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:

customer_created
customer_verified

Required parameters - personal verified Customer

Parameter	Required	Type	Description
firstName	yes	string	Individual’s legal first name.
lastName	yes	string	Individual’s legal last name.
email	yes	string	Customer’s email address.
type	yes	string	Type of identity verified Customer. Value of `personal` for individual.
address1	yes	string	Street number, street name of individual’s physical address.
address2	no	string	Apartment, floor, suite, bldg # of individual’s physical address.
city	yes	string	City of individual’s physical address.
state	yes	string	Two-letter US state or territory abbreviation code of individual’s physical address.
postalCode	yes	string	Customer’s US five-digit ZIP or ZIP + 4 code.
dateOfBirth	yes	string	Customer’s date of birth. Must be 18 years of age with format of `YYYY-MM-DD`.
ssn	yes	string	Last 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.

View

Handling verification statuses for personal verified Customers.

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.

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