Activating customers via API


#1

How do we enable customers to activate their account for sending funds? We created these customer accounts through the API. We did not find any developer samples to reactivate the account for sending money.

"source": { "href":"https://api-sandbox.dwolla.com/funding-sources/e5478164-f902-449c-869a-57b7827a257c" }, 
"destination": { "href":"https://api-sandbox.dwolla.com/funding-sources/669175eb-ee3f-44e9-94ed-60e1e4311995" } 
}, 

Account is displayed as verified (see screenshot). How do we add a balance to the customer’s account via API?


(Spencer Hunter) #2

@sunlightmedia, It looks like the source Customer account (and destination Customer) hasn’t yet completed the requirements which makes them eligible to send funds. In order for business Verified Customers to be eligible to send funds they must: 1) ensure that the overall legal entity Customer which includes the business and Controller of the business has completed the identity verification process successfully and that they have a verified status. 2) All applicable Beneficial Owners have been attached to the legal entity Customer and that those individual owners have completed the identity verification process and have a verified status. 3) The account admin (individual signing up for the account) has certified ownership which verifies that information submitted for the legal entity Customer is complete and accurate.

This process outlined above for creating this particular Customer type is explained in more depth in this developer guide: https://developers.dwolla.com/resources/business-verified-customer.html. I would definitely recommend reading through that guide thoroughly and reach out if you have any questions!


#3

Thanks, @spencer.

We were able to complete verification (no notifications of documents or other actions needs are displaying now). We used the sample documents on https://developers.dwolla.com/resources/testing.html

However, we are receiving an error message now we’re not quite clear on:

Also the below code is displayed error. What does it mean? Please advise.  
$target_url = 'https://api-sandbox.dwolla.com/beneficial-owners/12b0de91-1649-48f3-8c4d-3f6da1a4a78c/documents';
$file_name_with_full_path = realpath('Passport_card.jpg') ;
     
$post = array('documentType' => 'passport','file'=>'@'.$file_name_with_full_path);
 
  $ch = curl_init();
  $headers = array(
    'Content-type: multipart/form-data',
    'Authorization: Bearer '. $token,
    'Accept: application/vnd.dwolla.v1.hal+json',
);

  curl_setopt($ch, CURLOPT_URL,$target_url);
  curl_setopt($ch, CURLOPT_HTTPHEADER, $headers);
  curl_setopt($ch, CURLOPT_POST,1);
  curl_setopt($ch, CURLOPT_POSTFIELDS, $post);
  curl_setopt($ch, CURLOPT_RETURNTRANSFER,1);
  curl_setopt($curl, CURLOPT_RETURNTRANSFER, true);

  $result = json_decode(curl_exec($ch));
   
 
  echo '<pre>'.print_r($result,true).'</pre>';
stdClass Object
(
    [code] => NotFound
    [message] => The requested resource was not found.
)

(Spencer Hunter) #4

HI @sunlightmedia, is the Id you’re POSTing to a Customer ID or a Beneficial Owner Id? Those are separate resources in the API and will have their own unique identifier.


#5

We used the customer ID. Below are the steps we took. Please let us know where we went wrong.

  1. Create LLC Business account

URL = https://api-sandbox.dwolla.com/customers/cc7c1e33-1fc7-4a2a-85ca-9058e6658668

  1. Create Beneficial owners

URL = https://api-sandbox.dwolla.com/beneficial-owners/33fd7053-ae6f-4656-a8fe-2436131a5e23

  1. Create bank account

  2. Micro deposit verified.

  3. All Account status’ are verified and No action needed

We have created a transaction and the amount is reflected in the Dwolla account

07%20AM

But Send Fees to Admin ( main merchant ) is not reflected:

'fees'=>[
  '_links'=> [
  'charge-to'=> [
  'href'=> 'https://api-sandbox.dwolla.com/funding-sources/bfbcaaf8-42ad-4137-a4b6-2e7f25e3b3cc'],
  ]
  'amount'=> [
  'value'=>0.5 ,'currency'=>"USD"
  ]
],

(Spencer Hunter) #6

@sunlightmedia, it looks like the only thing that you’ll want to update on your end is the charge-to href. This will want to be a pointer to the Customer URL that identifies the user account you wish to assume the fee. i.e.

'fees'=>[
  '_links'=> [
  'charge-to'=> [
  'href'=> 'https://api-sandbox.dwolla.com/customers/cc7c1e33-1fc7-4a2a-85ca-9058e6658668'],
  ]
  'amount'=> [
  'value'=>0.5 ,'currency'=>"USD"
  ]
]