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Personal verified Customer

Create a personal verified Customer

To create a personal verified Customer, use the create a Customer endpoint. A personal verified Customer is determined by setting the value of the type request parameter to personal and including additional fields required for identifying the individual.

Events

As a developer, you can expect these events to be triggered when a personal verified Customer is successfully created and systematically verified:

  1. customer_created
  2. customer_verified

Required parameters - personal verified Customer

ParameterRequiredTypeDescription
firstNameyesstringIndividual’s legal first name.
lastNameyesstringIndividual’s legal last name.
emailyesstringCustomer’s email address.
typeyesstringType of identity verified Customer. Value of personal for individual.
address1yesstringStreet number, street name of individual’s physical address.
address2nostringApartment, floor, suite, bldg # of individual’s physical address.
cityyesstringCity of individual’s physical address.
stateyesstringTwo-letter US state or territory abbreviation code of individual’s physical address.
postalCodeyesstringCustomer’s US five-digit ZIP or ZIP + 4 code.
dateOfBirthyesstringCustomer’s date of birth. Must be 18 years of age with format of YYYY-MM-DD.
ssnyesstringLast four-digits of individual’s 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 an HTTP 201/Created with the URL of the new Customer resource contained in the Location header.

Request and response (view schema in ‘raw’)

POST https://api-sandbox.dwolla.com/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@email.net",
  "ipAddress": "10.10.10.10",
  "type": "personal",
  "address1": "99-99 33rd St",
  "city": "Some City",
  "state": "NY",
  "postalCode": "11101",
  "dateOfBirth": "1970-01-01",
  "ssn": "1234"
}

HTTP/1.1 201 Created
Location: https://api.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F
<?php
$customersApi = new DwollaSwagger\CustomersApi($apiClient);

$newCustomer = $customersApi->create([
  'firstName' => 'John',
  'lastName' => 'Doe',
  'email' => 'jdoe@nomail.net',
  'type' => 'personal',
  'address1' => '99-99 33rd St',
  'city' => 'Some City',
  'state' => 'NY',
  'postalCode' => '11101',
  'dateOfBirth' => '1970-01-01',

  # For the first attempt, only the
  # last 4 digits of SSN required

  # If the entire SSN is provided,
  # it will still be accepted
  'ssn' => '1234'
]);

$newCustomer; # => "https://api-sandbox.dwolla.com/customers/AB443D36-3757-44C1-A1B4-29727FB3111C"
?>
# Using DwollaV2 - https://github.com/Dwolla/dwolla-v2-ruby
request_body = {
  :firstName => 'John',
  :lastName => 'Doe',
  :email => 'jdoe@nomail.net',
  :type => 'personal',
  :address1 => '99-99 33rd St',
  :city => 'Some City',
  :state => 'NY',
  :postalCode => '11101',
  :dateOfBirth => '1970-01-01',

  # For the first attempt, only the
  # last 4 digits of SSN required

  # If the entire SSN is provided,
  # it will still be accepted

  :ssn => '1234'
}

new_customer = app_token.post "customers", request_body
new_customer.response_headers[:location] # => "https://api-sandbox.dwolla.com/customers/AB443D36-3757-44C1-A1B4-29727FB3111C"
# Using dwollav2 - https://github.com/Dwolla/dwolla-v2-python
request_body = {
  'firstName': 'John',
  'lastName': 'Doe',
  'email': 'jdoe@nomail.net',
  'type': 'personal',
  'address1': '99-99 33rd St',
  'city': 'Some City',
  'state': 'NY',
  'postalCode': '11101',
  'dateOfBirth': '1970-01-01',
  # For the first attempt, only the
  # last 4 digits of SSN required
  # If the entire SSN is provided,
  # it will still be accepted
  'ssn': '1234'
}

new_customer = app_token.post('customers', request_body)
new_customer.headers['location'] # => 'https://api-sandbox.dwolla.com/customers/AB443D36-3757-44C1-A1B4-29727FB3111C'
var requestBody = {
  firstName: 'John',
  lastName: 'Doe',
  email: 'jdoe@nomail.net',
  type: 'personal',
  address1: '99-99 33rd St',
  city: 'Some City',
  state: 'NY',
  postalCode: '11101',
  dateOfBirth: '1970-01-01',
  // For the first attempt, only the
  // last 4 digits of SSN required
  // If the entire SSN is provided,
  // it will still be accepted
  ssn: '1234'
};

appToken
  .post('customers', requestBody)
  .then(res => res.headers.get('location')); // => 'https://api-sandbox.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F'

Check the status of the personal verified Customer

The successful creation of a Customer doesn’t necessarily mean the Customer is verified and eligible to send or receive funds. 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 was just created, which is in new_customer.

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

{
  "_links": {
    "self": {
      "href": "https://api-sandbox.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "customer"
    },
    "receive": {
      "href": "https://api-sandbox.dwolla.com/transfers",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "transfer"
    },
    "edit-form": {
      "href": "https://api-sandbox.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F",
      "type": "application/vnd.dwolla.v1.hal+json; profile=\"https://github.com/dwolla/hal-forms\"",
      "resource-type": "customer"
    },
    "edit": {
      "href": "https://api-sandbox.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "customer"
    },
    "funding-sources": {
      "href": "https://api-sandbox.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F/funding-sources",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "funding-source"
    },
    "transfers": {
      "href": "https://api-sandbox.dwolla.com/customers/FC451A7A-AE30-4404-AB95-E3553FCD733F/transfers",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "transfer"
    },
    "send": {
      "href": "https://api-sandbox.dwolla.com/transfers",
      "type": "application/vnd.dwolla.v1.hal+json",
      "resource-type": "transfer"
    }
  },
  "id": "FC451A7A-AE30-4404-AB95-E3553FCD733F",
  "firstName": "John",
  "lastName": "Doe",
  "email": "jdoe@nomail.net",
  "type": "personal",
  "status": "verified",
  "created": "2016-11-28T19:51:48.050Z",
  "address1": "99-99 33rd St",
  "address2": "Apt 8",
  "city": "Some City",
  "state": "NY",
  "postalCode": "11101",
  "phone": "5554321234"
}

Next steps

Congrats! Our Customer was successfully verified!

However, if the Customer was unable to be verified on the initial flow, they will given a verification status of either retry, document, or suspended. Continue reading for instructions on handling various Customer verification statuses and guidelines for providing additional information to verify these Customers.


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Status
Production: Operational

Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and all funds associated with your account in our network are held in one or more pooled accounts at Veridian Credit Union. These funds 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.