How does a user with a Direct account add a bank with microdeposits rather than entering their bank username and password? Some of my users are uncomfortable with this, but don’t see the option to choose microdeposits.
Response from Dwolla support via email:
Thank you for your email. Dwolla Direct accounts are very limited, but they have the benefit of being the easiest account to open. When a user opens a Dwolla Direct account, the only info we collect is their email and password for sign-in credentials and the user’s bank account information. That allows a person without a Dwolla account that wants to make a payment on a merchant’s site or accept a payment from another user quickly and easily.
If the user does not want to provide their online banking login credentials they will have to upgrade to a full Dwolla account at dwolla.com/direct/upgrade and will have the option to connect a funding source with deposit verification.
Let us know if you have questions.