diff --git a/cypress-tests/cypress/e2e/configs/Payment/Dwolla.js b/cypress-tests/cypress/e2e/configs/Payment/Dwolla.js
new file mode 100644
index 0000000000..af1bf2a10f
--- /dev/null
+++ b/cypress-tests/cypress/e2e/configs/Payment/Dwolla.js
@@ -0,0 +1,126 @@
+const ach_bank_debit_data = {
+  account_number: "123456789",
+  routing_number: "110000000",
+  bank_account_holder_name: "Test User",
+  bank_type: "checking",
+  bank_holder_type: "personal",
+  billing: {
+    address: {
+      first_name: "Test",
+      last_name: "User",
+      line1: "123 Test St",
+      city: "San Francisco",
+      state: "CA",
+      zip: "94122",
+      country: "US",
+    },
+    email: "test@example.com",
+  },
+};
+
+const billing_data = {
+  address: {
+    first_name: "Test",
+    last_name: "User",
+    line1: "123 Test St",
+    city: "San Francisco",
+    state: "CA",
+    zip: "94122",
+    country: "US",
+  },
+  email: "test@example.com",
+};
+
+const ir04_error = {
+  type: "invalid_request",
+  message: "Missing required param: connector_customer_id",
+  code: "IR_04",
+};
+
+export const connectorDetails = {
+  bank_debit_pm: {
+    PaymentIntent: (paymentMethodType) => {
+      if (paymentMethodType !== "Ach") {
+        return {
+          Configs: {
+            TRIGGER_SKIP: true,
+          },
+        };
+      }
+      return {
+        Request: {
+          currency: "USD",
+          setup_future_usage: "off_session",
+        },
+        Response: {
+          status: 200,
+          body: {
+            status: "requires_payment_method",
+          },
+        },
+      };
+    },
+    Ach: {
+      Request: {
+        payment_method: "bank_debit",
+        payment_method_type: "ach",
+        payment_method_data: {
+          bank_debit: {
+            ach_bank_debit: ach_bank_debit_data,
+          },
+        },
+        billing: billing_data,
+      },
+      Response: {
+        status: 400,
+        body: {
+          error: ir04_error,
+        },
+      },
+    },
+    AchDirectConfirm: {
+      Request: {
+        currency: "USD",
+        payment_method: "bank_debit",
+        payment_method_type: "ach",
+        payment_method_data: {
+          bank_debit: {
+            ach_bank_debit: ach_bank_debit_data,
+          },
+        },
+        billing: billing_data,
+      },
+      Response: {
+        status: 400,
+        body: {
+          error: ir04_error,
+        },
+      },
+    },
+    AchWithConnectorCustomerId: {
+      Request: {
+        currency: "USD",
+        payment_method: "bank_debit",
+        payment_method_type: "ach",
+        payment_method_data: {
+          bank_debit: {
+            ach_bank_debit: ach_bank_debit_data,
+          },
+        },
+        billing: billing_data,
+        connector_customer_id: "f338b9dc-af90-4022-9157-0ab5459ee20a",
+      },
+      Response: {
+        status: 400,
+        body: {
+          error: {
+            error_type: "invalid_request",
+            message:
+              "Json deserialize error: unknown field `connector_customer_id`",
+            code: "IR_06",
+          },
+        },
+      },
+    },
+  },
+};
diff --git a/cypress-tests/cypress/e2e/configs/Payment/Utils.js b/cypress-tests/cypress/e2e/configs/Payment/Utils.js
index 6b2cfdc956..68e2e400ec 100644
--- a/cypress-tests/cypress/e2e/configs/Payment/Utils.js
+++ b/cypress-tests/cypress/e2e/configs/Payment/Utils.js
@@ -83,6 +83,7 @@ import { connectorDetails as worldpayxmlConnectorDetails } from "./Worldpayxml.j
 import { connectorDetails as xenditConnectorDetails } from "./Xendit.js";
 import { connectorDetails as ziftConnectorDetails } from "./Zift.js";
 import { connectorDetails as mifinityConnectorDetails } from "./Mifinity.js";
+import { connectorDetails as dwollaConnectorDetails } from "./Dwolla.js";
 const connectorDetails = {
   aci: aciConnectorDetails,
   adyen: adyenConnectorDetails,
@@ -165,6 +166,7 @@ const connectorDetails = {
   zift: ziftConnectorDetails,
   loonio: loonioConnectorDetails,
   mifinity: mifinityConnectorDetails,
+  dwolla: dwollaConnectorDetails,
 };
 
 /**
@@ -604,6 +606,7 @@ export const CONNECTOR_LISTS = {
       "stripe",
       "wellsfargo",
     ], // payload verified as working
+    BANK_DEBIT_ERROR_PATH: ["dwolla"],
     BANK_REDIRECT_BANCONTACT: ["adyen", "stripe"],
     BANK_REDIRECT_MANDATE: ["adyen"],
     BLUECODE_WALLET: ["calida"],
