BrickFast (Disbursement) FAQ

1. Disbursement Failure

Q: Why does my disbursement fail even though balance is sufficient?

Possible causes:
• Invalid recipient bank details
• Bank temporarily unavailable
• Sender detail not configured
• Account validation not performed

Best practice:
• Always call Account Validation API before disbursement

References:
• Disbursement via API
https://docs.onebrick.io/docs/payment-out-via-api
• Account Validation API
https://docs.onebrick.io/reference/account-validation-api
• Sender Detail
https://docs.onebrick.io/docs/sender-detail

2. Disbursement Method

Q: What’s the difference between Regular and BIFAST disbursement?

• BIFAST: real-time, lower cost, limited bank coverage
• Regular: wider bank coverage, near real-time

If the destination bank does not support BIFAST, the transaction will fail.

References:
• BIFAST Disbursement API
https://docs.onebrick.io/reference/disbursement-bifast
• Regular Disbursement API
https://docs.onebrick.io/reference/disbursement-api

3. Disbursement Status

Q: Why is my disbursement stuck in PENDING?

Possible causes:
• Bank processing delay
• Awaiting partner callback

Recommended actions:
• Check Disbursement Status API
• Treat callback as final confirmation

References:
• Checking Disbursement Status
https://docs.onebrick.io/docs/get-payment-out-transaction-status
• Disbursement Callback
https://docs.onebrick.io/reference/disbursement-async

4. Retry Rules

Q: Can I retry a failed disbursement?

Yes, but:
• Use a new reference ID
• Ensure the failure cause has been resolved

Reference:
• API Response Structure
https://docs.onebrick.io/reference/api-response-structure

5. Ledger & Reconciliation (BrickFast)

Q: Why does my dashboard balance differ from Ledger API?
• Dashboard shows available balance
• Ledger API shows transaction movements

Pending or reversed transactions may cause differences.

Reference:
• Transactions History and Ledger API
https://docs.onebrick.io/docs/ledger-api-and-transactions-history

Q: How should finance teams reconcile disbursement transactions?

Use:
• Ledger API
• Dashboard transaction history
• Transfer Proof API

References:
• Ledger API
https://docs.onebrick.io/reference/ledger-api
• Download Transfer Proof
https://docs.onebrick.io/reference/download-transfer-proof-api