---
title: "Create an exchange for a customer"
method: POST
path: "/customers/{id}/exchanges"
tags: ["exchanges"]
---

# Create an exchange for a customer

`POST /customers/{id}/exchanges`

Creates an exchange connection between a customer and Dwolla. Request body varies by partner (Plaid, MX, Flinks, Finicity, Checkout.com). For bank accounts, use Plaid, MX, Flinks, or Finicity to establish secure access to the customer's bank account data. For debit cards (Push to Card), use Checkout.com and pass the payment ID from Checkout.com Flow.

## Path parameters

- `id` string, required

## Headers

- `Accept` 'application/vnd.dwolla.v1.hal+json', required

## Response `201`

created

## Other responses

- `400` — Bad Request
- `401` — Unauthorized
- `404` — Not Found

## Changes

- **2025-11-19** `e44b6a6d5724` — 3 breaking, 1 info
  - removed `#/components/schemas/CreateMXSecureExchange, #/components/schemas/CreateFlinksSecureExchange, #/components/schemas/CreatePlaidSecureExchange` from the request body `oneOf` list
  - the request property `oneOf[subschema #1: CreateFinicitySecureExchange]/_links` became required
  - the request property `oneOf[subschema #1: CreateFinicitySecureExchange]/finicity` became required
  - added `#/components/schemas/CreateTokenBasedExchange` to the request body `oneOf` list
- **2025-07-01** `633b30cf427d` — 6 breaking, 3 warning
  - added `#/components/schemas/InvalidExchangeToken, #/components/schemas/InvalidExchange` to the response body `oneOf` list for the response status `400`
  - added `subschema #1, subschema #2` to the response body `oneOf` list for the response status `401`
  - the response's body type/format changed from `object`/`` to ``/`` for status `400`
  - the response's body type/format changed from `object`/`` to ``/`` for status `401`
  - …5 more
- …earlier changes not shown

[Full history](https://skmtc.dev/dwolla/apis/dwolla-api/changes/customers/:id/exchanges/post.md)

---

[API](https://skmtc.dev/dwolla/apis/dwolla-api.md) · [All operations](https://skmtc.dev/dwolla/apis/dwolla-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/dwolla/dwolla-api/revisions/0e13062ae3be/schema)