Developers

Decaf Disbursements API

Send money to anyone with a phone number. Recipients claim funds directly on WhatsApp.

Overview

The Decaf Disbursements API lets companies and platforms fund a balance, create disbursements to phone/email recipients, and track payouts in real-time with API + webhooks.

Fund balance via ACH, SEPA, SPEI, card top-up, or USDC (Solana)
Push single or batch disbursements (up to 10,000 per batch)
Recipients claim in WhatsApp and choose payout method
Track lifecycle with webhooks and status endpoints

Environments

Environment	Base URL
Sandbox	https://sandbox.api.decaf.so/v1
Production	https://api.decaf.so/v1

Authentication

Authorization: Bearer <YOUR_API_KEY>
Content-Type: application/json

API keys are scoped by environment (sandbox keys do not work in production).

Account & Balance

GET /v1/account

{
  "id": "org_abc123",
  "name": "Acme Payroll Inc.",
  "balance": {
    "available": "10500.00",
    "pending": "250.00",
    "currency": "USD"
  },
  "createdAt": "2026-01-15T10:00:00Z"
}