Create Bank Disbursement

Transfer funds from your wallet to a bank account.

Endpoint

POST /v1/disbursements

Request

Body

Field	Type	Required	Description
idempotency_key	string	Yes	Unique key to prevent duplicates (e.g., disb-20260601-001)
channel	string	Yes	Must be BANK
bank_short_code	string	Yes	Bank code (e.g., BCA, MANDIRI, BNI) — see Bank Codes
account_number	string	Yes	Destination account number
account_name	string	Yes	Account holder's name
amount_minor	integer	Yes	Transfer amount in minor units (not including fee)
notify_url	string	No	Webhook URL for disbursement status updates

Example

cURL

curl -X POST https://api.nusio-saka.com/v1/disbursements \
  -H "X-API-Key: your-api-key" \
  -H "Content-Type: application/json" \
  -d '{
    "idempotency_key": "disb-20260601-001",
    "channel": "BANK",
    "bank_short_code": "BCA",
    "account_number": "1234567890",
    "account_name": "Budi Santoso",
    "amount_minor": 50000000,
    "notify_url": "https://your-site.com/webhooks/disbursement"
  }'

PHP

$payload = [
    'idempotency_key' => 'disb-20260601-001',
    'channel'         => 'BANK',
    'bank_short_code' => 'BCA',
    'account_number'  => '1234567890',
    'account_name'    => 'Budi Santoso',
    'amount_minor'    => 50000000,
];

$ch = curl_init('https://api.nusio-saka.com/v1/disbursements');
curl_setopt_array($ch, [
    CURLOPT_POST           => true,
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_HTTPHEADER     => ['X-API-Key: '.$apiKey, 'Content-Type: application/json'],
    CURLOPT_POSTFIELDS     => json_encode($payload),
]);
$response = json_decode(curl_exec($ch), true);

Response

HTTP 201 Created

{
  "success": true,
  "data": {
    "id": "uuid",
    "ref_code": "DSB-260601110000-C3D4",
    "idempotency_key": "disb-20260601-001",
    "channel": "BANK",
    "bank_id": "uuid",
    "account_number": "1234567890",
    "account_name": "Budi Santoso",
    "ewallet_provider": null,
    "ewallet_phone": null,
    "request_amount_minor": 50000000,
    "fee_minor": 500000,
    "final_amount_minor": 50500000,
    "vendor_disbursement_id": null,
    "source": "API",
    "status": "PENDING",
    "requested_at": "2026-06-01T11:00:00Z",
    "created_at": "2026-06-01T11:00:00Z"
  }
}

Note: final_amount_minor = request_amount_minor + fee_minor. This full amount is debited from your wallet.

Error Codes

Code	HTTP	Description
NOT_WALLET_MERCHANT	403	Account is not WALLET settlement type
BANK_NOT_FOUND	400	bank_short_code is not recognized
BANK_DISABLED	422	Bank exists but is not available for disbursement
MISSING_BANK_INFO	400	account_number or account_name is missing
INSUFFICIENT_BALANCE	422	Wallet balance < amount_minor + fee
AMOUNT_EXCEEDS_LIMIT	422	Exceeds per-transaction limit
DAILY_LIMIT_EXCEEDED	422	Exceeds daily limit
DUPLICATE_IDEMPOTENCY_KEY	409	A disbursement with this key already exists

Bank Codes

Common bank short codes:

Code	Bank
BCA	Bank Central Asia
MANDIRI	Bank Mandiri
BNI	Bank Negara Indonesia
BRI	Bank Rakyat Indonesia
CIMB	CIMB Niaga
PERMATA	Bank Permata
BTN	Bank Tabungan Negara
DANAMON	Bank Danamon
PANIN	Bank Panin
MAYBANK	Maybank Indonesia

For a complete list, use GET /v1/banks from the dashboard API or contact your account manager.