Sender restricted

Hi Team,

I would like to integrate dwolla with plaid.

I’ve created two user and transferring amount from one fund source id to another.

Please check the request information as below:

Endpoint: https://api-sandbox.dwolla.com/transfers

Method: Post

Body:
{
“_links”: {
“source”: {
“href”: “https://api-sandbox.dwolla.com/funding-sources/fdb3bbee-eea0-4905-9357-171f0a795486
},
“destination”: {
“href”: “https://api-sandbox.dwolla.com/funding-sources/70741129-e834-4d62-a04c-2ca906b3312e
}
},
“amount”: {
“currency”: “USD”,
“value”: “1.00”
}
}

I am receiving error as below:
{
“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”: {}
}
]
}
}

Can you please help me? I am stuck here and not getting any information from the documents.

Thanks & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

Hi @Harsh_Shah!

We have a guide for Plaid + Dwolla integration. Here you will find information on how to generate Plaid’s processor token and create a funding source using Plaid.

Plaid also has its own docs on how to add Dwolla to your app to send and receive payments.

If these aren’t helpful, please don’t hesitate to reach out again with any questions.

1 Like

Hi @Harsh_Shah – as for the error message, looks like the source funding-source belongs to a Receive-only User. This Customer type can only receive funds, which is why you’re getting the "Sender restricted" error. Check out the Customer Types that are available in Dwolla to determine what Customer Type you will need to create for your use case - https://developers.dwolla.com/concepts/customer-types#customer-types

Here’s also a step-by-step guide that you can follow in order to create a transfer between two of your users - https://developers.dwolla.com/guides/transfer-money-between-users#transfer-money-between-your-users

Hope that helps!

Hi @shreya,

I can not able to create an Unverified Customer.

Please check the request and response as below:

Step 3: Creating an Unverified Customer

End Point: https://api-sandbox.dwolla.com/customers

Method: Post

Body:
{
“firstName”: “Jane”,
“lastName”: “Merchant”,
“email”: “jane@mailinator.com”,
“ipAddress”: “99.99.99.99”,
“businessName”: “Jane Merchant’s Business”
}

Response:

{
“code”: “Forbidden”,
“message”: “The supplied credentials are not authorized for this resource.”
}

I am awaiting for your response.

Thanks & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

Hi Harsh, would you be able to give that a try again when you get a chance? Looks like your Sandbox account had some settings toggled on that would prevent you from creating Unverified and Verified Customers. Sorry about that!

Hi @shreya,

I am able to create an Unverified Customer now.

Can you inform me what you’ve changed? So,i can take care.

I’ll also check next process for fund transfer and let you know.

Thanks & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

The Sandbox account was limited to creating Receive-only type Customers, which has now been disabled. You should be fine testing now!

Do let me know if you run into any issues or questions!

Hi @shreya,

Happy new year.

I am integrating dwolla with plaid.

Plaid will do bank verification process and linked the fund source to the dwolla customer.

Does send user require balance to transfer amount in other dwolla user account?

or

Can amount deduct from the sender fund source id/bank and credit into the receiver fund source id/bank?

I am awaiting for your response.

Thanks & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

Hey @Harsh_Shah

In case it will help your situation, I’d take a look at the Transferring Money Between Users overview.

Hi @kmoreira,

We’ve integrated plaid iOS and android library in the mobile application.

Response of public token with metadata:

I/flutter (29715): onSuccess: public-sandbox-4db0d114-296b-4471-b0e5-7803bd3af8e0, metadata: linkSessionId: 1b1009cc-5f9e-4f5a-b39a-fb6dc801fd83, institutionId: ins_14, institutionName: TD Bank, accounts: [id: VA4g9k8QGoh5GJyNp1gzubwq5Xly8RtWmWqBy, mask: 0000, name: Plaid Checking, type: depository, subtype: checking, verification_status: null][id: wVE5oQBp9DhVLPG6M9Z8I6GadKgR3LurNrEbZ, mask: 1111, name: Plaid Saving, type: depository, subtype: savings, verification_status: null]

When we create public token using plaid library, then we are getting array for the “accounts”. We’ve to pass one account_id only when we call “/processor/token/create”.

Reference:

Question:
1.Which account id we need to pass from above public token metadata response?

I am awaiting for your response.

Thanks & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

Hey @Harsh_Shah

Let me know if this helps:

Once you have identified the account you will use, you will send the account_id property of the account to Plaid, along with the access_token , to create a Dwolla processor_token . You’ll send this token to Dwolla and we will use it to securely retrieve account and routing numbers from Plaid.

Plaid also has their own docs in regards to using it with the Dwolla integration here

I realize your question is for mobile, so if you still have trouble feel free to share your code as well.

Hi @kmoreira ,

When we create public token then we are getting two object/raw in “accounts” array.

Do we need to pass first object id VA4g9k8QGoh5GJyNp1gzubwq5Xly8RtWmWqBy or second object id wVE5oQBp9DhVLPG6M9Z8I6GadKgR3LurNrEbZ to create a Dwolla processor_token?

That is the question.

Is it possible to discuss on call? Because, it’s taking to much time for integration.

Thanks & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

Hi @Harsh_Shah.

For anything related to Plaid itself, you would need to reach out to the Plaid support team.