diff --git a/cypress-tests/cypress/e2e/spec/Payment/55-DwollaAchErrorPath.cy.js b/cypress-tests/cypress/e2e/spec/Payment/55-DwollaAchErrorPath.cy.js
new file mode 100644
index 0000000000..815ad6f16f
--- /dev/null
+++ b/cypress-tests/cypress/e2e/spec/Payment/55-DwollaAchErrorPath.cy.js
@@ -0,0 +1,138 @@
+import * as fixtures from "../../../fixtures/imports";
+import State from "../../../utils/State";
+import getConnectorDetails, {
+  CONNECTOR_LISTS,
+  shouldIncludeConnector,
+} from "../../configs/Payment/Utils";
+import * as utils from "../../configs/Payment/Utils";
+
+let globalState;
+
+describe("ACH Bank Debit Error Path tests", () => {
+  before("seed global state", function () {
+    let skip = false;
+
+    cy.task("getGlobalState")
+      .then((state) => {
+        globalState = new State(state);
+
+        if (
+          shouldIncludeConnector(
+            globalState.get("connectorId"),
+            CONNECTOR_LISTS.INCLUDE.BANK_DEBIT_ERROR_PATH
+          )
+        ) {
+          skip = true;
+        }
+      })
+      .then(() => {
+        if (skip) {
+          this.skip();
+        }
+      });
+  });
+
+  afterEach("flush global state", () => {
+    cy.task("setGlobalState", globalState.data);
+  });
+
+  context("ACH Bank Debit Create + Confirm Error Path", () => {
+    it("Create Payment Intent -> List Payment Methods -> Confirm ACH Bank Debit (expect IR_04) -> Retrieve (skipped)", () => {
+      let shouldContinue = true;
+
+      cy.step("Create Payment Intent for ACH", () => {
+        const data = getConnectorDetails(globalState.get("connectorId"))[
+          "bank_debit_pm"
+        ]["PaymentIntent"]("Ach");
+        cy.createPaymentIntentTest(
+          fixtures.createPaymentBody,
+          data,
+          "no_three_ds",
+          "automatic",
+          globalState
+        );
+        if (!utils.should_continue_further(data)) {
+          shouldContinue = false;
+        }
+      });
+
+      cy.step("List Merchant Payment Methods", () => {
+        if (!shouldContinue) {
+          cy.task("cli_log", "Skipping step: List Merchant Payment Methods");
+          return;
+        }
+        cy.paymentMethodsCallTest(globalState);
+      });
+
+      cy.step("Confirm ACH Bank Debit", () => {
+        if (!shouldContinue) {
+          cy.task("cli_log", "Skipping step: Confirm ACH Bank Debit");
+          return;
+        }
+        const confirmData = getConnectorDetails(globalState.get("connectorId"))[
+          "bank_debit_pm"
+        ]["Ach"];
+        cy.confirmCallTest(
+          fixtures.confirmBody,
+          confirmData,
+          true,
+          globalState
+        );
+        if (!utils.should_continue_further(confirmData)) {
+          shouldContinue = false;
+        }
+      });
+
+      cy.step("Retrieve Payment", () => {
+        if (!shouldContinue) {
+          cy.task("cli_log", "Skipping step: Retrieve Payment");
+          return;
+        }
+        const confirmData = getConnectorDetails(globalState.get("connectorId"))[
+          "bank_debit_pm"
+        ]["Ach"];
+        cy.retrievePaymentCallTest({ globalState, data: confirmData });
+      });
+    });
+  });
+
+  context("ACH Bank Debit Direct Create+Confirm Error Path", () => {
+    it("Create+Confirm Payment with ACH Bank Debit directly (expect IR_04)", () => {
+      cy.step("Create+Confirm ACH Bank Debit Payment", () => {
+        const data = getConnectorDetails(globalState.get("connectorId"))[
+          "bank_debit_pm"
+        ]["AchDirectConfirm"];
+        cy.createConfirmPaymentTest(
+          fixtures.createConfirmPaymentBody,
+          data,
+          "no_three_ds",
+          "automatic",
+          globalState
+        );
+      });
+    });
+  });
+
+  context(
+    "ACH Bank Debit with connector_customer_id in body (negative case)",
+    () => {
+      it("Create+Confirm Payment with connector_customer_id (expect IR_06 unknown field)", () => {
+        cy.step(
+          "Create+Confirm ACH Bank Debit with connector_customer_id",
+          () => {
+            const data = getConnectorDetails(globalState.get("connectorId"))[
+              "bank_debit_pm"
+            ]["AchWithConnectorCustomerId"];
+            cy.createConfirmPaymentTest(
+              fixtures.createConfirmPaymentBody,
+              data,
+              "no_three_ds",
+              "automatic",
+              globalState
+            );
+          }
+        );
+      });
+    }
+  );
+});