I’m trying to understand the full process of a transfer. Let me lay out a scenario (all in the sandbox):
I have a funding source on my main account, ID: 123
I have an unverified customer who adds a funding source they plan to use to send me an ACH payment, ID: 456
If I send a transfer request to Dwolla for a transfer of $1000 from ID 456 to ID 123 then I get the following webhooks:
First question: I don’t really understand the difference between these two events. Why am I getting two events here?
Then when I hit the “Process Bank Transfers” button in the sandbox, I get three more webhook topics:
I’m trying to understand what is going on here. It is my understanding (which could be wrong) that there are two ACH transactions happening. The first is from my customer’s bank account into the Dwolla Network, and then the second is from the Dwolla Network into my bank account (funding source).
customer_transfer_completed and the
transfer_completed webhooks telling me that the transfer from the customer’s account into the Dwolla network are complete?
bank_transfer_created webhook telling me that Dwolla has initiated a transfer from their network into my bank account, and that transfer is not yet complete?
At this point, my Dwolla dashboard shows that the payment is “Processed” and from what I can tell, I don’t see anything showing a pending transaction to move the money to my account. First, is my understanding correct that the money is in the Dwolla network right now, but not yet sent to my bank account? Second, if that is the case, how can I see the pending transfers into my bank account in the Dwolla Dashboard?
Then if I hit the “Process Bank Transfers” button again, I get one more event:
I also got an email saying: “Your withdrawal from Dwolla into Superhero Savings Bank has cleared. The funds should now be available in your bank account.”
This seems to further validate my ideas from before. However, I am still a bit confused because there is nothing in the Dashboard at all showing a pending transfer from Dwolla to my account (at least that I can see).
Thank you for reading and helping me understand what’s going on.