Program Payments Using Dwolla’s Configurable API
Access the building blocks for sending, collecting or facilitating payments between users with Dwolla’s programmable payments platform.
Start Moving Money in 3 Steps
We’ve simplified the complex task of accessing banking infrastructure.
-
Create a Customer
Onboard a customer to receive funds or verify their identity for full functionality. -
Attach a Funding Source
Add a funding source without having to store the sensitive data. -
Initiate a Transfer
Program a payment to move funds between accounts.
POST https://api-sandbox.dwolla.com/customers HTTP/1.1
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q
{
"firstName": "Caroline",
"lastName": "Johnson",
"email": "caroline.johnson@yahoo.com",
"ipAddress": "99.99.99.99"
}
Start Moving Money in 3 Steps
We’ve simplified the complex task of accessing banking infrastructure.
POST https://api-sandbox.dwolla.com/customers HTTP/1.1
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q
{
"firstName": "Caroline",
"lastName": "Johnson",
"email": "caroline.johnson@yahoo.com",
"ipAddress": "99.99.99.99"
}
Create a Customer
POST https://api-sandbox.dwolla.com/customers/c2126144-9f8f-4dd8-84c2-fba78828c526/funding-sources HTTP/1.1
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q
{
"routingNumber": "021000021",
"accountNumber": "9876543210",
"bankAccountType": "checking",
"name": "Chase Checking"
}
Attach a Funding Source
POST https://api-sandbox.dwolla.com/transfers HTTP/1.1
Accept: application/vnd.dwolla.v1.hal+json
Content-Type: application/vnd.dwolla.v1.hal+json
Authorization: Bearer 0Sn0W6kzNicvoWhDbQcVSKLRUpGjIdlPSEYyrHqrDDoRnQwE7Q
{
"_links": {
"source": {
"href": "https://api-sandbox.dwolla.com/funding-sources/2abc3cb7-d548-410d-ba1b-b9b95ef42400"
},
"destination": {
"href": "https://api-sandbox.dwolla.com/funding-sources/75d94e67-1c83-4602-b26a-09322632a942"
}
},
"amount": {
"currency": "USD",
"value": "900.00"
}
}
Initiate a Transfer
Experience a Digital Transformation
Embed programmable payments with reporting, compliance and security infrastructure built-in.
Configurable
- Multiple Bank Account Verification Methods
- Real-Time Customer Onboarding
- Consistent Branding
Validated
- 99.9% Uptime
- Automated Returns
- Real-Time Webhook Notifications
Scalable
- Mass Payment Functionality
- No Annual Commitment to Start Transacting
- Customized Levels of Support
Features of Dwolla’s Programmable Payment Platform
Dwolla Balance
Adding wallet-like functionality allows verified users to access their funds and initiate faster payments.
Facilitate Payments
Your customers can transact with each other without your business coming into ownership of the funds.
Instant Account Verification
Reliably verify a user’s funding source and keep sensitive data with Dwolla.
Operational Notifications
Prebuilt communications sent to a customer when their account has activity.
Same Day ACH
Shorten the ACH transfer timeline to make funds available within the same business day.
Webhooks
Automated messages from the Dwolla API about events happening within your application.
Choose the Pricing Plan to Fit Your Business
Sign up and start transacting or schedule a meeting with our sales team to walk through what a custom integration would look like for your business.
Pay-As-You-Go
Scale
Enterprise
Supporting Your Digital Transformation
Time and money are valuable commodities—we save your business both.
Engaged Community Forum
Dedicated Support Teams
Dedicated Communication Channel
Controlling Programmable Payments
Manage user onboarding, initiate transactions and monitor the activity within your application from an easy-to-use dashboard.
Testing a Configurable ACH API
Experience programmable payments in the Dwolla Sandbox, using the developer documentation as a roadmap to navigating Dwolla’s ACH API.
The Dwolla Sandbox environment is a replica of the production environment, supporting all of the same API endpoints and features—without the real money or data. Once in production, an API response with Dwolla can happen in as little as 62 milliseconds.
