Process Disbursement

$	curl -X POST https://disbursement-api-stg.epaygames.io/v1/api/disbursement/process \
>	-H "Authorization: Bearer <token>" \
>	-H "Content-Type: application/json" \
>	-d '{
>	"channel": "maya",
>	"amount": 1,
>	"reference_no": "PAYOUT2025X8KQ1",
>	"callback_webhook_url": "https://webhook.site/be6460ac-b4ab-4856-a721-1663d43b585e",
>	"fields": {
>	"mobile_number": "+639193890579",
>	"bank_code": "161414",
>	"sender": {
>	"first_name": "John",
>	"middle_name": "Sins",
>	"last_name": "Doe",
>	"suffix": "Jr."
>	},
>	"receiver": {
>	"account_name": "John Sins Doe",
>	"account_number": "09123456789",
>	"type": "INDIVIDUAL",
>	"mobile_number": "+639000000000",
>	"email": "[email protected]",
>	"address": "Lakambini Street.",
>	"barangay": "San Mateo",
>	"city": "Cabanatuan",
>	"zip_code": "6969",
>	"gender": "MALE"
>	}
>	}
>	}'

{
  "message": "Transaction has been sent for processing.",
  "data": {
    "reference_no": "TESTINGREFNO01",
    "subtotal_amount": 1,
    "service_fee": 0,
    "total_amount": 1,
    "status": "pending",
    "channel": {
      "name": "PESONet",
      "slug": "pesonet",
      "code": "PESONET"
    }
  }
}

The Process Disbursement endpoint submits a new payout request to a recipient via the specified disbursement channel. This is the primary endpoint for initiating cash-out and withdrawal transactions.

After submission, the transaction is created with a pending status. Monitor the final status via Get Transactions or listen for webhook callbacks on your callback_webhook_url.

Ensure the recipient details, channel, and amount are validated before calling this endpoint.

### Process Disbursement The **Process Disbursement** endpoint submits a new payout request to a recipient via the specified disbursement channel. This is the primary endpoint for initiating cash-out and withdrawal transactions. After submission, the transaction is created with a `pending` status. Monitor the final status via **Get Transactions** or listen for webhook callbacks on your `callback_webhook_url`. > Ensure the recipient details, channel, and amount are validated before calling this endpoint.

Authentication

AuthorizationBearer

Bearer token obtained from the Create Access Token endpoint. Tokens are valid for ~60 minutes — cache and reuse a token for its full lifetime instead of re-authenticating per request.

Request

This endpoint expects an object.

channelstringRequired

The disbursement channel to use. Values are available via the Get Channels endpoint.

amountdoubleRequired>=0.01

Amount to pay out. Minimum 0.01; the maximum depends on the channel.

reference_nostringRequired

Your unique reference for this payout. Each reference_no can be used only once, making it a natural idempotency key — reuse the same value when retrying the same intent. See the Idempotency & Safe Retries guide.

callback_webhook_urlstringRequiredformat: "uri"

URL that receives a server-side webhook once the final payout status is known. See the Webhooks & Redirects guide.

fieldsobjectRequired

Recipient/sender details. The required shape depends on the channel — e.g., an e-wallet channel like maya uses mobile_number, while a bank-transfer channel like PESONET uses bank_code plus sender/receiver details.

Response

messagestring

dataobject

Errors

401

Unauthorized Error

422

Unprocessable Entity Error