Bank Transfer vs Transfer (Webhook)

[spencer (Spencer Hunter - Lead Developer Advocate @ Dwolla)]

@bzswords

For all of these webhook events, will they share the same resource ID to identify the transfer grouping all of this under the hood activity?

Secondly, what about a bank-to-bank scenario for a verified to unverified customer? Would it look like the following:

They will not share the same resource (Transfer) ID. It would look like what you outlined.
Each separate leg of the overall transaction will have its own unique transfer ID. To better represent this, I created this gist awhile back that may be a helpful reference. Linked to the specific payment use case you describe.

In terms of tying these unique transfer IDs together, there are a few helpful _links that are returned on the Transfer resource itself that you could use to traverse forward or backward in the overall transfer pipeline. Those links rels are called funding-transfer and funded-transfer. funded-transfer points to a transfer that is further ahead in the overall transaction pipeline. funding-transfer points to a unique transaction that is behind in the transaction pipeline.

For the example you mentioned, when the ACH debit completes to the source Customer records balance, it will result in an ACH credit being created to the receiving party. That will cause the funded-link rel to appear on the Transfer which points to the secondary transfer that is from the destination Customer balance en route to their bank. Here’s what that GET /transfers/{id} would look like:

{
"_links": {
    "self": {
        "href": "https://api-sandbox.dwolla.com/transfers/52fbb333-573a-e711-80f1-0aa34a9b2388",
        "type": "application/vnd.dwolla.v1.hal+json",
        "resource-type": "transfer"
    },
    "source": {
        "href": "https://api-sandbox.dwolla.com/funding-sources/c91d6516-1855-4d36-be7c-bc78cc7c52c3",
        "type": "application/vnd.dwolla.v1.hal+json",
        "resource-type": "funding-source"
    },
    "destination": {
        "href": "https://api-sandbox.dwolla.com/customers/b281413b-1d88-408b-a2b9-5fe5b6f16e63",
        "type": "application/vnd.dwolla.v1.hal+json",
        "resource-type": "customer"
    },
    "funded-transfer": {
        "href": "https://api-sandbox.dwolla.com/transfers/53fbb333-573a-e711-80f1-0aa34a9b2388",
        "type": "application/vnd.dwolla.v1.hal+json",
        "resource-type": "transfer"
    }
},
"id": "52fbb333-573a-e711-80f1-0aa34a9b2388",
"status": "processed",
"amount": {
    "value": "100.00",
    "currency": "USD"
},
"created": "2017-05-16T16:46:27.203Z",
"clearing": {
    "source": "standard"
}

}