Getting started

Sandbox environment

The Sandbox environment is a complete replica of the Dwolla production environment, supporting all of the same API endpoints. Applications should be built and tested against the Sandbox environment before being used in production.

Differences from Dwolla production

  • The Sandbox contains only test data and is completely separate from your production account
  • Actual money is not sent or received as part of test transactions. Real financial data should never be used in the Sandbox
  • The Sandbox web interface is available at
  • All API endpoints have a base URL of instead of

Sandbox account

To get started, the first thing you need is a Sandbox account. You’ll be able to test your code end-to-end after creating test accounts, and use test credentials to make API requests and verify the responses.


  1. Create a master Sandbox account with a valid email address belonging to you.
  2. Use your master account and the Sandbox Console interface to create a child account with funds and attached bank accounts.
  3. Create API credentials using the child Sandbox account.
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.