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

# Overview

> Send money to Mobile Money wallets, bank accounts, and Selcom Pesa wallets through a single API.

# Disbursements

SplashPay Disbursements enables businesses to send money securely and reliably to customers, suppliers, employees, and partners.

Using a single API integration, you can initiate payouts to:

* Mobile Money wallets
* Bank accounts
* Selcom Pesa wallets

Every disbursement is tracked using a unique reference and supports real-time status updates through webhooks.

***

## Features

* Single API for all payout channels
* Mobile Money and bank disbursements
* Selcom Pesa wallet transfers
* Account and wallet name lookup
* Idempotent requests
* Wallet balance validation
* Real-time webhook notifications
* Transaction status tracking
* Secure API authentication

***

## Base URL

```text theme={null}
https://api.splashpay.co.tz/api/v1
```

***

## Authentication

Every request must include your API credentials.

| Header          | Required | Description                |
| --------------- | :------: | -------------------------- |
| X-API-KEY       |     ✅    | Merchant API Key           |
| X-API-SECRET    |     ✅    | Merchant API Secret        |
| Idempotency-Key |     ✅    | Prevent duplicate requests |
| Content-Type    |     ✅    | application/json           |

Example

```http theme={null}
X-API-KEY: pk_live_xxxxxxxxxxxxx
X-API-SECRET: sk_live_xxxxxxxxxxxxx
Idempotency-Key: 550e8400-e29b-41d4-a716-446655440000
Content-Type: application/json
```

***

## Supported Disbursement Channels

| Channel      | Description                            |
| ------------ | -------------------------------------- |
| Mobile Money | Send funds to supported mobile wallets |
| Bank         | Transfer funds to bank accounts        |
| Selcom Pesa  | Transfer funds to Selcom Pesa wallets  |

***

## Typical Workflow

<Steps>
  <Step title="Verify the recipient">
    Optionally verify the recipient using the Name Lookup API before initiating the disbursement.
  </Step>

  <Step title="Initiate the disbursement">
    Submit a payout request using the appropriate endpoint for the destination channel.
  </Step>

  <Step title="Receive the response">
    SplashPay validates your request and submits it to the payment provider.
  </Step>

  <Step title="Track the transaction">
    Monitor the payout using the Status API or receive automatic webhook notifications.
  </Step>
</Steps>

***

## Transaction Status

| Status     | Description                              |
| ---------- | ---------------------------------------- |
| pending    | Request received and awaiting processing |
| processing | Submitted to the payment provider        |
| paid       | Funds successfully delivered             |
| failed     | Provider rejected or failed the transfer |
| cancelled  | Transaction cancelled                    |

***

## Idempotency

All disbursement requests must include an **Idempotency-Key**.

Using the same key ensures that retrying a request due to network issues does not create duplicate payouts.

Example

```http theme={null}
Idempotency-Key: 550e8400-e29b-41d4-a716-446655440000
```

***

## Security

SplashPay protects your payouts using:

* API Key authentication
* API Secret authentication
* HTTPS encryption
* Idempotent requests
* Request validation
* Transaction auditing
* Webhook signature verification