Disbursements

The Disbursements API allows you to send money to mobile money accounts and bank accounts.

Overview

A Payout represents a transfer of funds from your Snippe account to a recipient's mobile money or bank account. Payouts can be made to saved credentials or directly to any recipient.

Payout Flow

1. Create Payout
   POST /v1/payouts (saved credential)
   POST /v1/payouts/send (any recipient)

2. Funds Reserved
   Amount + fees deducted from your balance

3. Processing
   Sent to payment provider

4. Completion
   Webhook notification: payout.completed or payout.failed

5. Verify Status (optional)
   GET /v1/payouts/{reference}

Payout Channels

Mobile Money

Send to Airtel Money, M-Pesa, Tigo Pesa, and HaloPesa

Bank Transfer

Send to 35+ Tanzanian banks including CRDB, NMB, NBC, and more

API Endpoints

Endpoint	Method	Scope	Description
`/v1/payouts`	POST	`disbursement:create`	Create payout to saved credential
`/v1/payouts/send`	POST	`disbursement:create`	Create payout to any recipient
`/v1/payouts`	GET	`disbursement:read`	List payouts
`/v1/payouts/{reference}`	GET	`disbursement:read`	Get payout details
`/v1/payouts/fee`	GET	`disbursement:read`	Calculate fee for amount

Payout Status

Status	Description
`pending`	Payout created, awaiting processing
`processing`	Sent to payment provider
`completed`	Payout successful, recipient received funds
`failed`	Payout failed (see `failure_reason`)
`reversed`	Payout was reversed after completion
`insufficient_balance`	Provider float insufficient

Idempotency

Use the Idempotency-Key header to safely retry requests without creating duplicate payouts.

POST /v1/payouts
Idempotency-Key: payout-emp-001-jan-2026

Keys are valid for 24 hours
Same key + same request body = returns cached response
Same key + different body = returns error