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Frequently Asked Questions

Q: My Customer has a retry status. What activity would they able to engage in while being in ‘retry’ status, as it relates to the Dwolla Platform?
  • Send funds - No
  • Receive funds - Yes
  • Add and verify a bank funding source - Yes
Q: My Customer has a document status. What activity would they able to engage in while being in ‘document’ status, as it relates to the Dwolla Platform?
  • Send funds - No
  • Receive funds - Yes
  • Add and verify a bank funding source - Yes
Q: My Customer has a deactivated or suspended status. activity would they able to engage in while being in ‘deactivated’ or ‘suspended’ status, as it relates to the Dwolla Platform?
  • Send funds - No
  • Receive funds - No
  • Add and verify a bank funding source - No
Q: My Customer has a verified status, but is unable to send funds. Why is this?
  • Your Customer has likely not completed the bank verification process. You can check to see the status of the funding source via the API or by going into the Dwolla dashboard.
Q: Can I change a Verified Customer type to an Unverified Customer type?
  • No.
Q: My Customer has a document status. Can I submit more than one document via the API?
  • Yes, although this is not necessary, nor recommended. Dwolla manually reviews all documents, so sending more documents than necessary may slow down the verification process for your Customers.
Q: My end user is not a US resident, can they still create a Personal Verified Customer via the API to access my application?
  • No. At this time, Dwolla only supports end users that are US residents when creating Personal Verified Customers.
Q: My Customer needs to send more funds than is allowed in my Dwolla services agreement. What is the best way to go about this?
  • Your Customer is able to send multiple separate transfers as long as each transfer amount is less than the transfer limit defined in your services agreement.

    Example Scenario: The transaction limit for my Customer is $10,000 and they need to send $15,000.
    In this case, you can prompt your Customer to send two transfers. One for $10,000 and another for $5,000.


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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.