For supported requests in a Dwolla integration, retrying an uncertain operation requires the same idempotency key and identical request body. Dwolla's idempotency documentation states that keys expire after 24 hours; a retry while the original request is processing can return a conflict.
Store your application's operation record before sending the request, including its stable business identity. Do not generate a fresh key simply because the connection timed out.
Reconcile the existing operation before retrying outside the documented window. API-level idempotency does not replace your own durable protection against duplicate business actions.