Introduction to the Disbursement Solution

Disbursement (Direct Link) is an automated payment solution that lets businesses create and manage money transfers directly to recipients' accounts/cards from the partner's system through TINGEE.

Before you start

• Base URL: https://uat-open-api.tingee.vn (UAT) · https://open-api.tingee.vn (PROD)
• Authentication: Every request must include the x-client-id and x-request-timestamp headers and the x-signature signature (HMAC SHA512). See How to get the API Key & generate the signature.
• Result: The API always returns HTTP 200; check the code field (00 = success). See Error codes.

TINGEE's disbursement API is designed to be streamlined, so partners can easily integrate a wide range of operations depending on what each bank supports.

PUBLIC SANDBOX — DISBURSEMENT

Try creating payment orders, approving them and querying the status of automatic disbursement transactions with simulated data.

Try in Sandbox (Vietnamese)

⚡ Fast 24/7 transfers

Instant transfers to more than 50 banks in the NAPAS network at any time, including public holidays.

🛡️ Secure

Supports two-level approval (Maker - Checker) and transaction encryption with bank-grade digital signatures.

🤖 Automation & batch transactions

Process thousands of transactions automatically in a single request, eliminating manual work and reducing errors.

📊 Real-time inquiry & statements

Track balance changes, look up transaction logs and payment history in real time.

🎯 Centralized cash flow management

Track, control and reconcile payout transactions consistently on a single platform.

🔌 "One-touch" integration

Connect once with TINGEE to use the disbursement services of multiple banks, with no re-integration effort.

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🚀 Which flow do you need to integrate?

Choose the flow that matches the partner bank you are connecting to:

⚡ Automatic disbursement flow

Applies to VietinBank, BaoKim.

Orders are processed straight through immediately, with no SmartOTP authentication or multi-level approval.

View the flow diagram →

🛡️ Maker / Checker approval flow

Applies to BIDV.

Orders are saved as drafts or submitted for approval, then must be approved via the SmartOTP app.

View the flow diagram →

Operation types by bank

Each bank has different requirements for classifying disbursement operations:

• BIDV: Requires a clear split into 3 separate operation types: Domestic transfer, Salary payment and Payment list (bill payment).
• VietinBank, BaoKim: No classification required; all transactions are processed in a single flow.

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🛤️ Basic integration path (Quick Start)

Instead of learning dozens of APIs, you only need to master these 3 core steps to complete a payout cycle:

Step 1: Create a payment order

The partner system calls the API to order a transfer (either a single transfer or a batch with multiple recipients). 👉 See API: Create a Maker/Checker order or Create an automatic disbursement order

Step 2: Authenticate & complete

For flows that require higher security (such as Maker/Checker), use the bank app to scan the QR code to get a SmartOTP, then call the Confirm API to complete the order. 👉 See the Confirm order API

Step 3: Check the status (inquiry)

If a transaction does not have a result right away and returns a pending status (PENDING), the partner should proactively call the inquiry API periodically to get the final result (Success / Failed). 👉 See the Transaction log inquiry API

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🔍 Utilities & advanced operations

Besides the core flow above, Tingee provides a range of advanced banking utilities to help you manage your cash flow end to end:

• Get the list of supported banks / branches.
• Look up the beneficiary account holder before transferring.
• Check the available balance of the business account in real time.
• View statements, query transaction history and download Excel reports.

👉 Explore the full list of APIs under the "API Reference" menu in the left navigation.

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API catalog

Function	Method	Endpoint
Get the authorization URL	GET	/v1/direct-link/get-authorization-url
Create a disbursement order	POST	/v1/direct-link/create-transfer
Create a disbursement order	POST	/v1/direct-link/create-transfer
Submit a saved disbursement order for approval	POST	/v1/direct-link/process-transaction
Confirm submission of a disbursement order	PUT	/v1/direct-link/confirm-transfer
Initiate approval of a disbursement order	POST	/v1/direct-link/approve-transfer
Confirm approval of a disbursement order	PUT	/v1/direct-link/approve-confirm
Reject a disbursement order	DELETE	/v1/direct-link/reject-transaction
Delete a disbursement order	DELETE	/v1/direct-link/delete-transfer
Transaction inquiry	POST	/v1/direct-link/transaction-inquiry
Transaction inquiry	POST	/v1/direct-link/transaction-inquiry
Transaction log inquiry	GET	/v1/direct-link/financial-utility/transaction-log-inquiry
Bank list	GET	/v1/direct-link/financial-utility/get-domestic-bank-list
Bank branch list	GET	/v1/direct-link/bank-branches
Download the batch transfer result Excel file	GET	/v1/direct-link/batch-result-download
Account inquiry	GET	/v1/direct-link/financial-utility/account-inquiry
Account balance details	GET	/v1/direct-link/financial-utility/account-balance-detail
Validate the fee account	POST	/v1/direct-link/financial-utility/validate-charge-account
Payment transaction details	GET	/v1/direct-link/account-statement/payment-account-detail
Payment transaction history	GET	/v1/direct-link/account-statement/payment-transaction-history