Ok, that is good to know.
If I may, let me lay out what I currently have developed, and if I am missing a step or detail then that’d be great to know.
Tenant fills out a form which includes: First Name, Last Name, Email, Account Number, Routing Number, “checking” or “savings,” and the Account Nickname.
The form calls our API which connects, gets authorization from Dwolla, and creates a customer with the tenant’s form information. Their bank data specifically gets stored in their “/funding-sources” and in return Dwolla gives me a one-time use IAV token which I send to the front-end.
The tenant’s Dwolla customer account is now 100% complete and ready to send money to a verified customer of ours.
Same as tenant’s “Step 1” but with additional form inputs to verify their identity: Type (personal), Address1, City, State, postalCode, dateOfBirth, last-four of ssn
Same as tenant’s “Step 2” but stores additional form data (identity data for Dwolla verification) to Dwolla and my database.
Same as tenant’s “Step 3”
The owner’s Dwolla customer account is now 100% complete and ready to receive money because they’re a verified customer of ours with the identity data that was submitted in “Step 1.”
Create a new form for transferring funds that accepts a tenant email, an owner email, and a dollar amount.
Submitting the form, using their emails, we find both the tenant’s and owner’s funding-source urls. We add the tenant’s funding-source url to the “requestBody” under _links.source.href and add the owner’s funding-source url to the “requestBody” under _links.destination.href and the dollar amount to the “requestBody” under amount.value with amount.currency hardcoded to ‘USD’ - then we send the “requestBody” to post to Dwolla’s transfer API.
If the transfer is successful, Dwolla’s transfer API gives me back the location header which is the URL of the transfer. Which I store in my tenant’s and owner’s user profiles in my database just for the record.
The money is now transferred successfully because both bank accounts were verified with IAV and the owner identity was verified (because at least one customer needs to have their identity verified).
I currently have this setup running on Dwolla’s sandbox, but I still have to go into Dwolla and press the “Process Bank Transfers” button. If I am out of the sandbox, will that transfer happen without me needing to press the button?
Thanks in advance for all your help