Sender restricted error for business verified user

[atkjs (atik)]

transfer request {"_links":{“source”:{“href”:“https://api-sandbox.dwolla.com/funding-sources/78db2475-ab5d-4960-b674-bd7251e6d7ee"},“destination”:{“href”:“https://api-sandbox.dwolla.com/funding-sources/ff6ca049-bb2d-481f-bbba-de46f975ef26”}},“amount”:{“currency”:“USD”,“value”:62.21},“correlationId”:“i0mtKH6prse0TCDCCrgVv5Z9uCC2”,“fees”:[{"_links":{“charge-to”:{“href”:“https://api-sandbox.dwolla.com/customers/8eb61507-e9f1-4f18-8383-33837e149a77”}},“amount”:{“currency”:“USD”,"value”:0.79}}]}

Error:

{“code”:“ValidationError”,“message”:“Validation error(s) present. See embedded errors list for more details.”,"_embedded":{“errors”:[{“code”:“Restricted”,“message”:“Sender restricted.”,“path”:"/_links/source/href","_links":{}}]}}

here sender ( business verified user) and receiver (verified receive only user) both the verified but getting sender restricted error.

[shreya (Shreya | Developer Advocate @ Dwolla)]

Hi @atkjs – it appears the Business Verified Customer (sender) has yet to certify their beneficial-ownership, which is why they’re restricted from sending funds.

[atkjs (atik)]

Got it. But the user is created from the drop-in component (dwolla-business-vcr) where the user input has all the necessary fields

[shreya (Shreya | Developer Advocate @ Dwolla)]

Ah, I see. There should’ve been an additional flow at the end of creation of the Business Verified Customer to add information about Beneficial Owners. Was that not the case here?

Anyways, you should be able to trigger the beneficial owners flow after the fact as well! Here’s our docs on configuring and implementing this drop-in - https://developers.dwolla.com/concepts/drop-in-components#create-beneficial-owners

[Chayan_Biswas]

The steps we have done so far

1. Create user with business vcr drop-in component
2. Beneficiary owner done using this dropin component (dwolla-beneficial-owners)
3. Document upload (dwolla-document-upload)

With sole proprietorship user can transfer payment, but when selecting LLC, partner, corporation send restrict still exists even though we added those steps… If we select 25% ownership, then that problem occurs otherwise we go success to transfer payment.

We are very confused why this sender restricted issues still exists.

[shreya (Shreya | Developer Advocate @ Dwolla)]

Hi @Chayan_Biswas – thanks for outlining the complete steps you took so far!

It appears the beneficial owners are certified yet. That’s the last piece in un-restricting the Customer from creating transfers.

It’s included in the <dwolla-beneficial-owners> drop-in flow as a checkbox.

Alternatively, you can also call the API to certify beneficial-ownership - Certifying Beneficial Ownership | Dwolla API Documentation