Dwolla.js

Using Dwolla.js for Instant Account Verification (IAV)

For Dwolla API customers, dwolla.js has the added function of facilitating Instant Account Verification (IAV) on their customer’s bank or credit union account. By calling a separate function dwolla.iav.start(), your application can render the IAV flow within a specified container. dwolla.iav.start() allows for customization through configurable options such as:

• stylesheets - a list of CSS stylesheets for styling the IAV flow
• microDeposits - presents a selection screen for the user to choose the micro-deposit method of bank verification throughout the IAV flow
• fallbackToMicroDeposits - presents a selection screen for the user to fallback to selecting the micro-deposit method of bank verification within the IAV flow
• backButton - displays a back button throughout the IAV flow
• subscriber - a function that can be used by an application to subscribe to state changes throughout the IAV flow

dwolla.iav.start()

Example

dwolla.iav.start('8zN400zyPUobbdmeNfhTGH2Jh5JkFREJa9YBI8SLXp0ERXNTMT', {
  container: 'iavContainer',
  stylesheets: [
    'https://fonts.googleapis.com/css?family=Lato&subset=latin,latin-ext',
    'https://myapp.com/iav/customStylesheet.css'
  ],
  microDeposits: false,
  fallbackToMicroDeposits: true,
  backButton: true,
  subscriber: ({ currentPage, error }) => {
      console.log('currentPage:', currentPage, 'error:', JSON.stringify(error))
    }
}, function(err, res) {
  console.log('Error: ' + JSON.stringify(err) + ' -- Response: ' + JSON.stringify(res));
});

Handling IAV errors

IAV related errors are returned either as user-facing messages within the IAV flow, or triggered through the dwolla.js callback. User-facing messages are displayed in red text at the top of the bank login screen informing the user there was an issue with connecting the associated bank account. Error callbacks will trigger letting your app know of errors that can’t be fixed by the user within the flow.

Error callbacks will contain a similar JSON error response body as common errors in the API, which includes a top-level error code and a message. Reference the following list of error callbacks:

Example error callback

{
 "code": "RateLimitReached",
 "message": "Sorry, we’re having trouble logging into your account. Please try a different account."
}

IAV user experience

Financial institutions have different procedures when it comes to online logins. There are two flows to be aware of in terms of user experience: Preferred and Non-preferred. Your Customers may fall into either one of these two flows when verifying their bank account within the IAV experience.

Preferred Flow

There are a subset of banks that are found in the initial bank search page that will immediately prompt the user to login with the associated bank account. These are some of the larger financial institutions in the United States, and are all supported by our IAV flow. If your Customer is not banking with one of these institutions, they can search for their bank in the search bar.

Non-preferred Flow

There is a list of banks that aren’t found in the bank search, generally these are smaller financial institutions. As a result we’ll prompt the user to input the account and routing number of their bank. Once they click agree and continue, we’ll attempt to lookup a bank with the provided information. If a bank is found, we’ll return a screen for the user to authenticate using their online banking credentials.

Options and customization

microDeposits

Your application can present the micro-deposit method of bank verification throughout the IAV flow by setting the microDeposits option to true. This option gives the user the ability to initially select either the micro-deposit method of bank verification or IAV, as well as fallback to selecting the micro-deposit method of bank verification if un-successful connecting a bank through the IAV flow.

fallbackToMicroDeposits

If your application sets the fallbackToMicroDeposits option to true, a fallback selection screen will appear after two failed attempts if there was an issue with connecting a bank using IAV. This selection screen asks the user to choose from either the traditional micro-deposit method of bank verification or re-attempt the IAV flow choosing a different financial institution.

backButton

By default, a back button will not be displayed throughout the IAV flow. If your application sets the backButton option to true, a back button will appear in the lower left corner of the container throughout the IAV flow.

subscriber

An optional subscriber function can be used if your application is wanting to receive additional information on where the user is within the IAV flow, as well as if a user-facing message was presented to the user. subscriber is a function that will be called with an object containing a currentPage and an optional error attribute. currentPage will be a string value that identifies what page the user is on in the IAV flow. If an error occurs, the error attribute will be returned along with currentPage. error will be a JSON object, which includes a top-level error code and a message (similar to common errors in the API). Reference the following table for possible values:

Example subscriber callback

{
  "currentPage":"BankLogin",
  "error":{
    "code":"InvalidLogin",
    "message":"Please make sure your login or security information is correct."
  }
}

stylesheets

Dwolla provides a list of CSS classes available for styling certain elements of the IAV flow. These elements can be easily customized to match the look and feel of your application, and are included within the options JavaScript object of the function dwolla.iav.start(). You can specify one or many stylesheets as a list within the stylesheets attribute. By default, the elements within your specified container are responsive to any change in screen size.

Demo Dwolla.js

List of CSS classes

/* Available css classes for customization*/
.dwolla-iav-text-box,
.dwolla-iav-button,
.dwolla-iav-header,
.dwolla-iav-text,
.dwolla-iav-link,
.dwolla-iav-error,
.dwolla-iav-label,
.dwolla-iav-header,
.dwolla-iav-text-box,
.dwolla-iav-text-box:focus,
.dwolla-iav-link,
.dwolla-iav-link:hover,
.dwolla-iav-button,
.dwolla-iav-button:hover,
.dwolla-iav-button:active,
.dwolla-iav-check-image,
.dwolla-iav-radio-hover,
.dwolla-iav-radio-selected

Testing IAV in the Sandbox

For more information on how to test various IAV scenarios in the Sandbox, check out our developer resource article. This article goes through different ways to simulate success and error scenarios including:

• Customer provides invalid login credentials
• Unsupported banks
• Prompts for your Customer to visit the bank website to complete verification
• …and more!

View:

• Funding source verification - IAV
• Dwolla.js - Overview
• Add a bank account
• On-demand bank transfers
• Sandbox testing