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But what if your users don't have Dwolla accounts?

Kevin, thank you for asking! This is a topic that raises questions frequently :


"
I will be facilitating as well. But what if your users don't have Dwolla accounts? What is the best way to create them on the fly through the facilitating application? Is there an API for that or would it all have to be done through the Dwolla website?

Thanks,
Kevin
"


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  • 1
    I'll break the answer up by answering two questions.


    1) Is there an API call for registering a new Dwolla user or would it all have to be done through the Dwolla website?

    Yes, there is an API call for registering a new Dwolla user. Please check out the Register endpoint made available via Dwolla GRID AccountAPI. All API documentation is linked directly from this forum.




    2) Does an end user have to have a Dwolla account to send money via Dwolla?

    Yes, an end user must have a Dwolla account to send money via Dwolla.

    However, NO, an end user does not need a Dwolla account to receive Dwolla payments. The great part about this is you may send money to any of your Facebook friends or Twitter followers not registered for Dwolla. You may also send money to any email address or phone number of someone not registered for Dwolla. How to do so is documented in the Dwolla GRID AccountAPI 'Send' endpoint documentation.




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  • Does Dwolla support a mobile sign-up? We are creating a mobile app, and would like to use Dwolla, but how would our app's users sign up with Dwolla? Option 1: we present your sign up form as an embedded page within our app, Option 2: You provide a sign-up API that we can call from our app/server.

    This reply was created from a merged topic originally titled
    Sign-up API or sign-up from Mobile App that uses Dwolla.
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  • I’m excited
    The GRID API Register call may be used in your mobile apps.

    If you've had a chance to download the free Dwolla app for iOS devices, Andriod devices, or Windows 7 Phone we encourage you to watch for updates on those Dwolla-natvie apps as well. :)
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  • Thanks, and are there any compliance laws that related to all this, like how PCI compliance relates to credit card acceptance?

    What user credentials would we end up storing in our system? Just a user id?
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  • One of the virtues of Dwolla (or downfalls depending on your perspective) is that we are a cash based network. In fact, this is baked into our name : Dwolla = Web + Dollar.

    Part of the reason Dwolla was formed was to avoid credit card network interchange fees when they aren't necessary. That's why we can charge so little.

    We do not rely on credit networks nor process credit transactions which means PCI compliance does not apply. :)

    We're often coupled with a credit card option for customers who don't have the cash on hand and/or prefer a debt-based payment method.

    Third parties using the Dwolla GRID APIs store OAuth access tokens & that is it.
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  • Can I use Dwolla as my back-end payment processing engine for payments between my users. That is: use Dwolla APIs to automate the sign-up and payment transactions. Where the scenario:
    - I have two types of users of my application/solution who will give me their bank information
    - Can I set up Dwolla accounts for my Users type A and Users type B. Then a Dwolla account for me.
    - When my User A makes a payment for a purchase to User B. Then I will need to automate that transactions.
    - In essence my users don't have to go to Dwolla individually to set up account. As far as they are concerned, they have accounts with my application.

    Please provide if this is possible with Dwolla with the APIs you provide.

    Thanks.

    This reply was created from a merged topic originally titled
    Automating/Integrating using Dwolla APIs.
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  • Biswajit,

    The only thing I should additionally mention is that users absolutely must know they are registering for Dwolla & accept the Dwolla Terms of Service.

    Please review the API terms of service before registering users with our API :
    https://www.dwolla.com/tos/dev
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  • Karrie,

    Thanks for such an immediate response. BTW: Congratulation on Dwolla, which is a great. I am based in Silicon Valley and have a stealth-mode startup and happened to read about you yesterday.

    I trying to explore best and cheaper payment solution. Also making it seamless for my users, which can grow significantly based on success. So what you are saying, each user must have to go to Dwolla website to accept terms, even if I will automate the sign-up process through the bank information in their profile within my application. Or there is a way around or a better way to process that.

    Thanks.
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  • Thank you for checking us out.


