Disbursement: Overview

Introduction

The 8B Payments API enables seamless disbursements, allowing payment service providers and direct merchants to pay out funds to individual recipients, such as vendors or partners. With support for a wide range of payment methods and global currencies, 8B simplifies the payout process, making it ideal for businesses operating in diverse markets.

Terms you need to know

Entity	Description
Intent	A container that groups one or more payments representing a user's intention to pay
Disbursement	A transfer of funds initiated to send money to a designated recipient

High-Level Disbursement Process

Endpoint	Short Name
POST /api/v1/disbursements/check	Verifies recipient account and disbursement eligibility before initiating a payout. See Disbursement: Verify Payout Possibility for details.
POST /api/v1/intents	Creates a new disbursement to a recipient’s bank account or digital wallet. See Intent: Create New for details.
GET /api/v1/disbursements/ id	Retrieves the status and details of a specific disbursement. See Disbursement: Get Details for details.

Supported Payment Methods and Their Codes

List of supported payment methods is available on the link: Available Payment Method Codes

Disbursement Status Model

The following table summarizes the statuses a disbursement may go through:

Status	Description
ACCEPTED	You submitted a disbursement request. We verified and accepted it, and it has been queued for processing on our side.
DISBURSEMENT_REQUESTED	We forwarded your disbursement request to the designated payment method (e.g. bank or wallet). It is now being processed externally; final status pending.
PAID_OUT	Funds have been successfully transferred to the recipient’s account.
DECLINED	The payout was rejected due to invalid details or restrictions.
ERROR	The payout failed due to a technical issue; a retry may be required.