Disbursement Overview
Disbursements allow you to transfer funds from your merchant wallet to bank accounts or e-wallets.
Prerequisites: WALLET Settlement Type
Disbursement endpoints are only available to merchants with settlement_type = WALLET. If your account uses MANUAL settlement (platform sends periodic bank transfers), these endpoints will return a NOT_WALLET_MERCHANT error.
Contact your account manager or platform administrator to switch to WALLET settlement.
How Wallet Balance Works
When a customer pays an order, the payment is held until the settlement cycle. On settlement, the platform:
- Credits your wallet with
order.amount - MDR fee - Your wallet balance increases
- You can then disburse from that balance at any time
Your current balance is always the ledger of all credited settlements minus all completed disbursements.
Disbursement Fees
A flat fee is deducted per disbursement:
- Bank transfer fee: Configured per merchant (shown during disbursement creation)
- E-wallet fee: Separately configured per merchant
The disbursementAmount (actual transfer amount) = requestAmount + fee. Ensure your wallet balance covers the total before creating a disbursement.
Per-Transaction and Daily Limits
Your account has configurable limits:
| Limit | Description |
|---|---|
| Per-transaction limit | Maximum single disbursement amount |
| Daily limit | Maximum total disbursement amount per calendar day (WIB) |
These are set by your platform administrator. Contact support to request an increase.
Disbursement Statuses
| Status | Description |
|---|---|
PENDING | Submitted, awaiting review |
IN_REVIEW | Under manual review |
PROCESSING | Being sent to bank/e-wallet |
SUCCESS | Funds delivered |
FAILED | Transfer failed — check failure_reason |
CANCELLED | Cancelled by platform |