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Dwolla SDK for Ruby

This repository contains the source code for Dwolla's Ruby-based SDK, which allows developers to interact with Dwolla's server-side API via a Ruby API, with automatic OAuth token management included. Any action that can be performed via an HTTP request can be made using this SDK when executed within a server-side environment.

Table of Contents

Getting Started


To begin using this SDK, you will first need to download it to your machine. We use RubyGems to distribute this package.

Add this line to your application's Gemfile:

gem 'dwolla_v2', '~> 3.1'

And then execute:

$ bundle

Or install it yourself as:

$ gem install dwolla_v2


Before any API requests can be made, you must first determine which environment you will be using, as well as fetch the application key and secret. To fetch your application key and secret, please visit one of the following links:

Finally, you can create an instance of Client with key and secret replaced with the application key and secret that you fetched from one of the aforementioned links, respectively.

# config/initializers/dwolla.rb
$dwolla =
  environment: :sandbox # defaults to :production

Configure Faraday (Optional)

Dwolla for Ruby uses Faraday to make HTTP requests. You can configure your own Faraday middleware and adapter when configuring your client. Remember to always include an adapter last, even if you want to use the default adapter.

# config/initializers/dwolla.rb
$dwolla =
) do |config|

  config.faraday do |faraday|
    faraday.response :logger
    faraday.adapter Faraday.default_adapter

Making Requests

Once you've created a Client, currently, you can make low-level HTTP requests.

Low-level Requests

To make low-level HTTP requests, you can use the get(), post(), and delete() methods.


$dwolla.get "resource", foo: "bar"


# POST {"foo":"bar"}
$ "resource", foo: "bar"

# POST multipart/form-data foo=...
$ "resource", foo:"/path/to/bar.png", "image/png")


$dwolla.delete "resource"
Setting Headers

To set additional headers on a request, you can pass a Hash of headers as the 3rd argument.

For example:

$ "customers", { firstName: "John", lastName: "Doe", email: "" },
                          { 'Idempotency-Key': 'a52fcf63-0730-41c3-96e8-7147b5d1fb01' }


The following snippets demonstrate successful and errored responses from the Dwolla API.

An errored response is returned when Dwolla's servers respond with a status code that is greater than or equal to 400, whereas a successful response is when Dwolla's servers respond with a 200-level status code.


Successful requests return a DwollaV2::Response.

res = $dwolla.get "/"
# => #<DwollaV2::Response response_status=200 response_headers={"server"=>"cloudflare-nginx", "date"=>"Mon, 28 Mar 2016 15:30:23 GMT", "content-type"=>"application/vnd.dwolla.v1.hal+json; charset=UTF-8", "content-length"=>"150", "connection"=>"close", "set-cookie"=>"__cfduid=d9dcd0f586c166d36cbd45b992bdaa11b1459179023; expires=Tue, 28-Mar-17 15:30:23 GMT; path=/;; HttpOnly", "x-request-id"=>"69a4e612-5dae-4c52-a6a0-2f921e34a88a", "cf-ray"=>"28ac1f81875941e3-MSP"} {"_links"=>{"events"=>{"href"=>""}, "webhook-subscriptions"=>{"href"=>""}}}>

# => 200

# => {"server"=>"cloudflare-nginx", "date"=>"Mon, 28 Mar 2016 15:30:23 GMT", "content-type"=>"application/vnd.dwolla.v1.hal+json; charset=UTF-8", "content-length"=>"150", "connection"=>"close", "set-cookie"=>"__cfduid=d9dcd0f586c166d36cbd45b992bdaa11b1459179023; expires=Tue, 28-Mar-17 15:30:23 GMT; path=/;; HttpOnly", "x-request-id"=>"69a4e612-5dae-4c52-a6a0-2f921e34a88a", "cf-ray"=>"28ac1f81875941e3-MSP"}
# => ""

If the server returns an error, a DwollaV2::Error (or one of its subclasses) will be raised. DwollaV2::Errors are similar to DwollaV2::Responses.

  $dwolla.get "/not-found"
rescue DwollaV2::NotFoundError => e
  # => #<DwollaV2::NotFoundError response_status=404 response_headers={"server"=>"cloudflare-nginx", "date"=>"Mon, 28 Mar 2016 15:35:32 GMT", "content-type"=>"application/vnd.dwolla.v1.hal+json; profile=\"\"; charset=UTF-8", "content-length"=>"69", "connection"=>"close", "set-cookie"=>"__cfduid=da1478bfdf3e56275cd8a6a741866ccce1459179332; expires=Tue, 28-Mar-17 15:35:32 GMT; path=/;; HttpOnly", "access-control-allow-origin"=>"*", "x-request-id"=>"667fca74-b53d-43db-bddd-50426a011881", "cf-ray"=>"28ac270abca64207-MSP"} {"code"=>"NotFound", "message"=>"The requested resource was not found."}>

  # => 404

  # => {"server"=>"cloudflare-nginx", "date"=>"Mon, 28 Mar 2016 15:35:32 GMT", "content-type"=>"application/vnd.dwolla.v1.hal+json; profile=\"\"; charset=UTF-8", "content-length"=>"69", "connection"=>"close", "set-cookie"=>"__cfduid=da1478bfdf3e56275cd8a6a741866ccce1459179332; expires=Tue, 28-Mar-17 15:35:32 GMT; path=/;; HttpOnly", "access-control-allow-origin"=>"*", "x-request-id"=>"667fca74-b53d-43db-bddd-50426a011881", "cf-ray"=>"28ac270abca64207-MSP"}

  # => "NotFound"
rescue DwollaV2::Error => e
  # ...
DwollaV2::Error subclasses:

See for more info.

