What info is needed to initiate a bank transfer in Dwolla?

API Support Transfers
1

Hi,

Currently we ask users for their first name, last name, and email address before we take them to a screen to enter their routing number and account number. Does Dwolla check if the first name, last name, and email address match with what are associated w/ their bank? If they provide a fake name or nickname, would Dwolla fail the transaction?

Thanks!

1 Like
2

Hi @tk_disqo – thanks for posting! Dwolla’s doesn’t check to see if a User’ name matches the name in their bank account. If allowing bank accounts that possess the same name as the name provided when creating a Customer account is something you would like to implement, I would recommend checking out Plaid’s API which lets you retrieve information about the User based on the Bank accounts they authenticate. You can also use Plaid+Dwolla integration to then add these bank accounts as Verified funding-sources to the Customer accounts in Dwolla.

Hope that helps! Please let me know if you have any further questions!

3

Hi Shreya,

Thanks for the reply. Does Dwolla check to see if a user’s email matches the email associated with their bank account? What does Dwolla check?

Thanks!

4

Ah, sorry missed out the email part. Dwolla doesn’t have a way to check that the email, or the name matches the email/name associated with their bank account. When a bank account is added via the API using the Account and Routing number, we only check to see that the routing number is a valid US routing number that supports ACH, and that the account number is within 4-17 digits.

5

Hi Shreya,

Thanks again for your reply. One more question, does Dwolla require first name, last name and email address to create a Customer account for bank transfer?

Thanks,
Ting

6

Hi @tk_disqo – that’s correct. Dwolla requires at least the email, firstName, and lastName of a person in order to create an Unverified Customer account, to which a bank account can then be added. Check out this doc to learn more about the type of Customers you can create in Dwolla - https://developers.dwolla.com/concepts/customer-types#customer-types