OAuth refresh strategies
Refresh on demand or handle failure
Before making any API call to Dwolla, query your database to get the stored refresh token, refresh authorization, update the new token pair in your database, and lastly make the call to Dwolla. This method prevents excessive calls to Dwolla and only requires you to refresh authorization when needed.
Make API call with access token; if access token is invalid, try to update it using the stored refresh token; if refresh request is successful, update the existing token pair in your database and re-attempt the initial API request. Optional: cache the access token for reuse on subsequent requests.
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.