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.
Create a Customer
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.

Create a Customer
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

Onboard a customer to receive funds or verify their identity for full functionality.
Attach a Funding Source
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

Add a funding source without having to store the sensitive data.
Initiate a Transfer
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

Program a payment to move funds between accounts.

Experience a Digital Transformation

Embed programmable payments with reporting, compliance and security infrastructure built-in.

Configurable

Create a solution to improve the customer experience and automate manual business processes.
  • Multiple Bank Account Verification Methods
  • Real-Time Customer Onboarding
  • Consistent Branding

Validated

Stay updated with transaction activity using real-time notifications from the Dwolla API.
  • 99.9% Uptime
  • Automated Returns
  • Real-Time Webhook Notifications

Scalable

Millions of customers are moving billions of dollars each year using Dwolla.
  • 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.

Facilitator Fee

Compensate yourself for coordinating payments between two customers.

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.

Mass Payments

Send up to 5,000 payments at once, with just a few clicks of a button.

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.

View Pricing Plans

Pay-As-You-Go

Standard functionality and transfer speeds with no annual commitment.

Scale

Predictable pricing with access to expanded features, faster transfer options and dedicated support.

Enterprise

Custom feature development and transaction volumes with prioritized support.

Supporting Your Digital Transformation

Time and money are valuable commodities—we save your business both.

Engaged Community Forum

All pricing plans have access to Dwolla’s community forum to answer any and all questions.

Dedicated Support Teams

Scale and Enterprise clients are assigned a dedicated integration and account manager to assist with the integration process and ensure a successful payments partnership.

Dedicated Communication Channel

We create private Slack channels for Scale and Enterprise clients as direct lines of communication to provide real-time support.

Controlling Programmable Payments

Manage user onboarding, initiate transactions and monitor the activity within your application from an easy-to-use dashboard.

Initiate Payments With Only a Few Clicks
Monitor All Activity Across Your Platform
Designate User Permissions

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.

Start Testing

Ready to Start Transacting?

Access Dwolla’s programmable payments platform and start moving money.
Get Started