Decaf Disbursements API

Disbursements

Send money by recipient phone or email. Recipients receive WhatsApp notifications and claim funds without app download.

Create a Disbursement

POST /v1/disbursements

{
  "recipientPhone": "+527775551234",
  "amountUsd": "250.00",
  "currency": "USD",
  "reference": "payroll-march-2026-emp-042",
  "note": "March salary payment",
  "idempotencyKey": "payroll-2026-03-emp-042-attempt-1"
}

Batch Disbursements

POST /v1/disbursements/batch

Max 10,000 recipients per batch request.

{
  "disbursements": [
    { "recipientPhone": "+527775551234", "amountUsd": "250.00", "reference": "emp-042", "idempotencyKey": "batch-mar-2026-emp-042" },
    { "recipientPhone": "+573001234567", "amountUsd": "180.00", "reference": "emp-091", "idempotencyKey": "batch-mar-2026-emp-091" },
    { "recipientEmail": "worker@example.com", "amountUsd": "320.00", "reference": "emp-103", "idempotencyKey": "batch-mar-2026-emp-103" }
  ],
  "batchReference": "payroll-march-2026",
  "note": "March salary payment"
}

Read, List, Cancel

• GET /v1/disbursements/:id
• GET /v1/disbursements?status=<status>&reference=<ref>&batchId=<id>&limit=25&after=<cursor>
• DELETE /v1/disbursements/:id (only while status is pending)

Status Reference

Recipients API

• POST /v1/recipients
• GET /v1/recipients/:id
• GET /v1/recipients/by-phone/:phone
• GET /v1/recipients/by-external-id/:externalId
• GET /v1/recipients?limit=25&after=<cursor>