create a customer and originate an ACH transfer with Dwolla (sandbox)

Steps

1. Obtain an OAuth access token by POSTing to the token endpoint with your sandbox client_id and client_secret and grant_type=client_credentials.
2. Create a verified or unverified customer by POSTing to /v2/customers with the required fields (firstName, lastName, email, and for verified customers, address and date of birth); record the customer resource URL from the Location header.
3. Add a bank funding source to the customer by POSTing to /v2/customers/{id}/funding-sources with routing number, account number, bankAccountType, and a name; receive the funding source URL.
4. Verify the funding source using micro-deposits or instant verification (Plaid/Dwolla IAV) before it can be used for transfers.
5. Initiate a transfer by POSTing to /v2/transfers with _links for source and destination funding sources, the amount object (value and currency), and an idempotency-key header.
6. Poll GET /v2/transfers/{id} or subscribe to Dwolla webhooks (transfer_completed, transfer_failed) to track the transfer to a terminal status.