If you are a Dwolla Scale or Enterprise client you can contact your Account Manger to schedule a call with a Developer Advocate.

We do not support calls for PAYG clients at this time

Hi @kmoreira,

I hope that you are doing well.

I heard that Dwolla is not supporting Guam bank.

Is it true?

I am awaiting for your response.

Thanks & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

Hi @Harsh_Shah

We support any of the U.S. territories. Puerto Rico, Guam, Virgin Islands, Northern Mariana Islands, American Samoa, for example, are all accepted under our platform.

Hi @kmoreira,

I hope that you are doing well.

I discussed with plaid support team. Your team asking me to contact plaid team and plaid team is asking me to contact dwolla team.

Please find the chat log as below:

===============================================================================

Hi,

Please check the following db log:

Array
(
[0] => stdClass Object
(
[int_id] => 1
[fk_userid] => 6
[fk_dwolla_customerid] => 998b7bec-57cc-4fde-bab3-6bf2a09bd0e0
[var_funding_sourcesid] => 7dfec89c-f115-44ea-a76d-7bb542239760
[chr_primary] => Y
[var_account_id] => 5pWZRWa6B4uwkwlze9vEu63oQqXoeMcZD4GeN
[txt_public_token] => public-sandbox-18cea90e-bd67-4440-b4d9-7b00387c86b2
[var_bank_name] => Plaid Checking
[var_institution_id] => ins_3
[var_subtype] => checking
[var_verification_status] => Optional
[var_processor_or_plaid_token] => processor-sandbox-fffaf87b-27ab-4601-9458-0f16594b6df6
[chr_status] => A
[dt_createddate] => 2021-01-12 01:28:10
[dt_updateddate] => 2021-01-12 01:28:10
)
[1] => stdClass Object
(
[int_id] => 2
[fk_userid] => 6
[fk_dwolla_customerid] => 998b7bec-57cc-4fde-bab3-6bf2a09bd0e0
[var_funding_sourcesid] => 7a995772-6913-40c8-850a-db7185f062a4
[chr_primary] => N
[var_account_id] => JpZy5gnXbzfdzg1llgjACllajvRNrBFdDewLl
[txt_public_token] => public-sandbox-6cfe04f3-a2d7-41e4-bc4c-83b11b1cb03f
[var_bank_name] => Plaid Saving
[var_institution_id] => ins_6
[var_subtype] => savings
[var_verification_status] => Optional
[var_processor_or_plaid_token] => processor-sandbox-f9c69dca-f26f-4051-b9e5-15483971cd44
[chr_status] => D
[dt_createddate] => 2021-01-12 01:30:00
[dt_updateddate] => 2021-01-12 01:30:40
)
[2] => stdClass Object
(
[int_id] => 3
[fk_userid] => 6
[fk_dwolla_customerid] => 998b7bec-57cc-4fde-bab3-6bf2a09bd0e0
[var_funding_sourcesid] => 7dfec89c-f115-44ea-a76d-7bb542239760
[chr_primary] => N
[var_account_id] => Eel7nVBojNUWl9X41rBPcXgZq4AagjiXLArlv
[txt_public_token] => public-sandbox-90ba2ed2-dd1f-4af8-b750-8c5eb0bf9911
[var_bank_name] => Plaid Saving
[var_institution_id] => ins_6
[var_subtype] => savings
[var_verification_status] => Optional
[var_processor_or_plaid_token] => processor-sandbox-69c98895-0203-4f7f-b789-5a0500710c77
[chr_status] => A
[dt_createddate] => 2021-01-12 01:31:12
[dt_updateddate] => 2021-01-12 01:31:12
)
)

I am receiving same funding source id in 1st and 3rd object.

Step 1:
Create Funding Source with Plaid Checking Bank
Step 2:
Create Funding Source with Plaid Saving Bank
Step 3:
Remove Funding Source which was created in Step 2
Step 4:
Create Funding Source with Plaid Saving Bank
We are getting same funding source here which was created in Step 1.

Is it possible to discuss on call or live chat?

Thanks & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

Plaid Response:

Plaid Support Jan 13, 2021

Hi Harsh Shah,

Thanks for the reply!

We are getting same funding source here which was created in Step 1.
The funding source is a Dwolla-specific identifier — if you are expecting a different funding source, please contact the Dwolla support team to troubleshoot this issue.

I am sorry that Plaid Support does not have a live chat service — if I have misunderstood your issue, please clarify your problem with additional details so that we can help you further.

Cheers,
Daniel
Plaid Support

===============================================================================

Can you check and give me proper solution?

Thanks & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

Hi,

@kmoreira @shreya

Other user is also posted same issue. I just found on the community.

Please find the link as below:

I have seen that there are no response from @shreya after responding from the user.

I am awaiting for your response.

Thank & Regards…
-Harsh Shah
Email: h.shah@savvient.com.au

Hi @Harsh_Shah – there seems to have been a misunderstanding.The question that we recommended you ask Plaid’s support team was the following -

However, the question you asked Plaid seems to be a different issue. Would you be able to share more details about the issue you’re encountering related to Dwolla?

If it’s related to the post that you mentioned – where Plaid Sandbox only provides two sets of Account and Routing numbers to create dummy bank accounts – then my reply to that question still applies. In Production, you should be able to add as many bank accounts as your account is approved for.

Let me know how I can help!