Dwolla + plaid integartion

Hello All,
I have integrated the Dwolla + plaid process but I need some information about my bank account balance. First I am sharing the process which I followed
and this process I tested with a sandbox account.

  1. I created one verified customer( sending & receiving amount) & one unverified customer(for receiving amount) via API.
  2. Now In plaid, I authorize the bank account and generate the “processor_token” for Dwolla and then I mapped this “Processer_token”(Plaid Token) via Dwolla API.
  3. Then the mapped bank account will be listed under my customer with verified status and a funding token is generated.
  4. Now I tested by transfer the amount from one account to another account by using a funding token and the amount is transferred successfully.

Now my question is how can I check the remaining balance of the connected bank account(which I authorize in plaid)
Note I tested this process with sandbox account and please confirm if the above steps are correct .

1 Like

Hi @nvarun

There isn’t a way to check a bank account balance with the API or the integration. Plaid, (IAV, Micro deposits, etc.) are tools to confirm that the bank account exists and that the person attempting to attach the bank account to their Dwolla account are owners of that bank account.

Yes this looks correct.

1 Like

Just wanted to add that while Dwolla isn’t able to retrieve a bank balance, you should be able to use Plaid’s API to do so.

2 Likes

Hi I have a similar process and I was able to link the bank accounts via plaid and do the ach transfers via dwolla.

I am also using plaid balance check to verify the balance and I get the information. However my question is does the plaid bank account in sandbox see its balance reduced after transfer? I check the balance again (via plaid balance check) but I see the same balance before and after transfer. Is this because I am using Sandbox and in production the balances would be accurate?

I am trying to make sure everything is done correctly before going to production so it would be nice to be able to check balance before and after transfer.

Thanks!

Hi @afahim12! Ah, yes, the balance won’t change in Plaid’s Sandbox whenever a transfer is created in Dwolla. This is because no actual funds are being moved in Sandbox and the communication between Plaid and Dwolla is a one time call. Dwolla calls Plaid for the Account and Routing numbers in exchange for the Plaid token.

In production, you will be able to see the balance of the bank account increase after the ACH transfer processing is complete as per the transfer timeline - ACH Processing Times | Dwolla API Documentation

Hope that helps. Let us know if you have any questions!