Core API (Host-to-Host)

Overview

Core API (Host-to-Host) lets you trigger disbursements directly from your system via API.

Use it to send money to users, partners, or suppliers without using a manual portal.

What you need before you start

• A Finpay Disbursement account and active credentials.

• A configured destination list for your use case. See Supported Disbursement Destination.

• Sufficient balance in your disbursement account (top-up model).

Getting started

1

Set up your account

Sign up and complete the required activation steps so you can start disbursing.

2

Test in your environment

Use the API to test disbursement flows end-to-end. Validate status updates and reconciliation in your system.

3

Top up your disbursement balance

Disbursement uses a top-up balance model.

You maintain funds in your Finpay balance. Finpay holds the funds securely until you instruct a payout.

Top up via bank transfer based on your agreed settlement instructions.

4

Start disbursing

Once your balance is available, create transfers via API. Track results using transfer statuses.

If you need a no-code option, use the No Integration flow under Disbursement Integration Method.