Dwolla · Schema
Transfers
PaymentsACHBank TransfersFintechAccount-to-Account PaymentsMoney MovementInstant PaymentsOpen BankingWebhookKYCUnited StatesOpen FinanceSame-Day ACHRTPFedNowMass PaymentsDrop-in ComponentsSDKSandbox
Properties
| Name | Type | Description |
|---|---|---|
| _links | object | |
| _embedded | object | |
| total | integer |
JSON Schema
{
"$schema": "https://json-schema.org/draft/2020-12/schema",
"$id": "https://raw.githubusercontent.com/api-evangelist/dwolla/main/json-schema/dwolla-transfers-schema.json",
"title": "Transfers",
"x-generated": "2026-10-12",
"x-method": "derived",
"x-generator": "derive-json-schema.py",
"x-source": "openapi/dwolla-accounts-api-openapi.yml#/components/schemas/Transfers",
"type": "object",
"properties": {
"_links": {
"additionalProperties": {
"$ref": "#/$defs/HalLink"
}
},
"_embedded": {
"type": "object",
"properties": {
"transfers": {
"type": "array",
"items": {
"$ref": "#/$defs/Transfer"
}
}
}
},
"total": {
"type": "integer"
}
},
"$defs": {
"HalLink": {
"title": "HalLink",
"type": "object",
"properties": {
"href": {
"type": "string"
},
"type": {
"type": "string"
},
"resource-type": {
"type": "string"
}
}
},
"Transfer": {
"title": "Transfer",
"type": "object",
"properties": {
"_links": {
"type": "object",
"additionalProperties": {
"$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"
}
}
}
}
}
}
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