I’m making a payment from a verified customer’s bank to an unverified customer’s bank. I’m specifying an addenda, but the unverified customer’s bank is not seeing it in the payment description. What’s worse is that my name is being displayed. I would very much like to make my name off of these transactions.
I realize this is a multi-leg payment. Transaction IDs are:
51e744b2-b838-ef11-ac7e-0a27ad48efdb
52e744b2-b838-ef11-ac7e-0a27ad48efdb
I can see the addenda destination record in the second transfer id. Can someone verify that I’m setting these correctly? I thought maybe the fact that it was a mulit-leg payment, that the addenda might be lost.
spencer
(Spencer Hunter - Lead Developer Advocate @ Dwolla)
2
Hi @lucio , See my replies below and let me know if you have any follow up questions!
I see that you’re passing in the Addenda value properly from an API perspective which is great! Knowing that, the Addenda record is sent along with the ACH entry to the RDFI. Seeing that the Addenda information isn’t displayed inline with the ACH entry for the recipient’s bank account, it’s likely a result of the RDFI not displaying this supplemental payment information back to the end user. We cannot control this and unfortunately the specification doesn’t require that RDFIs strictly adhere to a rule where it is a requirement to display this information. It gives the RDFI the option, but is not a requirement. What I would likely recommend is a) contact the bank and let them know that supplemental Addenda information is being sent but isn’t being displayed, and request that it’s surfaced in the bank line or additional reporting; and b) provide functionality within the context of your application where you can surface supplemental payment information back to the end user. Often times, our clients will utilize the Individual ACH ID (string of alphanumerics that starts with an “I”) as a correlating ID and then rely on the API or their app to provide additional information from a reporting/reconciliation perspective.
After reviewing your account, the bank line is customized to send your preferred business name that is set within Dwolla. The only other option available would be to configure all transactions to display the sending/receiving Customer record name. e.g. the recipient would see the sending party’s name on the bank line. If interested in this configuration option, you’ll want to reach out to our support team support@dwolla.com who can assist you with your account.
and let me know if you have any follow up questions!