  • DwollaV2::AccessDeniedError
  • DwollaV2::InvalidCredentialsError
  • DwollaV2::NotFoundError
  • DwollaV2::BadRequestError
  • DwollaV2::InvalidGrantError
  • DwollaV2::RequestTimeoutError
  • DwollaV2::ExpiredAccessTokenError
  • DwollaV2::InvalidRequestError
  • DwollaV2::ServerError
  • DwollaV2::ForbiddenError
  • DwollaV2::InvalidResourceStateError
  • DwollaV2::TemporarilyUnavailableError
  • DwollaV2::InvalidAccessTokenError
  • DwollaV2::InvalidScopeError
  • DwollaV2::UnauthorizedClientError
  • DwollaV2::InvalidAccountStatusError
  • DwollaV2::InvalidScopesError
  • DwollaV2::UnsupportedGrantTypeError
  • DwollaV2::InvalidApplicationStatusError
  • DwollaV2::InvalidVersionError
  • DwollaV2::UnsupportedResponseTypeError
  • DwollaV2::InvalidClientError
  • DwollaV2::MethodNotAllowedError
  • DwollaV2::ValidationError
  • DwollaV2::TooManyRequestsError
  • DwollaV2::ConflictError


  • 4.0.0 - Major version update to include support for Faraday 2.0, discontinue support for Ruby versions prior to v2.6, and adopt faraday-multipart in place of Faraday middleware.
  • 3.2.0 - Minor version update to support Ruby 3.2+. The change involves adding '**' to the codebase to make opts in ./lib/dwollav2/client.rb compliant with Ruby 3.2+. (Thanks @peterb-onramp!). #68
  • 3.1.1 - Fix deprecation warning on Faraday::Connection#authorization (Thanks @javierjulio!). #60
  • 3.1.0 - Added DwollaV2::MaxNumberOfResourcesError (Thanks @paulyeo21!). #54
  • 3.0.1 - Update dependencies (Thanks @sealabcore!). #48
  • 3.0.0 - Add integrations auth functions
  • 3.0.0.beta1 - Add token management functionality to DwollaV2::Client
  • 2.2.1 - Update dependencies
  • 2.2.0 - Change token url from to
  • 2.1.0 - Ensure Time.iso8601 is defined so timestamps get parsed. #38 (Thanks @javierjulio!)
  • 2.0.3 - Add DuplicateResourceError #34 (Thanks @javierjulio!)
  • 2.0.2 - Fix bug in #30 (Thanks again @sobrinho!
  • 2.0.1 - Fix bugs in #27 + #28 (Thanks @sobrinho!)
  • 2.0.0
  • Rename DwollaV2::Response #status => #response_status, #headers => #response_headers to prevent conflicts with response body properties.
  • Remove support for Ruby versions < 2 (Bump public_suffix dependency version).
  • 1.2.3 - Implement #empty? on DwollaV2::Token to allow it to be passed to ActiveRecord constructor.
  • 1.2.2 - Strip domain from URLs provided to token.* methods.
  • 1.2.1 - Update sandbox URLs from uat => sandbox.
  • 1.2.0 - Refer to Client :id as :key in docs/public APIs for consistency.
  • 1.1.2 - Add support for verified_account and dwolla_landing auth flags.
  • 1.1.1 - Add TooManyRequestsError and ConflictError classes.
  • 1.1.0 - Support setting headers on a per-request basis.
  • 1.0.1 - Set user agent header.
  • 1.0.0 - Refactor Error class to be more like response, add ability to access keys using methods.
  • 0.4.0 - Refactor and document how DwollaV2::Response works
  • 0.3.1 - better DwollaV2::Error error messages
  • 0.3.0 - ISO8601 values in response body are converted to Time objects
  • 0.2.0 - Works with attr_encrypted
  • 0.1.1 - Handle 500 error with HTML response body when requesting a token


  • If you have any feedback, please reach out to us on our forums or by creating a GitHub issue.
  • If you would like to contribute to this library, bug reports and pull requests are always appreciated!
    • After checking out the repo, run bin/setup to install dependencies. Then, run rake spec to run the tests. You can also run bin/console for an interactive prompt that will allow you to experiment.
    • To install this gem onto your local machine, run bundle exec rake install. To release a new version, update the version number in version.rb, and then run bundle exec rake release, which will create a git tag for the version, push git commits and tags, and push the .gem file to


If you prefer to use Docker to run dwolla-v2-python locally, a Dockerfile is included at the root directory. Follow these instructions from Docker's website to create a Docker image from the Dockerfile, and run it.

Additional Resources

To learn more about Dwolla and how to integrate our product with your application, please consider visiting the following resources and becoming a member of our community!