Dwolla wallet to wallet failure

41

Hi @sanjay-cygnet – for this use case, I would recommend creating one debit from the Buyer’s bank account into the Secondary seller’s Balance. You can attach a 5% fee in that transfer request so that it gets routed automatically to the Dwolla Master Account Wallet.

Once the funds land in the Secondary Seller’s Balance, you can create two transfers - one to the Primary seller’s wallet, another to the Secondary seller’s bank account.

To correlate these three separate transfers together, you can utilize correlationId in the transfer requests to attach a unique ID to your transfer resource.

Hope that helps! Let me know if you have any questions!

42

So you mean,

Create one wallet to wallet transfer between buyer and secondary seller with 5% facilitation fee. And do separate wallet to wallet transfer between buyer and primary seller.

Is this correct?

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43

Ans if we want to go with Mass payment then what will be the feasibility?

I mean using mass payment we can add three destination wallet, Master acc, primary seller and secondary seller. Is this approach proper or not?

Thanks.

44

The first part of that is correct! For the second part, you could do wallet to wallet transfers between the secondary seller and the primary seller.

You could use masspayments as well! However, it does require that the sender of funds (buyer) be a Verified Customer. In your scenario, what customer types are each of the parties?

45

Our all customers are Dwolla personal verified customer.

Suggest which approach we can use.

46

Hi @sanjay-cygnet – in that case, using Masspayments might be the best approach here.

  • Masspayment source would be the buyer’s bank funding source account ID.
  • There would be three items in the MP
    • destination #1: 5% of amount to the Master Account Dwolla Balance (wallet) or bank
    • destination #2: 10% of amount to the Primary Seller’s Dwolla Balance (wallet) or bank
    • destination #3: Remaining amount to the Secondary Seller’s Dwolla Balance (wallet) or bank

The buyer will only see 1 debit entry in their bank account for the full amount, and each recipient will see what they are owed in the individual transfer details. You can also test this in the Sandbox before rolling it out to Production.

Let us know if you run into issues or questions during testing and implmentation!

47

Here you mentioned in first line > Mass payment source would be the buyer’s bank funding source account ID. Here I have a question, We are not using bank funding source for buyer, we want to use wallet funding source for all buyer, master acc, Primary seller and secondary seller.

Please confirm we can use wallet funding source for buyer in Mass Payment. Thanks.

48

Hi @sanjay-cygnet , Yes, you can pre-load the balance/wallet and create a disbursement from that source.

1 Like
49

Hello @shreya @spencer

Is it possible to attach facilitation fees on mass payment?

50

Hi @sanjay-cygnet – we do not currently support facilitation fees with masspayments. We have received feedback from other clients to support this feature, however it’s not something on our roadmap for the near future. If you’d like to be notified about API updates, feel free to sign up here!

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51

Thanks.

I am creating mass payment by balance funding sources for all primary seller, secondary seller, buyer and for master account.

After creating mass payment transaction via dwolla API, The mass payment transaction will COMPLETED on the spot, and I can get completed status when retrieve mass payment details.

Is it correct? Please confirm.

52

Hi @sanjay-cygnet – once you create the masspayment, Dwolla will process it and send a customer_mass_payment_completed webhook when the job finishes processing. So, in that sense, it isn’t completed on the spot, but rather consecutively after you create the masspayment. However, with only three items, it should process pretty quickly (3 seconds at max according to the timing mentioned in the docs).

53

So, In that case we can hold for 3-5 seconds and again get the mass payment details and if it’s completed we can notify users?

Is this correct approach?

image
This tells A verified Customer’s mass payment was completed. However, this doesn’t mean that each mass payment item’s transfer was successful.

When we can get ack after all items in mass payment get processed successfully?

54

Hi @sanjay-cygnet – rather than waiting for a certain time and polling the API, we recommend listening to the customer_mass_payment_completed webhook and then checking the masspayment details via the API. You will then see in the items list that some or all were successful in creating transfers. For the ones that failed, you’ll find a failure reason attached it it, like the funding-source is removed, or the customer is deactivated. You will need to correct those issues and then attempt to create another masspayment with those items only, or create individual transfers for them.

