I tried the ruby steps in getting the balance of a customer’s funding source which is in this link API Reference | Dwolla API Documentation. But I get this error
DwollaV2::ForbiddenError: {“code”=>“Forbidden”, “message”=>“The supplied credentials are not authorized for this resource.”}
How do I get the balance of a customer’s funding source/bank account
The funding source is create through Dwolla.js IAV
@Genaro_Legaspi, This feature (bank balance check) is an add-on as part of our API, therefore it isn’t enabled by default in our Sandbox. Please let me know if you’re interested in testing this out and I can get this enabled on your Sandbox account! (DM me your Sandbox account email address)
Thanks for the reply @spencer, I’m interested to test this out. How can I make a DM here or can I just put the email here.
hello @spencer if I integrate this feature on production(not on sandbox) is this free?
Already sent the email
hi @spencer i’m also interested on enabling bank balance check on my dwolla sandbox account, here’s my dwolla sandbox email excelsior.mante@gmail.com
@excelsior.mante, This feature has been enabled on your sandbox account.
hi @spencer thank you for the quick response, now i’m getting this response when calling the getbalance api, all api’s works fine aside from the getbalance, im using the dwolla-swagger-php library
this is the exact call I make to use getbalance api
@excelsior.mante, The funding source ID you are passing into the request appears to identify a bank that was connected using the Dwolla + Plaid integration. If you’re using Plaid’s IAV solution for verifying bank account ownership then you’ll want to call Plaid’s API to obtain the user’s connected bank balance. If you’re using Dwolla’s IAV solution, then you can call Dwolla’s API to obtain the user’s connected bank balance.
Hi @spencer, can you enable bank balance check on my dwolla sandbox account? My email for the account is cabrams@playmesocial.com. Thanks!
Hi @cabrams, Unfortunately bank balance check is a feature that is no longer a part of our product offerings as an add-on to the IAV (Instant bank account verification) flow. However, with continued interest from the Dwolla community it is definitely something we’ll re-consider exposing functionality to allow for bank balance check in our API. As an alternative, I would recommend checking out Plaid Link and their Balance API. 
Hi @spencer, can you enable bank balance check on my dwolla sandbox account? My email for the account is [trainedmanwins@gmail.com]. Thanks!
I attached customer’s verified bank account with IAV method.
let me know how i check bank balance…
i have to transfer amount to another customer’s attached bank.
thanks in advance
Hi @Zafar_Ahmed, I’m afraid we no longer support bank balance check as part of our IAV flow. Spencer has addressed a similar request in this thread. Please refer to his comment above for more information!
Hi,
I have the same error but with labels method, when I try to create a label , I’m receiving “The supplied credentials are not authorized for this resource.” error , the documentation says “Contact us to enable this functionality”. Can you help me with that please? we need to test it.
Thank you
@shreya I am new here and have a related question:
Our business is a pretty straightforward facilitation model where users send funds to our merchants directly through our platform. We facilitate payments on our platform and take a facilitation fee on every transaction.
We have connected Plaid and are a bit lost in the IAV docs. Specifically, can you please let me know the reasons why we cannot drop Plaid and just use Dwolla? What can Plaid to that Dwolla cannot?
Hi @k3lly! I can definitely get your account set up to test with labels. Would you be able to provide your Sandbox Master account ID, or any other ID related to a resource created in your Sandbox application?
Hi @Cowboy, you can certainly use Dwolla’s solution for IAV (Instant Account Verification) for adding and verifying a funding-source.
Plaid does offer other features like
checking the Balance of a bank at any given time before making a transfer, which reduces the risk of receiving ACH failure return codes, and pulling a list of transactions made by the Customer using their bank. These functionalities aren’t supported by IAV.
Hope that helps! Let me know if you have any questions!
@shreya, one more question.
On the merchant side:
Do I understand it correctly that Plaid does not provide us any additional benefit for new merchant onboarding as long as they only RECEIVE money, BUT it’s better to start checking their balances with Plaid when they start SENDING money to reduce the risk of receiving ACH failure return codes?
On the consumer side:
We do NOT need to use Dwolla’s IAV if we use Plaid to verify user accounts, correct?
But we still need to register them in Dwolla and, as a result, have to pay some money for registering them and creating a payment source for each of them, correct?
Hi @Cowboy,
On the merchant side: That’s correct! It is useful to check their Balance before they start sending funds.
On the consumer side: Also correct! If using Plaid, you can just use Plaid+Dwolla’s tokenized integration to add the bank account to a Dwolla Customer account. If utilizing Plaid, you wouldn’t be charged for the bank verification portion, but the costs for onboarding a Customer would still be valid as per the contract.
Do we have an API to check if the ACH for a transfer has cleared? How can we check the customer’s funding source balance. I need to ensure if the customer has enough balance prior to transfer.
