You can setup two-factor authentication for Dwolla by using Passly Authtenticator two-step verification. Download the Passly Authenticator mobile app, install it and grant the application access to the camera so it can scan barcodes / QRCodes to add new applications such as Dwolla, to the application.
Upon first activation of the Passly Authenticator, it will ask for authorization to access the camera. This is so it can use the camera to scan barcodes and Qrcodes from other applications that you wish to pair it with.

The steps for pairing Passly Authenticator with Dwolla are shown below

1. Login to your Dwolla account settings and select security from the left hand menu.
   
2. You’ll notice the option to enable 2FA on your account security page. 
   Choose to enable and re-enter your password.
   
3. Open the Passly Authenticator and scan the QR Code shown to pair the account with the application.
     
4. The next time you access Dwolla you will be prompted to enter the security code on the screen, tap the new Dwolla token to reveal the onetime passcode to be used. Once the timer runs out on the screen, a new onetime passcode will appear. This will continue to generate new codes until the Drupal token is closed and the Passly Authenticator App is back at the home screen.