Dwolla Master Account Transfer Funds

IshanM · January 5, 2021, 5:09pm

I want to transfer funds from a funding source attached to Dwolla Master Account. If I just verify the funding source, will I be able to transfer funds ? How do I verify my Dwolla master account ? If I add Dwolla balance from the attached verified funding source, will I be able to transfer funds from Dwolla Master Account’s balance to a customer’s funding source ?

kmoreira · January 5, 2021, 8:01pm

Hi @IshanM

In order to verify an unverified funding source in the Dwolla Master Account, you can initiate micro deposits and then verify those micro deposits

You should be able to transfer money to customers from the verified funding source after this, keeping in mind the dollar limit per customer types

(Jumping further) The Sandbox environment does not replicate any bank transfer processes, so you will see a pending transfer that will not clear or fail automatically after a few business days as it would in production.

To process a pending transfer in the sandbox, click the “Process bank transfers” button available in the Dashboard (https://dashboard-sandbox.dwolla.com ), (header) which will process the last 500 bank transfers that occurred on your Sandbox account and Customer accounts you manage (if applicable).

After this the transfer should complete and give you a status of Processed

IshanM · January 7, 2021, 1:47pm

I have a verified funding source attached to Dwolla Master Account. I have a receive-only customer. I have created a verified funding source attached to the customer.
Now, I sent funds from verified funding source of Master Account to the verified funding source of the customer using Dashboard.

I received the following webhooks:

bank_transfer_created
transfer_created
customer_transfer_created

When I clicked on ‘Process bank transfers’ button in dashboard, I received “bank_transfer_completed” webhook.

When I again clicked on ‘Process bank transfers’ button in dashboard, I received following webhooks:

transfer_completed
customer_transfer_completed

Please clarify the following things considering the above given scenario:

“bank_transfer_created” webhook means the funds are moving from verified funding source of Master Account to Dwolla network. Is this right ?
“transfer_created” webhook means the funds are moving from verified funding source of Master Account. This same is indicated by “bank_transfer_created” webhook, right ? What is the purpose of this webhook ?
“customer_transfer_created” webhook: In the documentation, it states: “A transfer was created for a Customer. Represents funds transferring from a verified Customer’s balance or unverified Customer’s bank.”
How does it fit in the above given scenario ? Shouldn’t this webhook get triggered when the funds have successfully transferred from verified funding source of Master account to Dwolla network ?
“bank_transfer_completed” webhook means the funds have successfully moved from verified funding source of Master Account to Dwolla network. Is this right ?
“transfer_completed” webhook: What does this webhook indicate ? Why this webhook came when I clicked on “Process bank transfers” button twice ?
“customer_transfer_completed” webhook means the amount has been successfully transferred from verified funding source of Master account to verified funding source of receive-only customer. Is this right? Does this webhook indicates a successful transaction ?
How do I relate all these webhooks as one customer payment flow ? I can see different resourceId for some webhooks and for some, same resourceId. I want to handle this at backend side.

IshanM · January 9, 2021, 5:13pm

Can you please help me ?

kmoreira · January 11, 2021, 2:59pm

Hi @IshanM Ishan,

Please refer to the explanation below.

“When I clicked on ‘Process bank transfers’ button in dashboard, I received “bank_transfer_completed” webhook.”

You were correct in using this button to complete the transfers. The Sandbox environment does not replicate any ACH processes, so a pending transfer will not clear or fail automatically after a few business days as it would in production. It will simply remain in the pending state indefinitely.

“When I again clicked on ‘Process bank transfers’ button in dashboard, I received following webhooks:”

It is important to note that a single API request can trigger multiple webhooks to be fired. Webhooks are sent asynchronously and are not guaranteed to be delivered in order. We recommend that applications protect against duplicated events by making event processing idempotent.

In this scenario, yes. You can also find meanings to each webhook event here
The transfer_created webhook means the funds are moving from a verified funding source of Master Account in this scenario, but can come from a Dwolla balance and not necessarily from or to a funding source. It can be triggered in a Dwolla balance to balance scenario. This is the purpose and difference between transfer_created and bank_transfer_created . For this question as well as 5 and 7, you can also check out this reply here where it explains receiving webhooks for both parties involved in the transaction (User A - Source & User B - Destination), as well as how to reconcile webhooks.
In this scenario the customer_transfer_created webhook was triggered when the funds to the verified funding source of the master account was sent to the customer. When funds are successfully transferred, the webhook customer_transfer_completed was triggered.
Yes, this is correct.
transfer_completed indicates that a transfer has cleared successfully. Represents funds clearing either to or from a Dwolla Master Account’s balance or bank . In your scenario it cleared from the Master account’s funding source.
Yes, this indicates a successful transfer.
To relate webhooks to one payment flow you can make a call to customers/{id} to retrieve their e-mail addresses (or to your own database) so that you can send your notification message. Resource ids are the id of the resource associated with the event. Please refer to the different event topics in the api docs.