While testing the Plaid + Dwolla integration you will want ensure that both APIs are configured to make requests to the Plaid API Sandbox and Dwolla’s Sandbox environments. The Dwolla Sandbox and Production environments are not compatible with the Plaid Development environment.
Note: This assumes you have already created a Customer within the Dwolla API.
Generate a Plaid public_token after a user has authenticated and created an Item. This public_token, along with the account_id, must be exchanged for a Plaid access_token by your back-end server making a call to the Plaid API. Finally, you’ll send the access_token and account_id to the Plaid API in exchange for a Dwolla processor_token which will be sent to the Dwolla API.
Using this processor_token, you’ll pass this in as the value of the plaidToken request parameter, along with a funding source name in the request to create a funding source for a Customer:
POST https://api-sandbox.dwolla.com/customers/AB443D36-3757-44C1-A1B4-29727FB3111C/funding-sources
Content-Type: application/vnd.dwolla.v1.hal+json
Accept: application/vnd.dwolla.v1.hal+json
Authorization: Bearer pBA9fVDBEyYZCEsLf/wKehyh1RTpzjUj5KzIRfDi0wKTii7DqY
{
"plaidToken": "processor-sandbox-161c86dd-d470-47e9-a741-d381c2b2cb6f",
"name": "Jane Doe’s Checking"
}
...
HTTP/1.1 201 Created
Location: https://api-sandbox.dwolla.com/funding-sources/375c6781-2a17-476c-84f7-db7d2f6ffb31
Once you’ve received a successful response from the Dwolla API, you’ll use the unique funding source URL to identify the Customer’s bank when initiating ACH transfers. If you have any issues during the testing process, please reach out to Dwolla developer support.