By: Caitlin,


Dwolla’s powerful payment platform can be seamlessly integrated into your application—we provide the facility for transferring funds, while you create a compelling business solution that leverages our expertise in payments.

Having never left your website, your users will create and verify their Dwolla account seamlessly with Dwolla OAuth. Through a co-branded experience, account creation will take place following the scopes and permissions initiated by the application you’ve connected with our API.

Integrating with the Dwolla platform and leveraging its powerful, baked-in services—like fraud monitoring, and instant bank account verification—has never been easier.


What is OAuth account creation?

With OAuth, you eliminate the need to redirect your users to a third party payments application. This functionality allows you to host your customer’s Dwolla account creation and bank verification on your site, rather than redirecting your customer to

Basically, you’re keeping customers on your site, while leveraging the safety and security that Dwolla represents.

How does it work?

Your customers will create one of two account types based on the parameters you provide. Option 1, your customer creates a full Dwolla account or, option 2, your customer creates a Dwolla Direct account. Their user experience will differ based on account type, but in either circumstance, a customer will never leave your site.

For customers creating a full Dwolla account:

Full Dwolla accounts require customers to provide more information than a Dwolla Direct account. Through OAuth, a customer will begin by selecting their account type, then entering specific account information such as name, birthdate, address, and more. After completing this registration step, users will add a verified bank account via our instant account verification flow, so they can send and receive funds.

Once they’ve completed setup, these users will enjoy the functionality of a full Dwolla account. They’ll be ready to send and receive funds, without having left your page.

For customers creating a Dwolla Direct account to receive funds only:

Create a Dwolla Direct account with minimal routing instruction.

If your users only need to receive funds, Dwolla’s co-branded OAuth experience will require just a few pieces of information, taking just thirty seconds for a first time user to get going. The exact flow may vary, but typically a customer will first receive notification of payment; then they will enter in name, email, password, bank account and routing number.
That’s it.

Any future transactions will be seamlessly routed to the user’s connected bank or credit union account.

For customers creating a Dwolla Direct account to send and receive funds:

Create a Dwolla Direct account and add a verified bank account.

To pay you from their bank account, your customer will use OAuth to link and verify their bank account. Instant account verification (IAV) verifies ownership of the bank account. Additionally, with a verified Dwolla Direct account, users can send and receive funds through the Dwolla network.

Once a customer has verified their banking information, future transactions will only require them to provide their email and password.

Whether your customers will send or receive funds, it’s important to create an experience that is as fluid as possible. It’s about reducing friction, and with OAuth account creation, the process becomes much smoother.

Dwolla provides you with a full-stack payments solution, while you focus on building your best user experience.

Interested in how your business could be utilizing the Access API within your platform or application? Reach out to our sales team.

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.