewood',
  'state' => 'NY',
  'postalCode' => '11385',
  'dateOfBirth' => '1990-07-11',
  'ssn' => '1516',
));

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

You’ll need to provide the Customer’s full name, email address, home address, date of birth, and the last four digits of their taxpayer identification number (for individuals, this is their Social Security Number).

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 personal Customer

The successful creation of a Customer doesn’t necessarily mean the Customer is verified. 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/132681FA-1B4D-4181-8FF2-619CA46235B1"
    },
    "receive": {
      "href": "https://api-uat.dwolla.com/transfers"
    },
    "funding-sources": {
      "href": "https://api-uat.dwolla.com/customers/132681FA-1B4D-4181-8FF2-619CA46235B1/funding-sources"
    },
    "transfers": {
      "href": "https://api-uat.dwolla.com/customers/132681FA-1B4D-4181-8FF2-619CA46235B1/transfers"
    },
    "send": {
      "href": "https://api-uat.dwolla.com/transfers"
    }
  },
  "id": "132681FA-1B4D-4181-8FF2-619CA46235B1",
  "firstName": "John",
  "lastName": "Doe",
  "email": "johndoe@nomail.net",
  "type": "personal",
  "status": "verified",
  "created": "2015-09-29T19:47:28.920Z"
}
retrieved_customer = DwollaSwagger::CustomersApi.get_customer(new_customer)

p retrieved_customer.verified # => true
// No example for this language yet.
customers_api = dwollaswagger.CustomersApi(client)

retrieved_customer = customers_api.get_customer(new_customer)

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

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

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

Our Customer was successfully verified! Other Customers, however, may require additional verification. Continue reading for instructions on providing additional information to verify these Customers.


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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.