October 2018 Updates - Featuring Addenda and General Ledger Support

Dwolla Developer Update

They say time flies when you’re having fun. I must be having fun, it’s nearly the end of 2018.

As we progress towards our mission of building the ideal platform to move money, we continually introduce ways to showcase our customers’ businesses and brands. Our simple-to-use payment platform unlocks the power of the U.S banking infrastructure, and we are trusted by businesses of all sizes to support the payment aspect of their business.

We listen to our customers, and, because of this, we are able to evolve our offerings to better support their needs.

Some ACH-related product enhancements we’ve made in the last month include:

  • Addenda Record Support
    • CCD+ ACH File Format Support
  • General Ledger Support

And just for fun:

  • Dwolla Rebrand

Addenda Record

The addenda record is used to provide additional information to the payment recipient about the payment. This value will be passed in a transfer request and can be exposed on your user’s bank statement. Addenda records provide a unique opportunity to supply your users with more information about their transactions. Allowing you to include additional details about the transaction—such as invoice numbers—provides your end users with more information about the transaction in the comfort of their personal bank statements

To create a transfer with an addenda record, you will need to add the achDetails and Addenda object to your transfer request.

  • achDetails object
    • Represents information that is sent to a source/originating bank account along with a transfer. Include information within this JSON object for customizing details on ACH debit transfers. Can include an addenda JSON object.
  • Addenda object
    • An addenda object contains a values key which is an array of comma separated string addenda values. Addenda record information is used for the purpose of transmitting transfer-related information. Values must be less than or equal to 80 characters and can include spaces. Acceptable characters are: a-Z, 0-9 , and special characters - _ . ~! * ' ( ) ; : @ & = + $ , / ? % # [ ].

Example HTTP request and response

POST https://api=sandbox.dwolla.com/transfers
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer {accessToken}
Content-Type: application/json
Idempotency-Key: c7c8bc84-663c-49d7-8c42-e3f938252a33
   "_links": {
       "source": {
           "href": "https://api-sandbox.dwolla.com/funding-sources/3152c22b-3d72-442d-a83b-e575df3a043e"
       "destination": {
           "href": "https://api-sandbox.dwolla.com/funding-sources/456ef23f-d51c-4781-8fb6-dd0cb8a40192"
   "amount": {
       "currency": "USD",
       "value": "10.00"
    "achDetails": {
        "source": {
            "addenda": {
                "values": ["ABC123_AddendaValue"]
        "destination": {
            "addenda": {
                "values": ["ZYX987_AddendaValue"]
. . .

HTTP/1.1 201 Created
Location: https://api-sandbox.dwolla.com/transfers/74c9129b-d14a-e511-80da-0aa34a9b2388

CCD+ ACH Format Support

Dwolla has added support for CCD+ ACH format. Cash concentration and disbursements (CCD) are a standard type of ACH entry for business to business transactions. CCD+ is simply a CCD transaction initiated by a business that includes support for a single 80 character addendum record. An addenda includes additional information about the transaction that businesses can customize, but is not required for ACH processing. For customers looking to leverage the functionality that CCD+ provides, reach out to our business development team to learn more. For live customers that want to receive additional information for CCD+, please reach out to your Account Manager.

General Ledger Funding Source

The Dwolla API was born out of a need to facilitate the movement of funds to/from checking or savings accounts. Nonetheless, we understand there are business use cases where sending transfers exclusively to or from a checking or savings account will not work. Luckily, business who have an established relationship with a financial institutions can now add general ledger funding sources to a customer record. This allows for greater transfer flexibility and added granularity around which account is sending or receiving funds.

Financial institutions, credit unions, and insurance companies can now add their general ledger accounts as a funding source to enable ACH transactions to or from their account.

Branding Updates

You might have noticed our new branding in our Dev Docs, Dwolla Dashboard and redesigned website. Say hello to our new logo!

Looking Ahead

2018 has been the year of recommitting to our mission of building the ideal platform to move money. As we look to continue to grow, it is imperative to maintain a rock-solid foundation to better enable our customers to build great applications and scale their business with the Dwolla Platform.

As we push to 2019, our product roadmap is chalk full of feature enhancements to delight and satisfy our customers, with the intent of bringing additional value to those businesses that currently leverage Dwolla’s Platform to facilitate the movement of money within their own application.

Let’s chat, what kind of product improvements are you looking for? How can we continue to make the platform better?

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