I’d recommend checking out this post by Cory which describes creating and handling masspayments step-by-step - Mass Payments - Pay 5,000 People in Five Simple Steps

55

Hi @shreya

dave+sandbox2@nxlvl.app - Can you share what is the ACH transaction limit and wallet to wallet transfer limit on this account?

Also can you share transfer limit via mass transfer?

56

Hi @sanjay-cygnet, the limit set on your account are as follows -

  • Weekly Transaction Send Limit (Unverified Customers) - $20,000
  • Per Transaction Send Limit (Verified Customers) - $20,000
  • Per transaction Send Limit (Main Account) - $20,000

Transfer from the wallet also adhere to the same limits.
As for a mass transfer (aka masspayment), the $20,000 limit applies to each item in the masspayment. You can have multiple items in the MP that are <= $20,000. An item that goes over will result in an "Invalid amount" error.

1 Like
57

Hi @shreya

Use case:

  • We are using https://www.authorize.net as a credit card payment gateway. We gonna create VAN account in dwolla and we will add that VAN account details as a merchant billing information in https://www.authorize.net
  • When settlement done from https://www.authorize.net once in day, we will receive money in our Dwolla Van account, I need to confirm that - Do we receive any webhook/confirmation when money settle in Dwolla Van account? Because when money receive in VAN account we do have to payout to multiple users.

And one more query, Can we test VAN account in Dwolla Sandbox? I mean, Can we create VAN acc in Dwolla Sandbox and add that VAN acc no & routing number in https://www.authorize.net Sandbox billing info (Bank acc details), and when settlement happen in https://www.authorize.net I want to get money in Dwolla Sandbox VAN account? Is it possible?

Thanks.

58

When I try transfer money to master VAN account from customer BANK funding source, I am getting this errors in sandbox -

Unhandled rejection Error: {“code”:“ValidationError”,“message”:“Validation error(s) present. See embedded errors list for more details.”,“_embedded”:{“errors”:[{“code”:“NotAllowed”,“message”:“Creating transfers is not supported for virtual funding sources.”,“path”:“/_links/destination/href”,“_links”:{}}]}}

59

Hi @sanjay-cygnet, the use case you mentioned above fits perfectly for VANs. You will get notified via webhooks when external transfers are made using VANs. We have more information on tracking VANs transfers in our documentation here - Virtual Accounts | Concept Article | Dwolla Documentation

As for testing transfers using VANs in the Sandbox, we do not have an integration with https://www.authorize.net/ to be able to simulate transfers in Sandbox, but we do support simulating external transfers in our Sandbox. It isn’t done via the regular Transfers endpoint. Rather it is done using the /sandbox-simulations endpoint. More details in our guide - Testing ACH, RTP, P2D, and VANs Transfers in the Dwolla Sandbox | Dwolla API Documentation

Here’s also an API request example of simulating an external transfer into a VAN -

POST https://api-sandbox.dwolla.com/sandbox-simulations
Accept: application/vnd.dwolla.v1.hal+json
Content-Type: application/vnd.dwolla.v1.hal+json
Authorization: Bearer {Your access token}

{
    "type": "virtual",
    "transfers": [
        {
            "_link": {
                "destination": {
                    "href": "https://api-sandbox.dwolla.com/funding-sources/5880e310-675a-4ce3-87d9-a475cc565e09"
                }
            },
            "amount": {
                "currency": "USD",
                "value": "1.11"
            },
            "achDetails": {
                "companyEntryDescription": "AUTOENROLL",
                "companyName": "Test Business Name",
                "companyDiscretionaryData": "Test discretionary data",
                "beneficiaryName": "Test Name",
                "routingNumber": "012256789",
                "addenda": "addenda example",
                "companyId": "0012422"
            }
        }
    ]
}

...

HTTP/1.1 202 Accepted

Hope this helps! Let us know if you have any questions!

60

Hi @shreya

Can we initiate mass transfer from verified customer wallet to verified business wallet ? How ?