    "
    each user must have to go to Dwolla website to accept terms,
    "

    Not exactly. Yes, you'd want to pull directly from dwolla.com/tos to make sure you present up-to-date terms of service. At the same time, we don't have a preference on how the third party makes this happen, to the end user it wouldn't necessarily mean redirecting them to dwolla.com & then back to your sight - the terms could be rendered in any type of UI element. Did you look at the API documentation for registering a user ? We explain it there : https://www.dwolla.com/developers/end...


    "
    even if I will automate the sign-up process through the bank information in their profile within my application
    "

    I don't think I follow you on this part of the question. Dwolla never exposes (or gives an interface to) a Dwolla user's bank account information and the end user never has to enter bank account information when making a payment on a third party website.
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  • Thanks.

    I think the the 1st part pretty much answers my overall question and it seems we should be able to use Dwolla for what we are doing. The 2nd part is irrelevant and just emphasizing the process, since our users to our application, will provide their bank account information in their user account/profile on our website/application, which we will use to create Dwolla accounts.

    I will have my engineer look in to further details which are more technical in nature.

    Thanks again for your help.
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  • Ok, understood.

    Sounds good & we look forward to working with you both.
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  • I’m confused
    even if you create a user account on the fly through the API, don't they have to have a bank account added in order to complete the payment? I'm thinking of a shopping cart checkout scenario.
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  • Via the API, Dwolla guarantees 'good funds' for the merchant. Saying this another way, ACH settlement does not come into play.

    That means, for brand new users - registering on the fly during a checkout process -there is friction for the first Dwolla purchase. Either they'll sign up & use Dwolla the next time or they'll opt in to the Dwolla Instant program for instant cash. Instant is not a solution for every purchase however as currently the limit is $500.00.

    A top priority for Dwolla is finding inexpensive ways to get users faster and faster access to cash (not credit) - a large part of our Q1 2012 efforts are in fact focused on implementing additional ways to do so & these efforts will continue throughout the year.

    Thank you for the question Naomi.
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  • Looking into using dwolla in order to be the online funding system for our users of our social network. Had a couple of questions though:)

    1. Can each user on the network be auto registered for a dwolla account....almost like a single sign on, where the money they earn through the network be kept in the account....like each member is a merchant and a customer at the same time.

    2. can someone pay for a good via credit card that goes to a master account and then based upon the account type, would pass on a percentage of the sale to another user?

    3. Can someone that is just visiting use their credit card to purchase something?

    4. is it possible to have instances of dwolla running on the same system? (an example of this would be 2 cart types: 1 that would go into one major account and have some of the money go to the user accounts and a second that is linked directly to the personal virtual store of a user so if they put something up for sale, they have the availability to collect the money, (minus the transaction fees) and then p[ass on the order to the user supplier to ship?

    Thanks in advance for any answers you may have!

    Best,
    J

    This reply was created from a merged topic originally titled
    Can each user on the network be auto registered for a dwolla account..
    • HI Justin,

      This thread should answer your first question as should our API documentation.

      There's one part of your first question we're not sure about :

      like each member is a merchant and a customer at the same time

      It's unclear whether you're referring to some entity or idea in your own system here or talking about the state of the Dwolla account, but if the later, sure - you may advise which Dwolla account type the party signs up as & as any account type they can send or receive money.

      @2 & 3

      Are you under the impression Dwolla processes debit &/or credit cards? Related topic : https://getsatisfaction.com/dwolla/to...

      @4
      Dwolla won't run on your system.
      Your application will consume the Dwolla API - talk to Dwolla - over HTTP.
      Have you seen the API documentation? It's linked from this forum or just go to dwolla.com/developers.
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  • The one question I don't see answered here is how to programmatically add bank account info to a programmatically created account. What I want (and what I think others on this thread want) is to be able to use Dwolla to seamlessly transfer money from customer's bank account to merchant's bank account via my application, **without the need for them to register or set up anything on Dwolla's site**. I want them to enter their bank account information on my end and have the Dwolla side set up for them. This would be the best thing for the user - to not have to leave your application to go to Dwolla and set up their account. Is this possible? It does not seem so according to the API documentation. I can see security ramifications in this request, but no more than what is exposed today (someone could create an account and link any bank account they know the credentials for...).
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