Disburse Overview
Last updated Sep 19th, 2025
Mono Disburse gives businesses a faster, safer way to handle payouts in Nigeria. With Mono, you never have to park money with us—funds stay secure in your own bank account while we power the infrastructure. Send bulk or single transfers instantly or on schedule, without the risk of floats. Whether it's salaries, loans, vendor payments, or cashback, Mono Disburse makes payouts simple, secure, and reliable.
All disbursement transactions are handled in batches, and each batch contains one or more individual distributions. Depending on the disbursement type, transfers can be executed immediately (instant) or scheduled for a later time (scheduled).
Getting Started
To integrate Disburse into your application, you must have a registered business account with Mono. Please contact your account manager to enable Disburse for your business. Alternatively, you can reach our sales team at sales@mono.co for assistance.
Mono Disburse FAQs
General information and questions about integrating Mono Disburse. Read Articles
Why Use Disburse?
Achieve efficiency by automating hundreds or thousands of transfers with a single API call, eliminating repetitive, time-consuming manual processing.
Ensure accuracy and eliminate human errors from manual entry. Pre-validated data guarantees payments are processed correctly and consistently.
Guarantee scalability by easily handling growing payment volumes without adding extra overhead. The API scales seamlessly with your business needs.
Experience reliability as payments go through on time, every time, with built-in error handling and status tracking.
Benefit from security that protects sensitive financial data with encryption and authentication protocols designed for safe, compliant transfers.
Potential Use Cases
Disburse is designed for businesses and platforms that need to send money at scale, on time, and without errors. It supports both recurring and one-time payouts, making it suitable across industries.
1. Salary Payments
You can automate monthly or weekly salary payments to employees and contractors. Instead of initiating transfers one by one, HR or finance teams can schedule bulk disbursements and ensure everyone is paid on time no matter their bank.
Example: A logistics company with 500 drivers can process all payments in a single API request, with real-time confirmation that each driver’s account has been credited.
2. Loan Disbursements
Once a loan is approved, you can easily credit a borrower’s bank account instantly, improving customer satisfaction and trust using Disburse. It also supports bulk loan releases for micro-lenders or cooperative societies managing multiple disbursements at once.
Example: A digital lender can approve 1,000 loan requests and automatically disburse the funds in minutes, ensuring customers get access to cash when they need it most.
3. Vendor Settlements
Marketplaces, gig platforms, and businesses that rely on external partners often need to make regular settlements. Disburse enables you to automate payouts to suppliers, service providers, or gig workers ensuring faster settlement cycles.
Example: An e-commerce marketplace can pay hundreds of sellers their earnings at the end of the week without manual intervention, reducing delays and reconciliation errors.
4. Cashback Distribution
Whether it’s customer loyalty programs, promotional campaigns, or refunds, distributing small-value payments, Disburse allows you handle high-volume, low-value transfers efficiently, so businesses can reward or refund customers instantly.
Example: A fintech app running a cashback campaign can disburse rewards to tens of thousands of customers in real time, boosting engagement and retention.
Pricing
Pricing per Successful Disbursement
| Threshold | Fee |
| Transfers of ₦50,000 and below | ₦35 |
| Transfers above ₦50,000 | ₦50 |
Frequently Asked Questions
What is Mono Disburse?
Mono Disburse is a product that allows businesses to send money to multiple recipients through instant or scheduled transfers directly from their account via a mandate.
How do I get started with Mono Disburse?
You must first be approved for Disburse and then create a Disburse App from the Apps section of the dashboard.
Can I schedule disbursements for a later time?
Yes, depending on the disbursement type, transfers can be executed immediately or scheduled for later.
How will I know the status of my disbursements?
Batch and individual transaction statuses are tracked in real-time. Webhooks are sent for batch and distribution-level events, and statuses can also be retrieved via API.
What is the cost for using Mono Disburse?
Pricing is per successful disbursement and varies based on the amount. Refer to the pricing section for details.