Dwolla · Schema

Transfer

PaymentsACHBank TransfersFintechAccount-to-Account PaymentsMoney MovementInstant PaymentsOpen BankingWebhookKYCUnited StatesOpen FinanceSame-Day ACHRTPFedNowMass PaymentsDrop-in ComponentsSDKSandbox

Properties

Name	Type	Description
_links	object
id	string
status	string
amount	object
created	string
clearing	object
metadata	object
achDetails	object	ACH-specific details for the transfer. Present when transfer was processed via ACH network.
rtpDetails	object	Real-Time Payments (RTP) network specific details. Present when transfer was processed via RTP network.
fedNowDetails	object	FedNow Service network specific details. Present when transfer was processed via FedNow network.
correlationId	string
processingChannel	object

View JSON Schema on GitHub

JSON Schema

{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://raw.githubusercontent.com/api-evangelist/dwolla/main/json-schema/dwolla-transfer-schema.json",
  "title": "Transfer",
  "x-generated": "2026-10-12",
  "x-method": "derived",
  "x-generator": "derive-json-schema.py",
  "x-source": "openapi/dwolla-transfers-api-openapi.yml#/components/schemas/Transfer",
  "type": "object",
  "properties": {
    "_links": {
      "type": "object",
      "additionalProperties": {
        "$ref": "#/$defs/HalLink"
      }
    },
    "id": {
      "type": "string"
    },
    "status": {
      "type": "string"
    },
    "amount": {
      "type": "object",
      "properties": {
        "value": {
          "type": "string"
        },
        "currency": {
          "type": "string"
        }
      }
    },
    "created": {
      "type": "string",
      "format": "date-time"
    },
    "clearing": {
      "type": "object",
      "properties": {
        "source": {
          "type": "string"
        },
        "destination": {
          "type": "string"
        }
      }
    },
    "metadata": {
      "type": "object",
      "properties": {
        "paymentId": {
          "type": "string"
        },
        "note": {
          "type": "string"
        }
      }
    },
    "achDetails": {
      "type": "object",
      "description": "ACH-specific details for the transfer. Present when transfer was processed via ACH network.",
      "properties": {
        "source": {
          "type": "object",
          "description": "Information sent to the source/originating bank account along with the transfer",
          "properties": {
            "addenda": {
              "type": "object",
              "description": "Contains addenda information for the transfer",
              "properties": {
                "values": {
                  "type": "array",
                  "items": {
                    "type": "string"
                  },
                  "description": "An array containing a single string addenda value"
                }
              }
            },
            "beneficiaryName": {
              "type": "string",
              "description": "Beneficiary of the transaction's name. In general, should match the user onboarded to the Platform's name"
            },
            "companyEntryDescription": {
              "type": "string",
              "description": "Describes the purpose of the transaction",
              "enum": [
                "REVERSAL",
                "RECLAIM",
                "NO CHECK",
                "AUTOENROLL",
                "REDEPCHECK",
                "RETURN FEE",
                "RETRY PMNT",
                "HEALTHCARE",
                "PAYMENT"
              ]
            },
            "companyId": {
              "type": "string",
              "description": "Numeric identifier of originator"
            },
            "companyName": {
              "type": "string",
              "description": "Name of the originator"
            },
            "effectiveDate": {
              "type": "string",
              "format": "date",
              "description": "The date when the ACH transaction becomes effective, formatted as YYYY-MM-DD. This is typically the settlement date for the transaction"
            },
            "postingData": {
              "type": "string",
              "description": "Suggested memo line format for bank statements, structured as companyName:companyDiscretionaryData:beneficiaryName"
            },
            "routingNumber": {
              "type": "string",
              "description": "Routing number of Originating Depository Financial Institution (ODFI). Identifies the financial institution that originated the ACH transaction"
            },
            "traceId": {
              "type": "string",
              "description": "A unique identifier for tracing the ACH transaction through the banking network. Used for transaction tracking and reconciliation purposes"
            }
          }
        },
        "destination": {
          "type": "object",
          "description": "Information sent to the destination/receiving bank account along with the transfer",
          "properties": {
            "addenda": {
              "type": "object",
              "description": "Contains addenda information for the transfer",
              "properties": {
                "values": {
                  "type": "array",
                  "items": {
                    "type": "string"
                  },
                  "description": "An array containing a single string addenda value"
                }
              }
            },
            "beneficiaryName": {
              "type": "string",
              "description": "Beneficiary of the transaction's name. In general, should match the user onboarded to the Platform's name"
            },
            "companyEntryDescription": {
              "type": "string",
              "description": "Describes the purpose of the transaction",
              "enum": [
                "REVERSAL",
                "RECLAIM",
                "NO CHECK",
                "AUTOENROLL",
                "REDEPCHECK",
                "RETURN FEE",
                "RETRY PMNT",
                "HEALTHCARE",
                "PAYMENT"
              ]
            },
            "companyId": {
              "type": "string",
              "description": "Numeric identifier of originator"
            },
            "companyName": {
              "type": "string",
              "description": "Name of the originator"
            },
            "effectiveDate": {
              "type": "string",
              "format": "date",
              "description": "The date when the ACH transaction becomes effective, formatted as YYYY-MM-DD. This is typically the settlement date for the transaction"
            },
            "postingData": {
              "type": "string",
              "description": "Suggested memo line format for bank statements, structured as companyName:companyDiscretionaryData:beneficiaryName"
            },
            "routingNumber": {
              "type": "string",
              "description": "Routing number of Originating Depository Financial Institution (ODFI). Identifies the financial institution that originated the ACH transaction"
            },
            "traceId": {
              "type": "string",
              "description": "A unique identifier for tracing the ACH transaction through the banking network. Used for transaction tracking and reconciliation purposes"
            }
          }
        }
      }
    },
    "rtpDetails": {
      "type": "object",
      "description": "Real-Time Payments (RTP) network specific details. Present when transfer was processed via RTP network.",
      "properties": {
        "destination": {
          "type": "object",
          "description": "RTP destination details with network identifiers",
          "properties": {
            "remittanceData": {
              "type": "string",
              "description": "Remittance information included in the transfer request"
            },
            "networkId": {
              "type": "string",
              "description": "Unique identifier for the transfer within the RTP network"
            },
            "endToEndReferenceId": {
              "type": "string",
              "description": "End-to-end reference identifier for the RTP transfer"
            }
          }
        }
      }
    },
    "fedNowDetails": {
      "type": "object",
      "description": "FedNow Service network specific details. Present when transfer was processed via FedNow network.",
      "properties": {
        "destination": {
          "type": "object",
          "description": "FedNow destination details with network identifiers",
          "properties": {
            "remittanceData": {
              "type": "string",
              "description": "Remittance information included in the transfer request"
            },
            "networkId": {
              "type": "string",
              "description": "Unique identifier for the transfer within the FedNow network"
            },
            "endToEndReferenceId": {
              "type": "string",
              "description": "End-to-end reference identifier for the FedNow transfer"
            }
          }
        }
      }
    },
    "correlationId": {
      "type": "string"
    },
    "processingChannel": {
      "type": "object",
      "properties": {
        "destination": {
          "type": "string",
          "enum": [
            "real-time-payments",
            "fed-now"
          ],
          "description": "The payment network used to process the transfer"
        }
      }
    }
  },
  "$defs": {
    "HalLink": {
      "title": "HalLink",
      "type": "object",
      "properties": {
        "href": {
          "type": "string"
        },
        "type": {
          "type": "string"
        },
        "resource-type": {
          "type": "string"
        }
      }
    }
  }
}

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