Disbursements

A disbursement sends money from your NeraSika merchant balance to a customer’s mobile money wallet. Use it for payouts, refunds paid as new transfers, or withdrawals.

POST/api/v1/transactions/payments/b2cdisbursement

How it works

1. You send the request. NeraSika checks that your balance can cover the amount.
2. The amount is held from your balance, and NeraSika replies 202 Accepted with status pending.
3. The network sends the money to the customer.
4. NeraSika sends the result to your merchantCallbackURL.
5. If the payout succeeded, the held amount is taken from your balance. If it failed, the hold is released back to you.

Request

{
  "phone": "0201234567",
  "amount": "25.00",
  "desc": "Refund for order 1042",
  "network": "Telecel",
  "merchantRef": "payout-1042",
  "merchantCallbackURL": "https://example.com/callback"
}

Field	Required	Description
phone	Yes	The customer’s mobile money number. 0201234567 and 233201234567 both work.
amount	Yes	Amount in GHS. A positive number with at most 2 decimal places.
desc	Yes	A description of the payout.
network	Yes	MTN, Telecel or AirtelTigo.
merchantRef	Yes	Your own reference. It comes back in the response and callback.
merchantCallbackURL	Yes	The URL that receives the result.

Response

202 Accepted

{
  "success": true,
  "message": "Transaction processing",
  "data": {
    "transactionId": "6718a2c4e5f0a1b2c3d4e5f8",
    "merchantRef": "payout-1042",
    "amount": 25,
    "status": "pending"
  }
}

Result

The result arrives at merchantCallbackURL with transactionType set to disbursement-b2c. See Callbacks.

Errors

Status	Message	Cause
400	Not enough merchant funds	Your balance can’t cover the amount.
400	Transaction amount of ... is above the ... limit for merchant	The amount is over your disbursement limit.
403	Transaction type not allowed for merchant	Disbursements aren’t enabled for your account.
403	Telecel transactions not allowed for merchant	The network isn’t enabled for your account.

Disbursements can’t be reversed. To get money back from a customer, request a new collection.