> ## Documentation Index
> Fetch the complete documentation index at: https://docs.launcx.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Create disbursement (B2B)

> Atomically creates and submits a disbursement. Requires the `Idempotency-Key` HTTP header — replays return the original response without re-submitting. When the response is a replay, the `Idempotent-Replayed: true` response header is set; absence of the header means a fresh create. Requires a valid `x-signature` request signature — see Authentication. Status updates after this call (SUCCESS/FAILED) arrive via the configured payout webhook.



## OpenAPI

````yaml /api-reference/openapi.json post /api/v3/disbursements
openapi: 3.0.0
info:
  description: >-
    LauncX V3 API for integrators — create payments, run disbursements, and
    resolve bank payout destinations.
  title: LauncX API
  contact:
    name: LauncX Support
    email: support@launcx.com
  license:
    name: Proprietary
  version: '1.0'
servers:
  - url: https://live.launcx.com
    description: Production
  - url: https://v3.launcx.com
    description: Staging
security: []
paths:
  /api/v3/disbursements:
    post:
      tags:
        - B2B - Disbursements
      summary: Create disbursement (B2B)
      description: >-
        Atomically creates and submits a disbursement. Requires the
        `Idempotency-Key` HTTP header — replays return the original response
        without re-submitting. When the response is a replay, the
        `Idempotent-Replayed: true` response header is set; absence of the
        header means a fresh create. Requires a valid `x-signature` request
        signature — see Authentication. Status updates after this call
        (SUCCESS/FAILED) arrive via the configured payout webhook.
      parameters:
        - name: x-api-key
          in: header
          description: Client API Key
          required: true
          schema:
            type: string
        - name: x-signature
          in: header
          description: >-
            HMAC-SHA256 request signature, REQUIRED on this endpoint. Format:
            t=<ms>,v1=<hex> where v1 = lowercase hex of HMAC-SHA256("<t>.<raw
            body>", signing secret). When present, x-timestamp is ignored (the t
            inside the signature is window-checked instead). Test your
            implementation with POST /api/v3/debug/signature-check.
          required: true
          schema:
            type: string
        - name: x-timestamp
          in: header
          description: Unix timestamp in milliseconds. Ignored when x-signature is present.
          required: false
          schema:
            type: string
        - name: Idempotency-Key
          in: header
          description: Unique key per client for safe retries (max 64 chars)
          required: true
          schema:
            type: string
      requestBody:
        description: Disbursement create request
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/CreateDisbursementRequest'
      responses:
        '200':
          description: Idempotent replay of an earlier successful create
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CreateDisbursementResponse'
        '201':
          description: Disbursement created and submitted
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/CreateDisbursementResponse'
        '400':
          description: Invalid request or missing Idempotency-Key header
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '401':
          description: Invalid or missing API key, or missing/invalid request signature
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '402':
          description: Insufficient balance
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '403':
          description: Client withdrawal is suspended
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '404':
          description: >-
            Client, client wallet, or client configuration not found (also
            returned when the wallet belongs to another client, to avoid leaking
            ownership)
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '422':
          description: Bank code unsupported, account inactive, or amount below minimum
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '500':
          description: Internal server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
        '503':
          description: Payout gateway temporarily unavailable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
components:
  schemas:
    CreateDisbursementRequest:
      type: object
      properties:
        account_no:
          type: string
        amount:
          type: string
        bank_code:
          type: string
        client_wallet_id:
          type: string
        memo:
          type: string
        transfer_type:
          description: 'Optional: "BIFAST" or "RTOL", defaults to "BIFAST"'
          type: string
    CreateDisbursementResponse:
      type: object
      properties:
        account_holder_name:
          type: string
        account_no:
          type: string
        amount:
          type: number
        bank_code:
          type: string
        bank_name:
          type: string
        client_id:
          type: string
        currency:
          type: string
        failed_reason:
          type: string
        id:
          type: string
        idempotency_key:
          type: string
        memo:
          type: string
        net_amount:
          type: number
        platform_fee:
          type: number
        status:
          type: string
        wallet_id:
          type: string
    ErrorResponse:
      type: object
      properties:
        error:
          type: string
          example: invalid email or password

````