By: Ben Milne,

Developers building software for banks have the same difficulties developers in the non-bank world have. It’s hard to get money from point A to point B. While you would think this would be easy for a bank… It isn’t.

Dwolla’s network is designed to solve problems here and can also help developers building bank software make payments from one account to another via the network.

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Today, we give you Guest Send. Which does just that.

We’ve been thinking. Assuming you had all the compliance done, what is the easiest way to get money from 1 location to another? Just send the data to an endpoint with no complicated scope and let Dwolla do the heavy lifting.

Person to person payments, or person to anything payments have typically been a long drawn out thing for financial service providers and banks alike. Now, all bank providers and banks alike can just request access to our API and drop it into their app. That could be:

Technically, a request must include this data:

curl https://www.dwolla.com/oauth/rest/transactions/guestsend \
-X POST \
-H ‘Content-Type: application/json’ \
-d ‘{\
“client_id”: “”, \
“client_secret”: “”, \
“amount”: “”, \
“firstName”: “”, \
“lastName”: “”, \
“emailAddress”: “”, \
“routingNumber”: “”, \
“accountNumber”: “”, \
“accountType”: “”, \
“assumeCosts”: “false”, \
“destinationType”: “Dwolla”}’

That’s it!

A whole person to person platform in 1 API endpoint. This allows you to tell us what account to get the money from and where to deliver the money to.

No complicated negotiation process or wonky contract. Just payments

Your software simply hits our endpoint and we take care of the money movement. Enjoy 😉

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Financial institutions play an important role in the Dwolla network.

Dwolla, Inc. is an agent of Veridian Credit Union and Compass Bank and all funds associated with your account in the Dwolla network are held in pooled accounts at Veridian Credit Union and Compass Bank. These funds are not eligible for individual insurance, including FDIC insurance and may not be eligible for share insurance by the National Credit Union Share Insurance Fund. Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to Veridian Credit Union and Compass Bank.